Seguro de gastos medicos mayores

Summary

In this video, we discuss the essential aspects of medical expenses insurance, including its coverage, how to choose the right plan, and tips for selecting a trustworthy insurance agent. The video explains what the insurance covers, such as medical treatments, surgeries, and maternity, and emphasizes the importance of matching hospital and doctor fees with the plan. Key terms like deductible, co-insurance, and pre-existing conditions are also addressed, along with guidance on understanding waiting periods for maternity coverage. Viewers are encouraged to verify their insurance agent’s credentials to ensure they’re working with a licensed professional.

Takeaways

• 😀 Health insurance protects your health and that of your family, covering illnesses, accidents, treatments, surgeries, and more.
• 😀 You can add extra coverage to your policy, such as maternity care or international emergency coverage, depending on your needs.
• 😀 It's crucial to communicate your lifestyle with the insurance agent to design a plan tailored to you, avoiding unnecessary coverages and costs.
• 😀 When selecting a hospital, consider proximity to your home and ensure the hospital’s medical fees align with your plan’s medical fees structure.
• 😀 The hospital and doctor fees should be balanced—don’t choose a high-end hospital with underpaid doctors, as it could cause problems with coverage.
• 😀 Understanding the deductible and co-payment (coaseguro) is essential to ensuring your insurance plan works effectively. Check out additional resources on these topics.
• 😀 Pre-existing conditions may not be covered by insurance, so always declare any prior illnesses when applying for a policy, as insurers may offer flexibility.
• 😀 If you're recently married or planning to have a family, keep in mind there are waiting periods, especially for maternity coverage, which can range from 30 days to 10 months.
• 😀 Ensure the insurance agent you’re dealing with is licensed and trustworthy. You can verify their credentials on the official National Insurance and Surety Commission website.
• 😀 If you’re unsure about your insurance agent’s expertise or integrity, check the National Insurance and Surety Commission’s website to confirm their status and qualifications.
• 😀 Always ask the right questions and thoroughly evaluate your health insurance options to make the best choice for you and your family.

Q & A

What is a health insurance policy, and how does it function?

A health insurance policy is designed to protect your health and the health of your family by covering expenses related to illness, accidents, treatments, surgeries, and other health-related matters. Additional coverages like maternity or international emergency services can also be included.

How can I choose the right hospitals for my health insurance coverage?

To choose the right hospitals, consider the ones that are closest to where you live or where you'd like to be treated. It's important to select hospitals that align with the medical services you want and the level of care you need.

What is the relationship between the quality of a hospital and doctor payments in health insurance?

The level of care you receive should match the cost of doctor services. If you choose a high-end hospital, your insurance plan should reflect appropriate doctor fees based on established medical tariffs to ensure the coverage is balanced and effective.

What is a deductible, and why is it important in health insurance?

A deductible is the amount you pay out-of-pocket for health services before your insurance coverage kicks in. It's important to choose the right deductible to make sure it fits your financial situation and insurance needs.

What is co-insurance, and how does it affect your health insurance?

Co-insurance is the percentage of costs you are required to pay for medical services after your deductible is met. It's essential to understand how co-insurance works to avoid unexpected costs and ensure your policy provides adequate coverage.

What is a pre-existing condition, and how does it affect my health insurance?

A pre-existing condition is any health condition you have before obtaining insurance coverage. Depending on the insurer, a pre-existing condition may or may not be covered. It's important to disclose any such conditions to your insurer to understand the coverage details.

How can I ensure my pre-existing condition is covered in my health insurance?

When you apply for insurance, disclose any pre-existing conditions honestly. Some insurers may cover pre-existing conditions with additional documentation or under specific terms, so be clear about your health history to ensure appropriate coverage.

What is a waiting period in health insurance, and how does it work?

A waiting period is the amount of time you must wait before certain benefits of your insurance policy are effective. For example, maternity coverage often has a waiting period of 10 months, while other services may have waiting periods ranging from 30 days to two years.

How do I know if an insurance agent is trustworthy and licensed?

You can verify if your insurance agent is licensed and trained by checking the National Insurance and Surety Commission’s website. It is important to ensure that the agent is properly registered and has the required certifications to offer insurance services.

What should I do if I need further information about my health insurance options?

If you need more information, you can contact the insurance provider directly or ask your agent for additional details. You can also visit the provider’s website for resources, or consult experts who can guide you in choosing the right policy for your needs.