Have you ever thought about hiring the best health insurance for your profile? This modality offers support according to the medical needs of the contracting party and also gives complete freedom to choose professionals and institutions of their choice, without the need to use any accredited network, as in health plans.
No one is free to go through difficult times with regard to health, so being prepared will make you go through these emergency moments, such as illness and accidents, in a more peaceful way. After all, unexpected medical procedures performed with good professionals can end up being very expensive.
But how to choose the best health insurance ? We will give you all the tips in today’s text. Keep reading and check it out!
Why buy health insurance?
Health plans focus their care on accredited networks and associated professionals. Health insurance , on the other hand, gives the contractor complete freedom to search for the place and professional of his choice and then ask for reimbursement, within what is provided for in the contract.
In addition to this freedom of choice, the modality also has customization and excellent cost-benefit , taking into account that insurance can suit your family budget and your needs for using the service.
Here in this blog article you will find all the tips on why to take out health insurance. Read and understand all the advantages of this category.
5 tips for choosing the best health insurance for you
When choosing health insurance, there are several factors that must be taken into account so that you choose the one that best suits you. Below are 5 tips to help you make the best choice:
1. Know and select the right coverages
Before anything else, it is necessary to seek to know very well the types and options of health insurance coverage that you intend to hire. For example, will it be national or regional insurance? Individual or family?
In order not to be caught off guard, carefully assess your needs and look for coverage that meets your needs.
The hospital health insurance modality is the most common base coverage in most insurances, but there are others that may better fit your profile:
- Hospital health insurance: guarantees hospitalizations in a hospital environment. Costs related to hospitalizations are covered.
- Hospital health insurance with obstetrics: works like hospital health insurance, but also includes procedures and examinations related to pregnancy, such as prenatal care and childbirth care.
- Outpatient health insurance: coverage of medical assistance in offices, outpatient clinics and clinics. It also has emergency service.
- Hospital + outpatient health insurance: there is the possibility of contracting hospital + outpatient health insurance. What will guarantee consultations, procedures, exams and hospitalizations.
Some insurers even offer other services, such as dental care. Do a lot of research and clear all your doubts with your broker before hiring to avoid inconvenience.
2. Take advantage of the personalization possibilities of health insurance
Look to customize your plan taking into account your individual needs. If the insurance is for your entire family, consider everyone’s needs and choose the one that can benefit all members.
For example, if you plan to have children soon, consider an option that offers obstetric care. After an overall assessment, choose the coverage that will best suit everyone in your family, thus avoiding not being covered when you need it most or paying for coverage you don’t need.
3. Make budgets and simulations
Do a good value search . But remember that in addition to the prices, you must take into account whether the insurance meets your needs, because it is useless to choose a modality that fits in your pocket, but that does not really serve you.
3C Corretora has a space where you can simulate the quote for purchasing your health insurance.
4. Understand the grace period
The grace period of insurance is a period of time in which the contractor is not entitled to be reimbursed in the event of an accident. This period of time may vary according to the insured’s profile and the type of insurance contracted, and must be clearly stated in the contract.
The lack of health insurance works differently from health plans , which are regulated by the National Health Agency (ANS) and must be strictly followed. Most companies that offer health insurance have shorter waiting periods. Check with your insurer for the grace period.
5. Find a reliable broker
Another important point to be analyzed is with regard to the brokerage that will support you. Try to do a good research about the company and see if it doesn’t have too many negative reviews. Choosing a reliable company, guarantees a safe, clear and efficient contract and will have all the necessary support when you need it.
Investing in health care is one of the strategic points to ensure your quality of life. And hiring the best health insurance is paramount for your future. The important thing is to understand exactly what you need and count on the support of trained professionals to provide all the necessary support.
We hope you enjoyed this content and that it helped you understand how to choose the best health insurance for you.
Big hug and until next time!