Clinicum Salut, company health insurance, and sponsor of the Health Insurance Blog we guarantee in writing (in the general conditions of insurance), and from day one, that we may terminate or age or for health spending .

In many cases, medical insurance require almost an iron, in contrast to Clinicum Salut, age and health expenditures is not grounds for annulment. As part of the comparative health insurance this is a criterion that must evaluate to ensure effective health insurance, and long lasting.

So, we have created the Health Insurance Compare Online, which in a few seconds you can create a customized benchmark among major insurance companies in the market.

In addition, you will have phone support team of experienced professionals that will clear doubts about the various policies, to ensure that health insurance to find the best balance between price and coverage for your profile.

Thanks to comparative health insurance we will send you a custom, it’s easier to make decisions about the company and the best policy for you. You should be aware that many types of insurance plans, depending on the Coverages included (hospitalization, specialist, family planning …), geographical (local, national or international) or your age range. However, to simplify the differences are most important to explain the grouping of two categories of policies.

Medical chart policy

In the policy, the policyholder can choose the doctor and the center for your needs in what is called “medical chart” of insurance, the list of centers and specialists concluded by the company. This option is most common among Spanish consumers, offering a wide selection at very reasonable prices.

When comparing this type of health insurance, the key is to analyze whether the policy includes the most prestigious professional and front-line hospital in your town. In addition, if you have a specialist that you go on a regular basis (your gynecologist, pediatrician your kids, etc..), It is important to ensure that also in the medical.

Health Insurance Comparison
Request a FREE price comparison and 8 insurance Coverages most important in Spain
902 656 119

Analyzed health insurance:

* Insurance Adeslas Adeslas
* Insurance sanitation sanitation
Mapfre Mapfre Health * Health Insurance
* Insurance Asisa Asisa
* Home Health Home Health Insurance
* DKV DKV Seguros Insurance
* Health Care Health Insurance
* Aresa Mutua Madrilena Aresa
* Axa Axa Winterthur Winterthur Health Health
* IMQ IMQ Seguros Médicos
* Health Insurance Health Insurance Fiatc Fiatc
* Mutual MutuaAgrupacio Agrupacio
* Cigna Cigna Health Insurance
* HNA HNA Health Health
* Nectar Nectar Insurance Health Insurance
* Insurance Clinicum Salut Salut Clinicum
* Health Insurance Allianz Allianz Health
* Health Health Insurance Groupama Groupama

Finally, it should be emphasized that in such a policy, there are rules called “core”. Because more choices are “full”, these forms provide a medical panel that the insured can go to the doctor or specialist agrees that you want. However, it will deal with cases of hospitalization or special tests may be needed for diagnosis.

In exchange, the price of insurance is reduced, so is the more common option for consumers who want the freedom to go to a specialist without going through a general practitioner, but if they do not mind switching the Social Security hospital.
Health Insurance Reimbursement

In contrast to the policies described in the previous section, reimbursement of health insurance for the insured, offers the advantage to be free to choose which doctor you want (in Spain or anywhere else in the world). This means that in addition to close at 100% for each visit to a specialist medical panel, if the insured chooses to go to a doctor who does not work with your insurance company, it will change between 80 and 95% of the cost, depending on the conditions of each policy.

Such policies are very suitable for people who want to make sure to go to the best professionals when needed, whether they have agreements with other companies or countries located in the doctor concerned.

Because this coverage is a cost far greater for the insurance, the price of this policy is much higher than the health insurance described above. Also note that in the case of selecting a medical specialist outside the box, the insured must meet the service payments in the first instance and will not get a refund from the insurance company until all documents are not validated.

For this reason, this type of insurance often only hire people with purchasing power is relatively high.

As part of the comparative insurance plans that are underway, we are also interested in the statistics that set the trend and evolution of insurance plans throughout the year.

In the area of non-life, according to ICEA, despite the trend of decline that has taken place along this year, highlights a growth in health insurance.

The health insurance grew 5.2%, so it continues, as in the first quarter of 2009, distancing himself from the results obtained throughout the year.

Therefore, the evolution of the medical insurance industry in recent quarters mark a positive trend, which is also good for our health insurance comparison.

Choose to purchase health insurance with a huge benefit to public health. Personalized medicine, the absence of waiting lists, access to certain treatments did not occur in public health, is a major factor in this, but be careful because not all policies offer the same coverage.

To find the best insurance for dealing with large amounts of information that can inhibit the user you want advice on the subject. For this reason we are here to help you place a free service that allows you to get health insurance comparisons and personalized advice from professionals in the field team, which will solve all your doubts and help you buy health insurance best suit their needs.
What is covered by health insurance?

Policies usually include medical charts of primary care the most basic and exclude hospitalization. These treatments range from general medical and specialist, including in some cases, alternative therapies, services and nursing home ATS sometimes also as a policy and company, and access to advanced diagnostics with international medical second opinion, to care and even abroad. The most important policy and also more affordable.

The most comprehensive policy that includes all these benefits, in addition to hospital care and other services such as monitoring of pregnancy and childbirth assistance, some special care, family planning, or annual physicals, such as gynecological examinations, among others. It is important for our medical needs will be satisfactorily covered by the policy you choose.
Health Insurance Comparison
Request a FREE price comparison and 8 insurance Coverages most important in Spain
902 656 119

Analyzed Insurance:

* Insurance Adeslas Adeslas
* Insurance sanitation
* Health Insurance
* Insurance Asisa Asisa
* Home Health Home Health Insurance
* DKV DKV Seguros Insurance
* Health Care Health Insurance
* Aresa Mutua Madrilena Aresa
* Axa Axa Winterthur Winterthur Health Health
* IMQ IMQ Seguros Médicos
* Health Insurance Health Insurance Fiatc Fiatc
* Cigna Cigna Health Insurance
* Mutual MutuaAgrupacio Agrupacio
* HNA HNA Health Health
* Nectar Nectar Insurance Health Insurance
* Insurance Clinicum Salut Salut Clinicum
* Health Insurance Allianz Allianz Health
* Health Health Insurance Groupama Groupama

Additional Services

The Coverages described above is most common when buying health insurance. But in addition, many insurance companies offer different services, or optionally can be employed, or they can be accessed at more affordable prices or benefit from the discount.

Such is the case of dental insurance, often viewed as optional in the recruitment of health insurance, and other leading and innovative products, such as helping the human reproduction, laser surgery or more novels, cryopreservation of stem cells, umbilical cord blood. This service is becoming common in the provision of insurance, which has a concert with a special company, offering its policyholders the opportunity to access it at a more affordable price.
Aspects to consider before buying health insurance

In addition to benefits and coverage policies we offer, we must look into the details, at least, associated with the operations of each insurance company.

We must determine whether the use of private health insurance card payments involve copayments, that is a small amount, usually from 1 or € 2, depending on the insurance company and the type of service, every time we make use of the card. Another job with a checkbook, they also have costs. If we keep these copayments, we went straight to the insurance company that has been deleted. However, there are other conditions that are common to all firms, as the vesting period. Not enough to buy health insurance from the beginning to enjoy all the services. For many of them, set up a time of recruitment to the customer to use them, although most companies do not take into account the period in which the urgency. As for premiums, many insurance companies offer discounts if paid annually or semiannually, and some fraction or facilitate this allows us to defer payments for loss of use, or inability to work.

Finally, one of the most important aspect is to see a picture or a medical guide for each entity, to ensure we get the help they seek, whether our regular doctor, or a special center if they need.