Even in countries where health care is free and universal like Spain, the use of health insurance has increased. Taking the pandemic as a recent catalyst, along with the public safety gaps that even the WHO warns against, a decision that allows for multiple options and coverages. Like health insurance without a copayment, whose benefits, for a slightly higher price, are really interesting.
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A safe and secure population
Although typical of countries with little or no public and free health care, health insurance has seen its importance grow during the last years. Noting as a turning point the Covid-19 pandemic and the great uncertainty it has thrown on the field of health. In fact, in countries like Spain, with public health, the number of insured increased by 10% according to the UNESPA insurance association.
With this, the main attention of the insured was at all times find insurance with good coverage, but relatively affordable. Among the many options available, being health insurance without a copayment one of the most reliable methods. Because, although they represent a somewhat higher investment, they end up spreading better than insurance which entails additional costs and additional payments depending on the service.
Why Is Health Insurance Hiring Rising?
Although effective, public health systems often have certain problems in extraordinary situations. Above all, because of the lack of personnel, since the World Health Organization (WHO) itself warns that there is a shortage of at least 18 million health professionals in the world to ensure universal health coverage. Lack under which little risk attention to their health.
In other cases, as happened in Spain after the 2020 pandemic and around 2008 in times of economic crisis, the fuel that accelerated the purchase of medical insurance was the collapse of the public health system. With Covid-19 cases relocated as a priority, waiting lists to access public services favor the private health sector.
With this, many users, especially those who frequently visit the doctor, have realized that health insurance increases safety through health protection who provides your coverage. Moreover, and given the huge supply of insurance of this nature which is improving today by readjusting to contemporary needs, offering all kinds of options. To be agreed according to type and attention according to case.
The advantages of health insurance without a copayment
As its typology clearly indicates, the main advantage of non-copayment health insurance is that no need to pay for each office visit, since its coverage is broader than that of copayment health insurance. Thanks to this unique and invariable bonus, which also includes a complete medical file where even choosing the professional who assists us, enjoying greater peace of mind both financially and emotionally.
Likewise, the advantages of private medicine are more accessible with insurance, since we will be able to take advantage of greater availabilitywithout long waiting lists. And so, and in relation to the unfortunate constant of public health, opting for a more immediate and flexible care fruit of the absence of the crowd that floods the public system. So you save money and time without conflicts with everyday life.
How to choose health insurance
Although there are simple and intuitive insurance comparators such as doctor ithe first thing to do is determine whether the insurance comes out or not. As mentioned above, a frequent user of the healthcare system – from growing children to adults with special needs – you will get the most out of the insurance. Although its coverage is also something to consider.
In this sense, we can also find health insurance specialized or focused on specific issues. To do this, the future insured must ensure beforehand that his characteristics allow him to benefit from a certain insurance. Or on the contrary, assess whether the investment is successful or not. Since, as has been said, health insurance without a copayment is usually a little more expensive than the convention.
However, continuing with the economic area, it should be noted that with this option you pay a lump sum, regardless of the number of consultations which must be carried out during the term of the insurance subscription. In other words, and unlike standard insurance, without depending on monthly cost extensions to cover certain extraordinary services. A sensible option, but above all reassuring.