What should you consider when purchasing a health insurance policy? Insurance can cover expensive treatments.
Purchasing a health insurance policy may seem simple, but it requires carefully evaluating coverage, exclusions, and costs to ensure real protection against any medical eventuality.
According to organizations such as Colsubsidio and the website QueSeguro.com, before enrolling with an organization, it's important to review the requested plan: depending on the type of plan and the organization, the scope of the policy's coverage may vary.
The policy expands the health system's coverage. Photo: iStock
According to the Colsubsidio website, this is a contract with an insurance agreement intended to complement health services. It can cover illnesses and treatments, guaranteeing timely care.
The organizations' websites assert that the implementation of this measure seeks to address long-standing problems related to the lack of adequate infrastructure and overcrowding of patients seeking medical services.
Prepaid medicine and health insurance policies. Photo: iStock
When hiring or purchasing a service that complements the health system's coverage, citizens should carefully analyze the conditions, benefits, and exclusions. This will ensure a policy that meets their personal needs.
These are the factors to consider when purchasing additional services from an entity:
- Coverage: consultations, hospitalizations, surgeries, emergencies, medications and therapies.
- Medical network: verify quality, location, and national or international coverage.
- Costs: Check premiums, co-pays, deductibles, and annual adjustments.
- Exclusions: Look for pre-existing conditions, waiting times, and non-covered services.
- Extra benefits : Check for telemedicine, discounts, and coverage abroad.
- Ease of use : review the portals and customer service.
- Regulation : authorization by the National Health Superintendence (Supersalud).
The measure seeks to address the lack of adequate infrastructure. Photo: iStock
According to the websites of Colsubsidio and QueSeguro.com, a private health insurance policy offers significant advantages over the public system and the long wait times for care. These advantages include:
- Rapid access to specialists: Provides specialist consultations and medical examinations without lengthy delays, streamlining diagnoses and treatment.
- High-cost coverage: Covers complex procedures and expensive medications that are often left out of basic health plans.
- Peace of mind and security: guarantees financial support in the event of emergencies or serious illnesses, providing confidence for the individual or family.
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