Health insurance: all the reasons to do it
According to Census, in 2015, over 7 million Italians, having to solve a health problem, opted to pay out of their own pockets at a private facility. The reasons for this choice are various: much shorter waiting times than the public, ever lower price difference compared to the ticket, better accessibility, more widespread assistance and, last but not least, decreasing trust in the National Health Service. It is therefore not surprising that, in this context, more and more Italians are choosing to take out a health policy to protect themselves and their loved ones in the event of illness or injury.
But let’s go in order. health insurance is the ideal policy to protect ourselves and our families which is why to
day many people take advantage of it choosing from the different possible variants.. A health insurance allows you to obtain full or partial reimbursements on the costs of:
- medical visits
- diagnostic tests and tests
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hospital and extra-hospital healthcare services
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specialist visits to private facilities
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any treatment therapies.
- Refunds
They vary according to the policy stipulated and the conditions envisaged, but the possibility of obtaining even partial reimbursements through the annual payment of the premium remains a great advantage for oneself and beyond; in fact, insurance often covers medical expenses for the entire family unit. This allows you to take advantage of reimbursements for costs of visits or medical services even if the family members of the health insurance holder benefit from them, without having to take out multiple separate policies.
- Check-up
Some health insurances also include various examinations for the prevention of diseases, therefore the possibility of carrying out prevention checks on a regular basis at no or low cost can be offered, from a simple annual blood test to a more complete check-up with established frequency. based on the age and sex of the insured.
- Minor children
Among the various possibilities for families where there are children and young people, health insurance can offer particular advantages for dental care to children under 18, primarily for treatments with dental appliances.
- Health plans
The diverse fitness plans provided via way of means of fitness insurers consequently provide primary person or own circle of relatives guidelines that begin from the traditional compensation for clinical expenses, which also can cowl a likely hospitalization.
- Greater peace of mind
Subscription to health insurance allows you to “live a more relaxed experience” in the event of an unfortunate arrival from the hotel to the clinic. treatment and health facility stays, for instance following accidents; in the limits set via way of means of the selected coverage, charges along with anesthesia, surgical fees and the running room are commonly protected via way of means of primary insurance. Going into detail, we will discover medical health insurance committed to particular surgeries, or you may additionally choose a day by day allowance coverage that gives a sum for every day of illness.
In the act of insuring with a health policy, the insured is asked to provide information on his status of health, by completing a health questionnaire which in the end is entirely part of the policy contract. The questionnaire must be filled out with precision and accuracy to obtain the acceptance of the insurance company which, if there are omissions or few clarifications due to wanting to hide health problems, may refuse the insurance request even earlier.
In particular, a defined period of “shortage” is usually present immediately after signing with signature of a health insurance, which is required by insurance companies to protect yourself ; a person could unknowingly register and agree to take out a policy immediately before being hospitalized. A detail to point out is that of course the older you are, the more likely you are with health problems and therefore the premiums for the health insurance of the elderly have a more important cost; you can even find companies that do not offer insurance over the age of 70.
Again with regard to the exclusions in the policy, in general, the costs for alcoholism and drug addiction diseases are not included, as well as specific interventions such as those of cosmetic surgery. More and more companies are now offering the insured a list of affiliated nursing homes to contact to carry out his treatments, not even having to anticipate the cost of the service, which the insurance will take care of directly. If, on the other hand, you opt to obtain services in non-affiliated nursing homes, you will have to anticipate the expense and then present the relative invoice to the insurance company to obtain reimbursement. This procedure also applies to other specialist visits carried out at clinics chosen personally, the cost of which will be reimbursed only by presenting the expense invoice and any request documents. There is also the particular case of affiliated nursing homes and non-affiliated medical teams. In this case, the agreement provides for direct payment and the non-agreement for the indirect payment
Another case is that of travel health insurance to be activated before leaving, perhaps for abroad, therefore opting for a policy that covers expenses in the event of illness or accident on the spot, as well as providing help for any medical transport, need for an urgent return also due to sudden death in the family or further travel accidents; also in this case, the policies offered on the market today are different and often the policyholder coverage age has higher maximums than normal health insurance.