Learn About the Types of Health Insurance

Having health insurance is a wise decision, as it translates into an investment for your peace of mind and well-being, and that of your family. There are different alternatives to choose from; in terms of coverage and costs. 

In this opportunity, we will tell you what health insurance is, its benefits and what are the types of health insurance.

Health insurance is a contract that is acquired through an insurer. This is done voluntarily and in addition to the Mandatory Health Plan (POS), that is, it complements what your EPS offers you.   It has a value according to the type of insurance chosen and the plan; the services provided depend entirely on the entity with which the insurance is contracted.

Health Insurance Benefits

Health insurance, in general, offers many benefits, some are:

• Attention with the best medical specialists directly (without the need for a prior appointment with a general practitioner).
• Access to the best private clinics.
• Private room in case of hospitalization.
• Coverage of unexpected expenses. 
• Quick attention in case of emergencies.
• Maternity care coverage and additional services such as transfers, exams. 
• Accompaniment, prevention, and self-care programs.
• Some include international travel assistance, in the event of an accident.

And what are the types of health insurance?

There are plans with national coverage and others with international coverage. 

Nationals

These types of health insurance offer coverage for medical expenses in the event of an accident, illness, and maternity. For example, two plans are offered with access to more than 5,000 health providers nationwide.

It also includes programs to prevent and manage complex situations, orientation in motherhood (according to the chosen plan), and support for the development of healthy habits.

What differentiates one plan from another is coverage for any medical emergency during a trip abroad, as well as greater coverage in terms of costs.

International

International health insurance covers more benefits and coverage. Well, it includes services nationwide and abroad. They are based on alliances with companies in different countries and allow access to high-quality medical care. 

According to the contracted plan, this type of insurance provides coverage and access to a large number of medical providers in the world, check-ups, medical transfers, second medical opinion worldwide, vaccination for the smallest of the family, and medications ( according to coverage limit).

A key detail is not to confuse this type of health insurance with travel assistance services, which are those that are acquired occasionally, before making a trip and offer maximum coverage of 90 days, with value limits for procedures included.