When choosing our private medical insurance, key aspects of our life and family represent the main issues to take into account to choosing medical insurance that, in addition to protecting us, specifically cares for the members of our family nucleus.
The best medical insurance is the one that covers all the needs of our family without making us pay for elements of our policy that are not really necessary for family health care. And the benefits of this type of policy are the main explanatory element so that, year after year, the contracting of this type of health insurance increases progressively.
That is why today we talk about what family health insurance is, establishing its definition, the aspects to take into account when contracting our policy, and what are the benefits that this private insurance can contribute to the structure of our family nucleus.
What is family health insurance? ? Aspects to include in our policy.
The conception of what family health insurance is is simpler than it might seem.
This type of private insurance is nothing more than health insurance in which the insurance companies take into account the characteristics of the individuals that make up our family nucleus to determine the final price of our policy.
However, we should not conceive of the analysis by the insurance company as an element to increase the final price of the insurance but rather as an element to reinforce the security of our family in terms of health in a comprehensive and multidisciplinary way.
On the other hand, health insurers usually offer better conditions depending on the number of members that make up the structure of our family.
That is why when defining what family health insurance is, it is essential to understand that the population over 60 years of age does not have the same health needs as babies or children, something that will be taken into account to performing the calculation of the final price to insure our family in terms of health with the maximum guarantees.
The conception of what family health insurance is will always be more linked to the coverage that it must offer than to the definition of this type of contractual relationship within the world of insurance.
The best insurance companies understand that there are many aspects that circumscribe the care of our family.
That is why his conception of what family health insurance is encompasses many more issues for its care than access to general medicine, medical specialties, surgical interventions, or hospital admission when this is required by the doctor in question.
The best health insurance for our family must encompass issues as diverse as those detailed below.
DENTAL INSURANCE? The importance of oral health for the members of our family.
Prior to the existence of this type of private insurance, the price of services in the area of dentistry constituted an important expense in our family economy.
And beyond the aesthetic function, which is also important, we must not ignore the importance of oral health from a functional point of view for the correct development of our person in his day today.
Through the mouth, we carry out vital functions of a biological nature, such as chewing or swallowing. And not taking care of it in the present can have very negative consequences in future times. An example of this is the elderly who must make restrictions on their diet (diet based on liquid or crushed food) for not wearing the appropriate prosthetic restoration.
PSYCHOLOGICAL ATTENTION? The importance of this from the medical point of view – is family.
The taboo and stigma about mental health problems that existed in our society in the past are progressively fading away, something that companies in the insurance market take into account when offering their insurance offers in the area in which you operate your company.
When hiring health insurance for our family structure, this issue maybe even more important in the event that our family has young or adolescent subjects. According to the World Health Organization, mental disorders account for 16% of the global burden of disease and injury in people aged 10 to 19 years.
For this reason, when defining the concept of what family health insurance is, psychological help, far from being seen as something optional, must be understood as a key element in those most difficult times for the members of our family. from the emotional point of view, improving in parallel the relationships between the people who are part of it.
HELP PREGNANT WOMEN? Medical mutual with specialized services in this regard.
The arrival of a new member in our family is something that must be clearly reinforced with specialized health services in this area that can be included in our policy.
A clear example of services of this type can be found in the Sanitas policy, which includes the maternal and child program, to advise you before and after pregnancy, and the healthy child program, which focuses on helping you in a specialized way in everything related to care and development of your kids.
HEALTHCARE? Specialized help in case of hospitalization of one of the members.
The conception of what family health insurance is has changed considerably in recent years. That is why mutual health companies include various support services for our families that go beyond the services that we could find by going to a health center.
Thus, for example, in the event that we require a prolonged period of hospitalization or stay in our residence due to medical prescription, the Sanitas medical insurance will offer us support in basic household tasks, as well as the delivery of medications from the pharmacy or the care of minors under 16 years of age or people with disabilities of any kind.
The professional background
Would you like us to analyze the specialties of your particular case and help you make the decision? If you are thinking of betting on Sanitas health insurance in any of its modalities, get in touch with our team.
The conception of what family health insurance is by the Sanitas company, including various coverages to be included in our policy to offer you the maximum guarantees, makes this insurance one of the most demanded policies in the insurance market.
In addition to the advantages of its coverage, there are beneficial contracting conditions, creating the union of both factors the opening key towards the best insurance policy to protect our family structure.
However, as we have already developed throughout this article, the conception of what family health insurance always depends on the issues that require specialized NPI umber insurance for our family in particular.
That is why if you have any doubt about your specific case, we invite you to contact our team, which, through close and highly specialized treatment, will help you draw up the most appropriate policy to protect your family in terms of health.