Less than 8% of Peruvians have private health insurance, says Rímac nndc | ECONOMY

Among the entire Peruvian population that has health coverage, only 8% accessed a private health insurance at the end of 2020, according to a report by Rímac Seguros y Reaseguros.

The company indicated that, despite the fact that this sector grew around 4% in recent years, the penetration of private health insurance is still low among citizens.

“The low contracting of private health insurance is due to factors such as high prices – higher than S / 200 per month on average -, misinformation about coverage, benefits and payments, unfriendly language in the purchase and use of insurance , and the low tangibility of its value “explained the insurer.

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The current offer of private health insurance is predominantly comprehensive, and this leads to the grouping of coverage and services that often do not fit the specific needs of the insured.

This situation causes private health insurance clients to perceive that they are paying for coverage that they do not use and therefore do not end up finding the correct balance between the cost of the product and the benefit they receive.

“These characteristics hold back the contracting of private health insurance, especially in the lower segments, since it is very expensive products and they have too many coverage that does not suit their needs”Rímac added.

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