Differences between providers and health insurance through Refund

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When one subscribes to a health insurance, we can do it in two ways:

- Health Insurance as part of a service – networks Advance Care , Multicare or Médis , for example – called “Managed Care”

- Health Insurance Reimbursement

In the first case, the user goes to a doctor or hospital within the network and supports the co-payment that it deserves: In Hospitalization 10% or a fixed value (in our health insurance does not pay anything), in the case of consultation, values ​​can vary between € 10.00 and € 15.00. Diagnostic Aids in the exams, the cost can be 10% or a fixed value.

In the second case, the user pays to consult the Doctor and in case of hospitalization for a chance to sign a disclaimer. After sending the receipt to the doctor or hospital insurance, it pays a maximum of 8 to 15 days the value of the share ranging from 75% to 90% in hospitalization, consultations and elements diagnostic tests, medications, etc..

Common in these insurance coverages:

- Hospitalization

- Consultation and Diagnostic Aids elements

- Medicines

- Stomatology

- Prosthetics and Orthotics

- Childbirth

Depending on the solution you choose, the co-participation vary from insurer to insurer. They have agreements with service providers mentioned above, and the Advance Care Provider is the most protocols with insurers.

Even health insurance “Managed Care” have been co-participation of the network – ranging from 30% to 70% depending on the make sure. Within the insurance companies have several options. Just choose which best suited for you.

To purchase a health insurance and choose the best method for you, consider the following factors:

- What I want in a health insurance? Dentist need? Childbirth? Drugs? This is because if you just want to Hospitalisation and specialist consultations, insurance is cheaper than opting to Dentistry (includes Dental) and Prosthetics / Orthotics (includes frames and lenses for glasses).

- Hospitals and doctors have a preference for insurance reimbursement they received the head and is easier to make appointments from one day to another in this mode.

- In the insurance reimbursement, there is no age limit of stay and can choose any doctor and any hospital in Portugal.

- The Insurance Reimbursement is a little more expensive than insurance “Managed Care”, but has the above advantages

- There are safe with critical illness cover (€ 1,000,000) above the “Managed Care” in which the supplier is the Best Doctors usually. It is worthwhile to opt for a “managed care” with this coverage. Alternatively, you can hire this coverage alone – if a single person or couple, insurance costs € 128.40 / per person per year; couple with son (a), about € 300.00 per year.

There are several solutions on the market in health insurance. Be sure to make one according to your possibilities. Get help from a mediator or broker .