The end of the year is the time when insurance companies in Spain update their prices for the following year.
And right now you can change the package, switch to annual or monthly payment, or even cancel the policy.<\/p>\n\n\n\n
And many people think:
\u201cWhy pay if I hardly used it?\ud83e\udd14
In fact, if you haven't used it, that's great, you're healthy \u2764\ufe0f
But this is definitely not a reason to cancel the policy.<\/p>\n\n\n\n
Here are 3 reasons why you should leave him\/her <\/strong>\ud83d\udc47<\/p>\n\n\n\n 1. Waiting period.<\/strong> 2. The true value of insurance.<\/strong> Understand: Insurance is not a gym membership that you have to use every day. It is a RISK MANAGEMENT tool.<\/p>\n\n\n\n Example: You don't cancel your car insurance just because you didn't get into an accident.<\/p>\n\n\n\n Reality: Waiting periods in public hospitals can be years, and the cost of treatment in private clinics without insurance (especially intensive care or complex surgery) can reach tens of thousands of euros. Your policy will cover these costs, giving you peace of mind and access to the best medicine without ruining your family.<\/p>\n\n\n\n 3\ufe0f\u20e3 New policy = new risks<\/strong> \ud83d\udca1 Wise decision:<\/strong> Keep your experience and full coverage \u2014 it's more valuable than a small savings \ud83d\udc9a<\/p>","protected":false},"excerpt":{"rendered":" \u041a\u0456\u043d\u0435\u0446\u044c \u0440\u043e\u043a\u0443 \u2014 \u0446\u0435 \u0447\u0430\u0441, \u043a\u043e\u043b\u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0456 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457 \u0432 \u0406\u0441\u043f\u0430\u043d\u0456\u0457 \u043e\u043d\u043e\u0432\u043b\u044e\u044e\u0442\u044c \u0446\u0456\u043d\u0438 \u043d\u0430 \u043d\u0430\u0441\u0442\u0443\u043f\u043d\u0438\u0439 \u0440\u0456\u043a.\u0406 \u0441\u0430\u043c\u0435 \u0437\u0430\u0440\u0430\u0437 \u043c\u043e\u0436\u043d\u0430 \u0437\u043c\u0456\u043d\u0438\u0442\u0438 \u043f\u0430\u043a\u0435\u0442, \u043f\u0435\u0440\u0435\u0439\u0442\u0438 \u043d\u0430 \u0440\u0456\u0447\u043d\u0443 \u0447\u0438 \u043c\u0456\u0441\u044f\u0447\u043d\u0443 \u043e\u043f\u043b\u0430\u0442\u0443, \u0430\u0431\u043e \u043d\u0430\u0432\u0456\u0442\u044c \u0432\u0456\u0434\u043c\u043e\u0432\u0438\u0442\u0438\u0441\u044f \u0432\u0456\u0434 \u043f\u043e\u043b\u0456\u0441\u0430. \u0406 \u0431\u0430\u0433\u0430\u0442\u043e \u0445\u0442\u043e \u0434\u0443\u043c\u0430\u0454:\u201c\u041d\u0430\u0432\u0456\u0449\u043e \u043f\u043b\u0430\u0442\u0438\u0442\u0438, \u044f\u043a\u0449\u043e \u044f \u043c\u0430\u0439\u0436\u0435 \u043d\u0435 \u043a\u043e\u0440\u0438\u0441\u0442\u0443\u0432\u0430\u0432\u0441\u044f?\ud83e\udd14\u041d\u0430\u0441\u043f\u0440\u0430\u0432\u0434\u0456, \u044f\u043a\u0449\u043e \u043d\u0435 \u043a\u043e\u0440\u0438\u0441\u0442\u0443\u0432\u0430\u043b\u0438\u0441\u044c \u2014 \u0446\u0435 \u0447\u0443\u0434\u043e\u0432\u043e, \u0432\u0438 \u0437\u0434\u043e\u0440\u043e\u0432\u0456 \u2764\ufe0f\u0410\u043b\u0435 \u0446\u0435 \u0442\u043e\u0447\u043d\u043e \u043d\u0435 \u043f\u0440\u0438\u0447\u0438\u043d\u0430 \u0441\u043a\u0430\u0441\u043e\u0432\u0443\u0432\u0430\u0442\u0438 […]<\/p>\n","protected":false},"author":2,"featured_media":2082,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-czikave-pro-strahuvannya-v-ispaniyi"],"acf":[],"_links":{"self":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/2081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/comments?post=2081"}],"version-history":[{"count":1,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/2081\/revisions"}],"predecessor-version":[{"id":2083,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/2081\/revisions\/2083"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/media\/2082"}],"wp:attachment":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/media?parent=2081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/categories?post=2081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/tags?post=2081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
When you first apply for insurance, some services (surgery, hospitalization, complex examinations, etc.) are available only 6\u201312 months after application - this is the waiting period.
If you have already been insured for a year, all these periods have passed.
After closing the policy and opening a new one, you will have to wait again.<\/p>\n\n\n\n
Sometimes clients say: "We hardly used the policy last year. Why pay?"\u00ab<\/p>\n\n\n\n
After cancellation, everything starts from scratch:
\u2013 again,
\u2013 a new health declaration.
And if you have diagnoses (hypertension, diabetes, fibroids, etc.) - the new insurance may not accept or exclude these diseases from coverage.<\/p>\n\n\n\n
Don't rush to cancel!
Talk to your agent - maybe you can:
\u2013 change the package to a cheaper one,
\u2013 switch to annual payment (gives a discount of up to 7%).
\u2013 switch to a package with additional payments.<\/p>\n\n\n\n