Is private health insurance really worth it?

What is private health insurance?

The first step is to clarify what you will be hiring. Health insurance is a contract with an insurance company that provides you with it medical coverage. When you have health insurance, the insurance company covers to a greater or lesser extent, depending on the type of policy taken out, the costs of your medical care, consultation, hospitalization, treatment and other services medical care that offers the assurance of knowing you are protected in the event of injury or illness, allowing you to access quality medical care when you need it most and preventing many illnesses.

From there, there are different types of health insurance and you should analyze which one will best suit your needs. The most important differences relate to whether it is oa insurance without deductible and with deductible (excluding reimbursement costs). With the former, premiums will be more expensive, but you won’t have to pay every time you use the service, as with health insurance with a deductible.

What coverage should my health insurance cover?

One of the most important things you should consider when purchasing private health insurance is basic coverage. To do this, you should ask yourself the following questions:

What medical chart do I have access to?

IMQ insurance in Bizkaia, for example, gives you access to the largest medical team of specialists, more than 1,700 experts and 2,400 consultations, and have a wide network of their own medical centers, among which are i IMQ Zorrotzaurre Clinic, as well as with numerous joint centers. It is also a network that is constantly growing, so there are more and more care alternatives. For example, it will open soon in Bizkaia new polyconsultation center in Bilbao near Alhóndigo, adding to those already available in Bilbao, Barakaldo, Algorta and Las Arenas. IMQ will also have a new feature soon own center in Castro Urdiales. The goal: to be able to freely choose both the professional and the center where you want to go if necessary. They are also centers, all quality and safety accredited with the highest standards, providing permanent outpatient care.

What if I leave Bizkaia?

Although it’s not common, it’s important to know in advance that your insurance won’t leave you in the lurch if you have a medical emergency in the event of a trip. IMQ, thanks to him connection with SegurCaixa Adeslasthe leading company in the country, guarantees you health insurance when traveling in Spain with more than 45,000 professionals and more than 1,300 medical centers.

And if you go out foreign, foreignYour policy will also cover hospital emergencies up to €12,000, so no matter where you go, no unforeseen event will keep you up at night.

Does it meet my specific needs?

People increasingly demand products and services that adapt to our specific needs, and we want to: personalized, agile, narrow and customized attention, even more so when it comes to taking out health insurance that will accompany us through the different stages of our lives and take care of something as valuable as our well-being.

Therefore, it is important to assess what your specific needs are. For example, it is common for many women to consider taking out health insurance when they start planning for future motherhood. IMQ puts a large team of specialists at your disposal gynecology and obstetrics, both for gynecological checks before pregnancy and for its monitoring. In addition, it offers you the support of professional midwives in preparation for childbirth.

When it comes time to give birth, the IMQ Zorrotzaurre clinic has too the largest private maternity unit in Bizkaia with the peace of mind that a gynecologist (usually your own gynecologist), a midwife, a nursing team, an anesthetist and a pediatrician will participate in your delivery in a coordinated manner. If you are thinking of getting insurance for this, don’t put it off because the assistance has a waiting period in case of pregnancy.

This is not the only leading unit of IMQ Zorrotzaurre. The clinic also stands out Oncology, cardiology, obesity and metabolism, traumatology, urology and is a link in robotic surgeryamong many.

Currently, the clinic is also in process extension to increase the number of operating rooms, hospital areas, intensive care and emergency admissions and areas of digestive endoscopy. In addition, once the work is complete, there will be new external consultation space in the annex building. This ambitious expansion project will enable the unification of the services of two large IMQ hospital centers in Bizkaia: Zorrotzaurre and the White Maidenwhich facilitates synergies between professional teams of different specializations.

Services not offered by public healthcare

Another of the interesting private health insurance coverages is access to additional services that public health does not usually offer:

Psychology and Psychiatry: Every day we put more emphasis on taking care of our mental health, and visiting a specialist’s office is no longer a taboo. At IMQ you have a wide range of professionals to help you overcome pathologies such as anxiety, depression, eating disorders and we are specialists in child and adolescent psychology.

IMQ also has a comprehensive mental health offer with the multidisciplinary work teams they belong to day care, hospitalization and 24-hour emergency services with IMQ Amsa.

Physiotherapy: Who hasn’t suffered from back pain and had to see a physical therapist? Realizing that physiotherapy is a service with growing demand, IMQ has long been committed to opening its own physiotherapy and rehabilitation centers with professionals in continuous training and equipped with the latest technology to care for your back, pelvic floor, recovering heart… Currently there are four centers; two in Bilbao (Ajuriaguerra and Deusto), Barakaldo and Areeta. We also have a physical education department.

Newly added to this personal care is the option to opt for online physiotherapy for those who feel comfortable using new technology.

Pedicure: The feet are the most forgotten… until you have health insurance with IMQ and can visit your podiatrist two or three times a year, depending on the type of insurance you have, for your free check-up. The IMQ Doña Casilda podiatry clinic in the “duck park” has been taking care of the health of the feet of the people of Bilbao for more than 12 years.

Dental: IMQ has a dozen clinics to help you solve any need also in the area of ​​oral health, so important to general health. What’s more, with IMQ dental insurance you can enjoy many services for free and the rest at pre-set reduced rates, so you always know what you’re paying for.

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