It is a product that has been years in the sales catalog of products in banks and savings, but where they act as a mere trader, earn a commission for selling insurance, completely abandoned the relationship between the insured, the company, and of course the doctor.
in this post will try to give a different perspective : the client ( the insured or patient ), doctors and companies.
The insurance company, which operates in the competitive field of health through policies that ensure medical assistance to their clients for an annual premium is usually paid monthly or bimonthly.
Types of Health Insurance
There are different types of policies , such as:Tax Returns
insured can go to the doctor you want, tests, interventions, hospitalization is in and outside the province. At first the cost will be paid by the insured, but the insured to replace the company's presentation of invoices percentage of invoices typically more than 80 % of this. In addition, the insured has a medical chart so that if a test or a doctor selected from the table with the presentation of membership card will be the company that is responsible for making payments to doctors.This mode is the most expensive in all of the company, because the insured can go to any doctor, and therefore the company has no price agreed with the doctor we went. Quite agreed tariff for medical staff.
Insurance medical staff
Unlike the previous case, the insured can only visit a doctor or diagnostic tests, hospital, intervention, etc. center or doctor concluded per year in the company's medical staff. Services attached to the medical staff, will be included in the premium paid, so you do not have to pay anything because the company takes care of everything. In addition, the insured usually has discounts for other interventions that are not included in the policy, such as aesthetics, dental, vision, etc.It is the most common policy. Often have a waiting period for example does not include pregnant in the first year of consulting work, or do not cover existing conditions, etc. Therefore, all these policies health questionnaire, in which the company tries to detect pathology or previous chronic performed.
Hospitalization Insurance
in this case there is also the medical charts, we only include the intervention and hospitalization, but will not be discussed consultations and diagnostic tests.It is insurance for a serious topic and stuff like everyday wear for the treatment of Public Health.
Insurance counseling and testing
quite the opposite as above, also on the medical staff of your company only covers doctor visits and diagnostic tests.
Price
Price change from one company to another, and there are times that they are somewhat better coverage . More or less for about 35 years, the price return policy may be around 110 euros per month, the medical staff of around 60 euros per month, hospitalization of approximately 40 euros per month. consultations and medical tests around 35 euros per month. There are times where certain companies have better rates because they can be in any promotions or offers, and the price can be reduced substantially.There are several companies that in addition to the premium, copayment generally require € 1 or € 1.50 per visit or admission test add insurance that month.
Besides offering that the company may have at any time, prices vary substantially depending on the age and state of health of the insured. Until 2012, the price also varies by sex, however, take effect from 01/01/2013 European directive that prevents discrimination in insurance rates ( not only in health, but all insurers ) depending on the sex of the insured client.
Waiting times and service quality
Customers or insured under the policy expected higher quality of service in public health and with shorter waiting times. Without going to have excessive at times like Public Health, we can bring surprises, such as slowly gathered school also assisted with the insurance company. Clearly in terms of policyholder payments will not have this problem, but did not give leave to the professionals included in the medical chart below and you will understand.
In addition, as a professional center and more crowded, the service will be perceived by customers as a lower quality even reaching the point where even the service is in accordance with the level of satisfaction of the premium paid, especially in the provinces where there are a variety of private health infrastructure and to cover the demand.
At the end of this product, we will also say that the private medical centers included in the table they usually have good equipment and facilities. but so far, the public health team is more complete, since the end of the day during the last years of investment remains dedication to public service and not profit as more favorable disease (which is no surprise: the private health care is invested in accordance with profitability, and never invest in expensive equipment that does not have the minimum number of patients or users are guaranteed tough, but it's the truth).
What do doctors get and private schools?
Health center, diagnostic center, questions, etc. are included in the medical staff of the insurance company, which was agreed between the price of the service, so that every time a patient using this service the company to pay the price to see a doctor.
Physicians interested in adding their personal clients with insurance, so as to increase their income while making himself known to more people. As in the health sector is the patients themselves who recommend friends, family, etc. about the physician or other depending on the level of success or satisfaction achieved after we completed our diseases or health problems.
However, what was once compensate businesses in the triangle formed by patients, doctors and insurance decompensation gradually so that the insurance company side of the triangle has gradually grown disproportionately hurting doctors and patients.
The fact is that insurance companies scratching and dignity go beyond the thin red line, which makes understand why the wait time high in the consultations, tests and interventions in health insurance why many doctors disappeared from the medical charts of the company? why doctors began to treat patients more auto insurance? etc.
Operator
Press and continue to press to doctors, hospitals and resorts lowered their rates because they assume the risk of the service, doctors assume. They only agreed between the rates and know there are a large number of statistics that do not consume policyholder premiums paid on services provided, so all you have to do is increase the number of insured, how ? Lowering premiums, and thus should continue to encourage physicians to reduce the rate.It is a vicious circle, in which the insurance company makes money but policyholders and doctors worse each time .
I do not want to speak ill of health insurance in this article. I actually have a health insurance, but I want to let you see the operation of health insurance, modalities and insured, doctors and insurance companies.
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