1️⃣ Focus only on price 💶
Cheaper doesn't always mean better. It's important to look at the quality of coverage, not just the cost of the policy. Cheap policies can have serious limitations, which can lead to situations where the insurance doesn't cover important medical services or has high co-payments (copago) for every doctor's visit, test, or examination.
2️⃣ Ignoring the waiting period ⏳
Many people don’t pay attention to the “waiting time” (query period) for accessing certain services. This can be an unpleasant surprise if you urgently need hospitalization, surgery, etc.
3️⃣ Insufficient coverage check 🧐
Not all medical services may be covered by your policy. Often, clients forget to check whether services they need, such as dentistry, physiotherapy or specialized treatment, are included.
4️⃣ Wrong choice of co-payment (copago) 💸
It's important to pay attention to the type of co-pay you choose. A policy with a low monthly premium may have high co-pays for each doctor visit, which can end up costing you more in the long run.
5️⃣ Insurance only if you need urgent help with serious problems 🚨
Many people put off getting health insurance until the last minute, when they have a serious health problem and need to see a doctor right away. However, it is important to understand that insurance companies do not cover pre-existing conditions diagnosed before the contract is signed, or cover them with certain restrictions. In addition, most insurance policies have a waiting period during which certain medical services (such as surgery) are not yet available. If you urgently need specialist help and you have just signed a contract, these services may not be covered by the insurance until the waiting period ends.
Therefore, it is worth taking out health insurance in advance, without waiting for serious problems, to ensure maximum protection and access to necessary treatment. Properly chosen health insurance will help avoid unexpected expenses and guarantee access to necessary treatment at the most critical moments.
If you need advice, contact.