Taking out family health insurance is a decision that should not be made without first carefully weighing a considerable number of factors.
In the following lines, with the help of our advisors specialized in private health insurance in Euroteide Insurance (Insurance Advisors), We are going to explain to you what this type of Insurance is, its main advantages and what are the keys for you to hire the most suitable Family Insurance for you and yours.
What is family health insurance?
Un Health insurance familiar It is an insurance product through which the members of a family unit receive all or some of the following private healthcare benefits:
- Primary medical care
- specialized medical care
- emergency medical care
- Surgical and hospitalization services
- Other medical services of a very varied nature, such as dental care, preventive medicine, psychology, speech therapy, physiotherapy, second medical opinion and a long etcetera.
In addition, some insurers also offer the option of contracting medical assistance with the best specialists and health centers internationally.
Why take out family health insurance?
Hiring the best family health insurance is the most economical option to protect the entire family unit in case of illness, accident or medical emergency. Let's break down, one by one, the reasons that make it advisable to take out insurance of this type:
Comprehensive coverage without exclusions
Family health insurance offers coverage for all family members, including unborn babies and older people. Definitely, no one is left out.
An option for all types of family unit
There are no exclusions in this sense either, no matter how unusual the family unit model of the insured may be. It is enough that they exist kinship relations or that proves that the insured maintain a relationship that includes cohabitation.
All types of medical benefits
No matter how exclusive a medical benefit may be, in the case of advanced biological treatments or preventive medicine based on genetic factors, private medical insurance can be found on the market that covers it.
Maximum adaptability to the specific needs of each family unit
Health care needs are not the same for a young couple with a baby as they are for a mature couple with teenage children and a dependent grandparent, for example.
In this sense, family health insurance can be configured practically like a tailored suit: It is the policyholder who decides which coverage is best for them and which they can do without.
Freedom of choice
In these insurance It is the sick person or patient who chooses doctors and health centers, since the concerted assistance system has thousands of doctors and hundreds of clinics and hospitals.
In addition, there is also the possibility, after contracting the corresponding coverage, of using the most exclusive specialists, hospitals and clinics in the world.
Goodbye to public health waiting lists
The most significant hallmark of private healthcare is, in addition to the quality of the service, the speed of medical care, both in consultations and in diagnostic tests, treatments and hospitalizations.
In fact, the most positive evaluations of the insured correspond precisely to the speed of appointments and the absence of waiting lists.
An affordable cost for any economy
Medical insurance in general has a very reasonable cost. In addition, contracting family health insurance implies a considerable discount on the price it would cost to individually insure all members of the family unit.
How to choose the best family health insurance
Now, the big question is: how to select good family health insurance? Well, the truth is that this question does not have a concrete or exact answer.
When choosing the most appropriate health insurance for an entire family, the following factors must be weighed:
Let's avoid those companies whose names we have never heard or from which it is difficult to obtain credible references.
The solidity and reputation of the chosen company is the guarantee that we will receive medical care that compensates for the financial effort made.
The peculiarities of the family unit and its specific health care needs
Let's analyze the needs derived from the typology of our family unit and decide what coverage we really need. Let us keep in mind that, The greater the number of coverages, the higher the price of the annual premium.
As an example, a couple in their fifties will not need medical assistance coverage during pregnancy and childbirth. Why include it if in a certain type of policy they may not do so?
The medical chart
Thoroughly reviewing the list of specialists and health centers is essential. Let's opt for those companies that offer us both quantity and quality.
Does Family Health Insurance offer digital healthcare?
A plus is the existence of remote healthcare services, both by phone and video call. The same can be said for dispensing prescriptions electronically.
These services are especially useful when the family unit has chronically ill people and people who are very old or have reduced mobility.
Some health insurance does not include assistance abroad. So if we usually travel to other countries, let's verify this point before signing the policy.
The annual cost of the premium
This factor should always be left for the end of the selection process. Because? Because Prices can only be compared between family health insurance policies that offer similar coverage.
Finally, if you have doubts about which is the best Family Health Insurance for you and your loved ones, the best thing to do is ask an expert. To do this, all you have to do is Get in touch with Euroteide Seguros (Insurance Advisors) more than 27 years Advising on all types of Insurance, especially Health Care and health policies.
Our private medical insurance specialists will assist you quickly, They will answer your questions and find family health insurance for you with a fair price, benefits and coverage ratio and that includes everything your family needs.