Health insurance or health plan, which option is best for you?
Hi, it is good to have you here again! Today is another #MondayBlog’s day and we will continue our conversation about HEALTH.
In this post, we will see a little about the similarities, differences, advantages and disadvantages of healthplan and health insurance.
Based on this information, it will be easier for you, with our help here at Prospecto, to define which product is the best option
But before we dive into this sea of information, let's talk a little about why it's essential to invest in one of these benefits.
Because Health is LIFE
Every healthy person is able to LIVE better. So when we take some of our rich money and invest in our health, we live better.
Worries about the uncertainty of being able to afford medical treatment, whether yours or of family members, can cause insomnia, or even more serious health problems.
And have you seen how much it costs to consult with a good professional these days?
Because Health is TRANQUILITY
It's important to have support in times of difficulty, especially when we talk about illnesses and accidents.
Thinking about the hospital bill in any situation is the opposite of being calm and safe.
Insurance or health plan is a good way to maintain or acquire peace of mind.
Just Because
The same way we take out insurance for our cars, looking for the certainty that we will have peace of mind and assistance in case the problem arises.
This is exactly how we should think when we buy a product that will be there, at your disposal, in case the day-to-day stress, bad eating habits, the rush, forgetting to drink water, manifest in the form of illness. The unexpected presents itself in so many ways, and being cautious is fundamental.
HEALTH INSURANCE AND HEALTH PLAN
THE SIMILARITIES
Both offer services that are protected and regulated by the ANS (National Health Agency) and aim to provide medical and hospital assistance in times of need. Both have a waiting period, which will depend on each contract, and usually cover from simple clinical consultations by general practitioners to specialists, including hospitalization, surgeries and exams.
HEALTH INSURANCE
It represents more freedom in medical, hospitals and laboratories matters.
It works like this: You will pay for health services and then claim reimbursement from the insurance company.
Depending on what is contracted, the refund can be either full or partial.
The cost of insurance can be a little more expensive, but insurers tend to have referenced services where you don't need to pay directly for the services.
HEALTH PLAN
You purchase a plan with a closed package of benefits, doctors, hospitals and labs.
The cost is more affordable than health insurance and ends up being the best option when there is no financial reserve to be used in the event of an unforeseen event.
Health plans are usually divided into reference plans and segmented plans. Reference plans are more expensive and more complete, covering situations that segmented plans do not usually cover, such as transplants.
The segmented plans are known and are divided between: outpatient, hospital, hospital with obstetrics and dentistry.
To find out what each of these plans cover, click here.
Wow! So much information, isn't it? And which option is best for you?
Prospecto will help you and answer this question, contact us here!
See also our infographic about the profile of those who prefer health insurance or health plan .
And don't forget to leave your email here, so we can send you more important information!
See you next Monday, Lovers!
Prospecto Seguros
Learn more:
Infographic
Do I need a health plan?