Health is one of the most precious assets we have, so it is essential to take care of it and protect it. In this sense, having private health insurance can be an excellent option to guarantee adequate medical care in case of illness, accident or any other eventuality.
In this article, we explain why this option may be interesting for you and what type of person may be interested in taking out health insurance.
Although it is true that in Spain and other countries there is a public health system, the reality is that sometimes this system is not enough to meet all the needs of patients. In this sense, contracting private health insurance can be a very valuable investment, since it offers a series of benefits that are not found in the public health system. Firstly, it allows access to higher quality medical care more quickly, avoiding long waits and waiting lists. In addition, private health insurance offers a wide variety of services, from medical consultations to surgical interventions, including diagnostic tests and specialized treatments. All this, with the comfort of being able to choose the doctor or specialist that best suits your needs.
Anyone who wants to guarantee their health and well-being. It doesn’t matter if you are young or old, if you are in good health or have a chronic illness. Private health insurance can be interesting for anyone who wants to have access to quality medical care without waiting.
In addition, private health insurance can be especially interesting for those who travel frequently or who live in rural areas or far from medical centers. In these cases, having private health insurance can guarantee fast and effective medical attention at any time and place.
If you are interested in taking out medical insurance, from La Vanguardia we recommend that you consult the offer of Tomamos Impulso. Saludmedic, is one of the most valued medical insurance by the Official College of Physicians of Barcelona. During this month of June, you can benefit from exceptional conditions: up to three months free in this health insurance.
What health insurance options cover pregnancy and childbirth at Saludmedic?
The options that most fully cover pregnancy and childbirth are Clinicimedic Plus, Completmedic, Completmedic Plus, and Universalmedic.
What are gaps in health insurance?
Deficiencies are the time that must elapse from contracting until the insured can use certain guarantees, except if it comes from another company, which is exempt from meeting certain deficiencies.
How does the Home Care Service at Saludmedic work?
If you need a doctor to visit you at home, you can call 902 23 40 40 and ask for it to be sent to you.
What medical coverage does Saludmedic Travel Assistance offer?
We offer you peace of mind when traveling abroad: €15,000 for urgent medical expenses. Call us and we will take care of everything.
Does the health policy at Saludmedic include dental coverage?
In all our health policies, we offer you a free annual dental cleaning. You have the rest of your dental care at Dentalmedic, the dental insurance. Also, if you have a health policy with us, you will have great discounts at Dentalmedic.
What are copayments in health insurance?
Co-payments are a predetermined amount for each medical act, which you assume by using the insurance. It is reflected in a table/scale of copayments. We have several copay options and non-copay options. The more copayment, the less premium. It all depends on what you use health insurance.
How can I locate a specialist or medical center at Saludmedic?
You can do it through the company’s website, from the medical directory, where you can search by specialty, postal code, or by calling 934826313 / 919022261.
What does the Gynecological Review at Saludmedic include?
The Gynecological Review includes a medical visit by the gynecologist, colposcopy, gynecological ultrasound, breast examination and control mammography, which at the discretion of the doctor is considered necessary. It also includes cytological control and study of the human papilloma virus.
What to do if I need a test or treatment that is not covered by the Saludmedic policy?
Call the Medical Guidance Service 24 hours a day at 935050112 / 919022264 and we will tell you where to go and the most advantageous economic conditions. Then you decide.
When does my Saludmedic policy expire?
The policy expires annually and is automatically renewed on the 1st of the same month of the following year in which it was contracted.
Can I only insure children in Saludmedic?
Children over 3 years of age can take out the policy as long as the policy holder is an adult.
Do I always need the company’s authorization to use any service at Saludmedic?
No, only in complex medical acts, such as hospitalization, high-tech diagnostics or special treatments, for example. In the most common medical acts (visits, simple diagnostic means, etc.), you can go freely without any type of authorization.
Can I visit the doctor at Saludmedic from the first day?
Yes, from the first moment you can go to the doctor to visit yourself. Only for some complex acts such as hospitalization, surgical interventions, etc., you must comply with the established grace periods.
Will they put me in trouble if I had an operation years ago when I contracted the health insurance at Saludmedic?
You must reflect it in the health questionnaire when hiring and the company will assess and inform you under what conditions you can hire. From there, you will have the last word.
What does it mean that I have an 8-month grace period for delivery assistance at Saludmedic?
It means that we cover all the monitoring of the pregnancy with the gynecologist and the tests that you need, but we will not be able to give you delivery assistance until after 8 months of contracting the insurance.
If I have a child, will it be automatically included in my health insurance at Saludmedic?
You must include it within a month after birth. And if the company has covered the delivery, your son/daughter will be included in the policy with the same guarantees as you and without waiting periods.
Can I change from a health insurance modality with copayment to one without copayment in Saludmedic?
Yes, when the insurance expires you can change, both the product modality and the co-payment. You must notify the Entity and we will assess your request.
Does the medical insurance in Saludmedic include medicines?
Yes, the medication given when you are hospitalized. No, the medication prescribed by the doctor in the consultation. There is a 50% reimbursement of out-of-hospital pharmaceutical expenses in the Completmedic Plus (max. €100 per year) and Universalmedic (max. €150 per year) modalities.
