Health insurance varies, just as the price of the policy differs between one package and another of coverage. However, ten services stand out among insurance due to their importance.
The health insurance offered by most companies is divided into primary and complementary insurance. The most normal thing is that basic insurance includes several elementary services and that they have a co-payment. That is, having to pay for each complementary service. Meanwhile, the most comprehensive insurances usually have broader coverages with a higher price.
The most basic services usually include Preventive Medicine, certain specialties, diagnostic tests and simple therapeutic methods. Complete coverage would include hospitalization, surgery, postoperative care, or special therapies such as chemotherapy.
The coverages that usually include insurance:
Primary medicine includes patient access to a family doctor, nursing services, and some specialties, such as the pediatrics service.
Medical specialties, such as Cardiology or Dermatology. Many insurances include these services in their basic packages.
Simple therapies, such as psychological treatments, rehabilitation programs or ventilator therapy. In addition, a large number of insurers offer these therapies at home.
The company’s medical staff included emergencies at home and in the nearest health center.
Family planning covers all reproduction-related services, such as IUD implantation, vasectomy, genetic studies or childbirth care.
Mental Health, such as psychiatric care or behavioral health treatments.
Preventive services are detected with which diseases that have not yet manifested themselves. In addition, with this service, you can also perceive other health problems such as poor vision or high blood pressure.
Many companies include dental coverage in their basic packages. Even so, most cases do not have the most severe interventions and only cover reviews. So, if you want more comprehensive dental insurance, the best thing to do is to look for it separately or pay for the complementary service.
Birth coverage usually includes all the services needed for childbirth before, during, and after giving birth.
Hospitalization and surgery usually belong to complete coverages. It includes hospitalization before and after surgery. This coverage may also have the treatments or medications the patient needs after the intervention.
What does health insurance not cover?
Health insurance alone does not guarantee you full coverage in any situation. Insurance usually has its limitations, either imposed by the insurer as part of its company policy or because the agreement reached by the insured and insurer excludes some services.
Exclusions are cases in which companies do not cover the insured. These are not general cases but exceptions that the insurer has as a company policy. It may be that a company does not cover a particular disease or does not include a specific treatment.
Pre-existence is a disease that the insured suffers before contracting the insurance. The company should know the pre-existing illness. It is true that, given this, the insurer can refuse the insured, increase the price of the policy or not cover the treatment of the disease. But if the client does not inform the company about the pre-existence before hiring, he can be accused of fraud. The insurer could sue you in addition to terminating the contract.
Unless a contract specifies otherwise, insurers do not usually cover illnesses or accidents occurring during work activity or the practice of risky sports.