The 5 key differences between Assistance and Reimbursement health insurance

When we want to subscribe a Health insurance, the market offers us two main options: Healthcare insurance, which is the most widespread and cheapest, and Expense Reimbursement insurance. What are the differences between them?

1. Insurance Healthcare offers us a medical and hospital directory that we can go to for free in exchange for a monthly premium. In general, the range of coverage is very wide and usually includes the best doctors of all specialties and the best clinics and hospitals in the area of ​​the insured and his family. In addition, it is the cheapest health insurance.

1. With the insurance of Reimbursement of Medical and Hospital Expenses, insurers offer their clients the possibility of going to any doctor, hospital or clinic that the insured wishes and then taking charge of the invoice that originates the medical attention, in full or in a percentage (generally 80% of the invoice ). Reimbursement insurance has many modalities: The highest-end ones offer the possibility of going to any doctor or hospital in any country in the world. Other modalities restrict the range only to Spain or with lower reimbursement percentages abroad. In addition, there are Reimbursement insurances that combine care in a medical box and reimbursement when you go to a doctor outside of that box. Naturally, these Reimbursement insurances are more expensive than Healthcare ones, and it is important to know the limits established by some insurance companies in this regard, as well as the deadlines indicated by each company to communicate the reimbursement request.

1. To choose one or the other, you must take into account the personal, family, work and geographic circumstances, for which our insurance broker will advise us the best option for our family.

1. You also have to see if they exist in the family preferences for a doctor. If, in addition to having the security of a complete medical chart, we always want to have that doctor available who, although not included in it, gives us confidence, we should opt for reimbursement insurance.

1. To choose one or the other, the most important thing is to have correct advice and for this, nothing better than an independent bank and insurance broker, such as Quality Brokers, who will provide us with complete advice on the best option for your needs.

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