Public or Private Health Insurance for the Family.
What is family health insurance?
Family-type health insurance is very varied. They can have basic or complete coverage and are usually linked to offers for having more than 2 insured.
Family packages are usually the strong asset of insurers. For this reason, it is common to find offers in this type of health insurance . The main reason is because insurers are interested in having the largest number of policyholders and, insuring an entire family, guarantees having several clients.
Among the most popular policies are those that cover marriages or unmarried couples who will receive a discount for each new insured member, and those for newborns . Although each company can offer its own offers and advantages in family health insurance.
Some insurances offer discounts from 3 insured parties. This is a way to encourage family packages, which, as we have already said, are usually of interest to companies.
Main coverage of family health insurance
The most interesting thing about health insurance for the whole family is that it has a very wide range of services . Unless the insured are worth it with basic coverage, since, as in all types of
health insurance, the important thing is that each one adjusts it according to their needs.
The main coverages that can be found in these types of insurance are:
Primary care : general medicine and pediatrics.
Specialties : medical specialties, in addition to hospitalization and surgery.
Family planning : IUD placement, tubal ligation, vasectomy…
Diagnostic tests : ultrasound, scanner or X-rays among others.
Emergencies : emergency care service. This service can also be at home.
Other advantages of these policies
As in other types of insurance, family insurance includes the possibility of having supplements . It depends on the companies or the agreement that both parties reach what determines these complements.
Currently, many companies include a second medical opinion nationally and internationally. This add-on assures the patient that another healthcare professional will review her case for a second perspective.
Another modality that is gaining a lot of popularity is the coverage of the policy in case of death of the policyholder . The policyholder is the person with whom the policy is contracted. Some companies offer the possibility of covering the expenses of the policy for a year if the policyholder dies. This add-on has been well received by many policyholders because it is seen as a guarantee of family protection.
An interesting complement is also usually the emergency service abroad . It is not the same as travel insurance, but it does offer health services if the insured needs them during a stay abroad. The conditions of this supplement vary according to the company and, in some cases, according to the country to which you travel. It is best to speak with the company with which you are going to contract the policy to clarify the scope of this coverage.
24 – hour telephone service is also a very present complement in the main insurance companies. This complement guarantees to be able to carry out queries, procedures, advice and emergency care at any time of the day.
Public and private insurance: can you have both?
In the minds of many consumers, social security and private insurance appear as 2 conflicting sectors when, in reality, they do not have to be that way. We explain the advantages and disadvantages of both sectors and how to combine them.
Can you take out private health insurance and, at the same time, go to public health? The quick answer is yes . Having insurance does not prevent access to the health system of the community to which one belongs, since this is a right of all Spaniards. In addition, the insured will continue to finance the public system through their taxes.
However, 20.6% of the Spanish population has some type of health insurance, according to the Spanish Union of Insurance and Reinsurance Entities ( UNESPA ) .
Clarified this, the next thing would be to think about why so many people who have public health in their community decide to take out private insurance. The reality is that private and public healthcare have their advantages and disadvantages .
Combine public and private healthcare
Undoubtedly, the long waiting lists for public health is what makes people look at the private sector. Private healthcare has much shorter waiting lists than public healthcare.
For this reason, a large number of people who do not have private health insurance come to this sector to carry out a specific test , a check-up or request the assistance of a specialist doctor.
Just as a public service patient turns to the private sector for specific services due to their greater speed, a person with health insurance can do the same.
An insured person can request any public health service.
A case that is often repeated is that the insurer’s client has fairly complete coverage (general medicine, specialties, special treatments) but goes to public health for more serious cases, such as surgery or childbirth. Public health usually has more equipment to deal with these very specific cases.