Health insurance varies among them, just as the price of the policy differs between one package and another of coverages. However, ten services stand out among insurance due to their importance.
The health insurance offered by most companies is divided into basic and supplemental insurance. The most normal thing is that basic insurance includes a number of elementary services and that they have a copayment. That is, having to pay for each complementary service. Meanwhile, more comprehensive insurance usually has broader coverage 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 the patient’s access to a family doctor, nursing services, and some specialties, such as pediatric 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 ventilotherapy. In addition, a large number of insurers offer these therapies at home.
The company’s medical chart includes emergencies at home and at 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, with which diseases that have not yet manifested themselves are detected. In addition, with this service, you can also perceive other health problems such as poor vision or high blood pressure.
Dental coverage including by many companies in their basic packages. Even so, only some cases are included in the most serious interventions and only cover reviews. So, if you want more comprehensive dental insurance, the most appropriate is to look for it separately or pay for the complementary service.
Childbirth coverage usually includes all the services needed for childbirth before, during, and after giving birth.
Hospitalization and surgery usually belong to the complete coverage. It includes hospitalization before and after surgery. This coverage may also include the treatment or medication the patient needs after the intervention.
What doesn’t health insurance cover?
Health insurance alone does not guarantee 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 company policy. A company may not cover a certain disease or include a certain treatment.
The pre-existence is an illness that the insured suffers before contracting the insurance. The company should know the pre-existing disease. It is true that, given this, the insurer can reject 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 charged with fraud. The insurer could sue you in addition to terminating the contract.
Unless a contract is made that specifies otherwise, insurers do not usually cover illnesses or accidents produced during work activity or the practice of risky sports.