What happens if I get sick from something serious or if I get into an accident? Would the EPS cover all the expenses? Well, we tell you that these are questions that all people should ask themselves when it comes to taking care of their health and that of their family.
No one is exempt from getting sick or suffering from a medical condition that requires specialized care. In addition, they need expensive medicines and quality medical services and can attend to you quickly.
In this opportunity, we will talk about what health insurance is, what it covers and how it works. To decide to acquire one without thinking twice and calmly.
What is health insurance?
Health insurance is an additional service to the Mandatory Health Plan (POS), that is, to the EPS. It has a specific value and depends entirely on the entity you want to contact the insurance.
It offers its insured the possibility of accessing preferential services, thanks to the extensive medical directories of specialists and the quality of health provided. Additionally, some of these insurances include coverage on national or international trips that will protect you in case of an accident or illness.
What does health insurance cover?
Health insurance provides direct access to specialist doctors without authorization from a general practitioner. That is why, with this type of policy or insurance, you can request your medical appointments directly with the specialist you need, as long as it is within the medical director of the chosen health insurance.
Health insurance, according to Fasciola, also covers hospital expenses such as:
- Daily room
- Intensive Care Unit
- Childbirth care
- Newborn Care
- Medical visits for hospital medical treatment
The insured may have other hospital services such as food, nursing services, surgery room fees, anesthesia elements, laboratory and radiological tests, and outpatient coverage such as:
- Consultation with a general practitioner and specialists
- Lab tests, x-rays, and ultrasounds
- Specialized diagnostic tests
- Outpatient therapies of all kinds
- Outpatient treatment of cancer and AIDS
- Care for pregnant women after ten months
Additionally, you will receive telephone medical guidance if you require it, you can request a second medical opinion if necessary, and you will have family medicine, medical visits, medicines and medical fees at your disposal, among others.
Keep in mind that every health insurance is different, and each has its benefits and coverages. We invite you to consult with an expert.
What doesn’t health insurance cover?
- Cosmetic or beautification surgeries
- Dental exams, surgeries, or extractions
- Infertility treatments
- Executive check-ups
- Obesity treatments and bariatric surgeries
- Experimental treatments
How does it work?
Health insurance allows the insured to access all the health services contracted with their card or ID number. Just contact your health insurance phone number.
Finally, as there are different types of health insurance and not all have the same coverage, It is best to consult with an expert to help you and advise on which is indicated, according to your needs.