What is reimbursement health insurance? Everything you need to know.
You already know that when it comes to hiring private health insurance, you can contract different possibilities of policies, coverage and services. And among them is the modality of health insurance with reimbursement. But what is reimbursement insurance? .
In this Sanitas post, we explain what reimbursement insurance consists of so that you can make the best choice regarding hiring your private health insurance, taking into account your needs and preferences.
Reimbursement health insurance: what is it?
If you wonder what reimbursement insurance is, you should know that it is an insurance modality with which the insured has the option of requesting the services of a doctor who does not belong to his insurance company. And if you do, you have to pay the cost of this consultation to this professional and, finally, the company reimburses you the percentage of the amount, according to the conditions of the reimbursement insurance that has been contracted and agreed with the insurance company.
In any case, the insured has the possibility to freely choose with this type of insurance to go to the use of the services to the Sanitas contracted medical team, in which case they will not have to make any disbursement, being attended through their insured card or if access medical benefits by professionals outside the company where the insured pays the bill for the service, presenting the documentation to the entity that will reimburse the stipulated percentage up to the limits established in their contract according to the choice of the contracted capital and be fully covered thanks to your private health insurance.
What are the main advantages of reimbursement health insurance?
To know what reimbursement insurance is, you must know what are the main advantages that this modality provides. Specifically, the possibility of reimbursement will allow you to enjoy the following benefits:
Free choice of doctor
This type of health insurance offers you the opportunity to choose the doctor you want . What if I want to choose a physician who does not belong to the company? This is not a problem either, because as we have just said, you have the option of choosing the professional you want, regardless of whether or not they belong to the insurance company .
Shorter waiting times
As we have just mentioned, the possibility of choosing from a greater range of professionals will allow you to reduce the waiting time , having this option you can avoid it and look for a professional who will attend you before.
Coverage outside your country
What if I have a medical emergency while abroad? If we go to another country to do tourism, for work or for any other reason, we are not exempt from any incident occurring, or any medical need arising. And faced with this possibility, this type of insurance is a good choice to be able to choose any doctor in the world to provide coverage anywhere in the world.
Ease of operation
This advantage is essential to know what reimbursement medical insurance is, since its main characteristic is the ease with which it is possible to reimburse the cost assumed by the insured for medical assistance. You only have to advance the payment of the service and then the company in question is responsible for returning the amount paid.
Of course, each insurance company sets different characteristics and conditions in relation to how, how much or when to do it . Therefore, it is essential to inform yourself very well before signing the contract.
However, our recommendation is that you have the possibility to choose between several types of this insurance, so that you can choose the one that best suits your needs and interests.
