How to choose major medical insurance?

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Today there are a wide variety of companies offering health insurance. Before choosing yours, know its terms and choose the one that suits you best.

This article was translated from our spanish edition using AI technologies. Errors may exist due to this process.

The Major Medical Expenses Policy (GMM) is designed to cover reimbursement payments for major illnesses that require expensive treatment.

Fortunately, there is already a better knowledge of diseases and ways to prevent them, for them it is important that you know the Assurance you have to get out.

Today, given the wide variety of offers that exist for purchasing medical expenses insurance and the number of companies competing for this market, it is difficult to choose one.

For this reason, it is essential, before making a decision, to know what types of insurance are offered and what is the detail of the service that companies are considering. Here we are going to give you some tips to help you make a better decision:

1. Decide on the type of policy you want to purchase
In medical insurance, there are different services that can be contracted through a medical expenses policy that should be known: With different levels of hospitalization, with or without reimbursement of expenses, mixed and direct payment.

2. Do you offer any benefits or coverage for dental treatment?
There are companies that offer partial and full coverage for dental consultations or treatments; this must be taken into account.

3. Are your prices differentiated according to criteria of age, sex and socio-economic profile?
It is important that the rate you pay is adjusted to your likelihood of consuming medical services, which is directly related to certain variables such as age, gender, and area of ​​residence.

4. Check how the company acts in case of frequent use of medical services
There are some policies on the market that include penalty clauses for repeated use of help.

5. Check the coverage offered by the company
The policy should have a detailed list of what it covers and what it does not cover, always clear and visible.


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