When choosing health insurance in Spain, you may encounter the concept of copago.
Copay — is a co-payment for each use of medical services, in addition to the monthly payment for the policy.
🩺 How does it work?
Every time you visit a doctor, have tests or receive a medical consultation, you pay a small fixed amount. The amount of this amount depends on the insurance package you choose.
⚖️ Who benefits from choosing copago?
- For those who rarely see doctors: If you are in good health and rarely use medical services, copago will help you save on monthly premiums.
- Young or active individuals: If you lead a healthy lifestyle and only see doctors for preventive checkups, such plans can be financially beneficial.
💡 Who might not benefit from this?
- For those who frequently need medical care: If you regularly visit doctors or need frequent checkups, co-pays for each visit can become a financial burden.
- For families with children: Young children may need frequent visits to the pediatrician, so for such cases it is better to choose insurance without copay.
📋 Different packages mean different possibilities.
The DKV insurance company offers several health insurance packages with different levels of co-pay:
- Minimum copay: For each visit to the doctor, you pay a minimum amount (on average, it is 2-3 euros).
- Average copay: Slightly higher co-payment, but lower monthly payments.
- Without copay: There are no co-payments for medical services, but the monthly payment will be higher.
👩💼 I will help you choose the best option depending on your lifestyle and medical needs.
For consultation, cost calculation or policy selection contact.