2024-05-10 17:48:55
Updated Friday, May 10, 2024 – 19:48
Private healthcare has become an option that is increasingly in demand by Spaniards seeking personalized and effective medical care. The difficulties of the public health system, especially as a result of the pandemic, with long waiting lists and lack of resources, have triggered the hiring of these health insurance policies.
According to the report Private Healthcare, Contributing Value 2023 by the IDIS Foundation, the sector in 2022 surpassed the 12 million users, beating the previous year’s records by 4%. A sustained increase year after year since the start of the pandemic, which confirms the upward trend since the beginning of the century.
There are two types of private insurance: with co-payment and without co-payment. Before choosing one of them, the patient’s profile and habits must be taken into account.
The first, with copayment, it is cheaper. It consists of paying less in the monthly fee in exchange for paying a small amount each time you go for a consultation or use one of the services. This option is more recommended for clients who rarely visit medical centers. The amount to pay depends on the insurance you choose and in some companies it has an annual limit.
Insurance no copay It has a higher monthly price, but in exchange it offers the peace of mind of not having to pay every time you go to the medical center. This option is more interesting for those who need frequent medical assistance.
When choosing insurance, you must also assess what types of services the patient needs. Many are common to all of them, but there are other more specific ones that could determine the choice: such as the services dentalof physiotherapy that of overseas assistancefor people who travel regularly.
The price of the insurance will also be determined because of age of the policyholder, increasing on average 25% the price for a 40-year-old person compared to a 24-year-old, for example, according to reports from the comparator Kelisto.es. The rate may also vary depending on the place of residence.
The five cheapest insurance policies in May
Complete Asisa ++ (Asisa)
- Monthly price: 25.99
- Hospitalization: Included
- Copay: Medium. Copay limit: annual maximum of 300/insured
- Dental coverage: Basic
- Video consultations: Included
- GO TO THE OFFER
DKV Integral complete (DKV)
- Monthly price: 26.57
- Hospitalization: Included
- Copay: High. Copay limit: Annual maximum of 600/insured
- Dental coverage: Complete
- Video consultations: Included
- GO TO THE OFFER
Adeslas Plena Vital (Adeslas)
- Monthly price: 37
- Hospitalization: Included
- Copay: Medium. Copay limit: Annual maximum of 300/insured
- Dental coverage: Basic
- Video consultations: Included
- GO TO THE OFFER
Complete Health (Divina Seguros)
- Monthly price: 38.75
- Hospitalization: Included
- Copay: Low. Copay limit: Annual maximum of 400/insured
- Dental coverage: Complete
- Video consultations: Included
- GO TO THE OFFER
Ms. Salud Best Health (Health)
- Monthly price: 51.68
- Hospitalization: Included
- Copay: Medium. Copay limit: No
- Dental coverage: Complete
- Video consultations: Included
- GO TO THE OFFER
Source: the offers that appear in this space are offers that can be contracted from Kelisto.es and its inclusion does not respond to editorial criteria. Pricing made on 05/07/2024 for a 24-year-old insured resident in Madrid. Offers ordered from lowest to highest price.
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