Health insurance is an insurance policy that allows you to have more health coverage than that guaranteed by public services. In fact, it is usually a cover that guarantees prevention, diagnosis, treatment and treatment services for conditions and diseases even in hospitals and private clinics, where services generally have much higher costs than a simple hospital ticket.
Why activate a health insurance policy?
Activating health insurance can be advantageous for all people who wish to have greater health security, achieving high quality performance without having to shell out huge sums. Among those who prefer a policy of this type are travelers. In many countries of the world, in fact, health and care are paid exclusively: even in an emergency, insurance is required before entering the emergency room. The risk, in the event of a negative response, is to find a few million euros on the bedside table.
The health policy is therefore an excellent solution for those who, traveling, want the certainty of always having the best medical care. However, health insurance is not exclusive to those who are often abroad, but is more and more frequently activated also by people living in Italy: in fact, many policies guarantee total health coverage, even for services that are generally not covered. by the National Health Service. An example is that of dental services, which are almost entirely the responsibility of the patient, while they can be obtained at a reduced cost or free of charge thanks to a health insurance policy.
The policy for workers
The health policy is an excellent idea also for people who carry out trades and professions at risk, such as workers or people at risk of contamination (doctors, nurses and other health personnel). This is because the policy guarantees, in addition to the coverage of medical expenses for diagnosis and treatment, also reimbursements and service compensation for the worker who loses days of work due to health problems.
Other guarantees of health policies
Often, agencies that provide health policies offer their customers additional services, such as call centers available 24 hours a day for health care, rapid specialist services located close to home, no cash advances for services and many more. Refunds range from hospitalization due to injury, to hospitalization scheduled for surgery, childbirth and cancer treatment; home care services such as rehabilitation and physiotherapy, therapies and nursing services at the patient’s home.
Among the possibilities there is also that of asking for a second opinion from a different doctor in the case of particular diagnoses; in this way it remains for the customer the possibility of choice and freedom on the care path to take, at any time. Some policies include, in addition to remorse for actual medical expenses, also reimbursement of expenses such as rental of necessary aids: orthopedic beds, wheelchairs, crutches, hearing aids and everything else that the person may need to heal or have a quality of better life.
Prevention first of all
Some health policies offer their customers the opportunity to carry out screening and prevention services, such as exam packages for early assessment of arterial hypertension, diabetes and other cardiovascular diseases. Equally, there are screening for cancer diseases, such as mammography, pap test and others. Do not miss the opportunity to carry out vaccinations (such as that against seasonal flu) and complete periodic check-ups, designed specifically for the needs of women and men.