Hiring health insurance can be an excellent alternative for those who do not want to depend on public services. After all, as you may well know, queues for appointments and exams at government-run units can take months or even years.
Although the situation is a little better in the private network, health plans are not always able to meet the needs of customers when they need them most. In fact, taking out health insurance can be a way to be attended to more quickly, in addition to being able to choose the professionals with whom to consult.
Here are five advantages of taking out health insurance for your family!
1. Good value for money
Ensuring supplementary health care for all family members — that is, in addition to that offered by the Unified Health System (SUS) — can be expensive, especially if you need to have health insurance for several people.
In this sense, taking out health insurance can be an alternative to relieve your pocket and effectively pay for the services you use the most.
2. Ease of access
With the precariousness of public services, even the private network began to face difficulties in meeting all the demands. Thus, it is not uncommon to have to wait a few days to be able to consult the health plan.
With the insurance, the person does not need to look for the same network every time. Therefore, you are more likely to be served quickly.
3. Quality service
Over time, you are likely to come to trust certain experts. However, if you join a health plan, sometimes you need to stop seeing your trusted doctor.
The advantage of hiring insurance, in this case, is that you look for professionals who meet your needs. This ensures quality service, as there is freedom of choice.
Even so, nothing prevents the insurance from also being linked to a network of accredited doctors, to speed up patient care — especially when the person does not have any indications of professionals in the specialty they need. In this case, instead of having medical expenses reimbursed, the insured does not pay for the services.
4. Reimbursement of medical expenses
As a rule, with health insurance, the person is reimbursed for medical expenses according to the conditions of the contract. In the health plan, there is a quota of free consultations. So, if the person does not use the services often, the plan can be disadvantageous.
5. Service customization
When a person joins a health plan, there are only a few options available to them. Therefore, it is necessary to adapt to the conditions imposed by the operator.
When choosing to contract health insurance, there is greater flexibility to discuss the terms of the service, which allows the client to customize the contract according to their own needs.
Regarding the possibility of personalizing the service, it is important that the insured respond sincerely to the diagnostic stage, which serves to define his/her health profile. Thus, the insurer is able to offer a service that will really meet the customer’s wishes.