Keep reading this copayment holds its own, so you'll have very clear when you decide to hire your health insurance.
The term co - pay , although the Real Academia de la Lengua not incorporated in his dictionary, there is little mystery: it is a shared payment. However, all is not so simple when it comes to health insurance .
Exact: today we will talk about health insurance copayment . What are they? How do they work? Who the copagan ? Read on , we will try to shed some light on this type of standard products in the field of health.
Health insurance copayment is one in which customers pay a premium, usually monthly, for its policy that increases each time of utilza the private medical service . That is, the contractors pay a certain amount and another for each visit (which varies depending on the service provided, since it is not the same to see a specialist in general medicine for a consultation to undergo an MRI). Depending on the conditions of the policy that we hired, the money will pay separately -together with each visit we make to the doctor or the company will add us the amount corresponding to our premium receipt.
Advantages and disadvantages
The first question that arises is: What benefit is then obtained with the co - pay? The answer is clear: the annual premium , in this case, is much cheaper than other types of insurance. If you have health and not seek medical advice frequently, the payout is considerably lower than in the case of health insurance without copayments . As for payment per visit, is also not high usually, soliendo range between euro 100 (for hospitalization).
Apart from the savings that can be for the customer, it is a way of contributing to a responsible and logical use of medical services is made. At the end of the day , know that you need to pay an amount every time the doctor helps the insured go only when necessary go. In addition, the quality of coverage and doctors are exactly the same, can benefit from the same attention that policyholders who have opted for another mode without copayment. The medical team is or at least should be the same for each other.
However, this type of policy also have some drawbacks. For example, if medical services are used frequently payment may end up being quite high, surpassing the option of medical staff without copayment. Or maybe pass Otherwise, customers end up going less than what they need for fear of overspending. So there is no better or worse systems, only depends on the circumstances, needs and desires of each.
In general, no copay health insurance can be aimed at people with normally healthy, young age and want, in any way, be careful and be protected. At the end of the day, you never know when you can start blowing against the wind ...
Other types of health insurance
By contrast we have already mentioned more than once without health insurance co - payments: one in which it is paid a premium for providing services included in the insurance policy without a price increase for each visit we make. A sort of all - inclusive healthy version, with its annual limitations in any case, are contained in the policy and you need to know before hiring.
A priori these are great options when hiring health insurance, but there are several more. For example, the medical team 's reimbursement , a type of policy through which the user has free choice of doctors and clinics, beyond those who have agreement with the insurer. These medical services outside are paid in advance, and then the company will be responsible to reimburse the insured the amount paid by it to receive such external medical care or at least a part of it. They are the most expensive insurance, but obviously those that offer a more comprehensive medical care, almost without limits.
We can also talk to the contrary, a much cheaper option but offers less coverage: the health insurance without hospitalization , product as its name suggests does not include this service in their offer. And of course, then there's dental insurance , a world apart within health insurance. But that gives to another post ...
The term co - pay , although the Real Academia de la Lengua not incorporated in his dictionary, there is little mystery: it is a shared payment. However, all is not so simple when it comes to health insurance .
Exact: today we will talk about health insurance copayment . What are they? How do they work? Who the copagan ? Read on , we will try to shed some light on this type of standard products in the field of health.
Health insurance copayment is one in which customers pay a premium, usually monthly, for its policy that increases each time of utilza the private medical service . That is, the contractors pay a certain amount and another for each visit (which varies depending on the service provided, since it is not the same to see a specialist in general medicine for a consultation to undergo an MRI). Depending on the conditions of the policy that we hired, the money will pay separately -together with each visit we make to the doctor or the company will add us the amount corresponding to our premium receipt.
Advantages and disadvantages
The first question that arises is: What benefit is then obtained with the co - pay? The answer is clear: the annual premium , in this case, is much cheaper than other types of insurance. If you have health and not seek medical advice frequently, the payout is considerably lower than in the case of health insurance without copayments . As for payment per visit, is also not high usually, soliendo range between euro 100 (for hospitalization).
Apart from the savings that can be for the customer, it is a way of contributing to a responsible and logical use of medical services is made. At the end of the day , know that you need to pay an amount every time the doctor helps the insured go only when necessary go. In addition, the quality of coverage and doctors are exactly the same, can benefit from the same attention that policyholders who have opted for another mode without copayment. The medical team is or at least should be the same for each other.
However, this type of policy also have some drawbacks. For example, if medical services are used frequently payment may end up being quite high, surpassing the option of medical staff without copayment. Or maybe pass Otherwise, customers end up going less than what they need for fear of overspending. So there is no better or worse systems, only depends on the circumstances, needs and desires of each.
In general, no copay health insurance can be aimed at people with normally healthy, young age and want, in any way, be careful and be protected. At the end of the day, you never know when you can start blowing against the wind ...
Other types of health insurance
By contrast we have already mentioned more than once without health insurance co - payments: one in which it is paid a premium for providing services included in the insurance policy without a price increase for each visit we make. A sort of all - inclusive healthy version, with its annual limitations in any case, are contained in the policy and you need to know before hiring.
A priori these are great options when hiring health insurance, but there are several more. For example, the medical team 's reimbursement , a type of policy through which the user has free choice of doctors and clinics, beyond those who have agreement with the insurer. These medical services outside are paid in advance, and then the company will be responsible to reimburse the insured the amount paid by it to receive such external medical care or at least a part of it. They are the most expensive insurance, but obviously those that offer a more comprehensive medical care, almost without limits.
We can also talk to the contrary, a much cheaper option but offers less coverage: the health insurance without hospitalization , product as its name suggests does not include this service in their offer. And of course, then there's dental insurance , a world apart within health insurance. But that gives to another post ...