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5 Tips to Save Money on Your Home Insurance

It is important to take an inventory of all your assets. © iStock

If you are thinking of taking out home insurance to protect your home against a possible loss, but you fear paying a fortune for the premium, do not despair! In this guide, you will find all the tips to save when subscribing to your policy.

A lot of homes suffer some type of accident during the year, which can translate into several thousand dollars that the owners must pay in repairs.

Keeping your home safe in the summer or having the certainty that all the facilities are in good condition is not always possible and claims can arrive at any time.

Indeed, if you do not have home insurance that allows you to deal with these unforeseen events, the surprise and outlay in the event of an unexpected loss can be quite large.

It is important that you know that home insurance protects you against the expenses that may arise from an accident produced inside your home, so buying home insurance is highly recommended.

How do you know if the insurance you want to take out suits you? What to do to avoid overpaying for the policy? What elements to take into account to be well protected?

Subscribing coverage for your home is not easy. Therefore, pay attention to the following tips to save on your insurance.

Analyze your needs

The first thing you should do when looking for insurance for your home is to analyze your needs and determine what elements you need to be insured.

In this sense, the options may be the following:

Continent

The continent is everything related to the structure of your home (walls, floors, roofs, windows, electrical installations, plumbing, etc.).

It is important that you assign a correct value to the continent since many people give the policy the real value of the room at the time of purchase, which dramatically increases the price of insurance.

Content

The content is related to everything that is inside your house (furniture, appliances, decoration, etc.).

It is important that you know that jewelry, money, and works of art are not usually covered by traditional insurance.

Civil liability

In the event that a third party suffers any damage due to an accident that occurred in your home, the insurer will cover the expenses derived from it.

First Risk

If your home is already insured by the coverage of the neighborhood community, it can be very useful to have First Risk Insurance. which, in addition to being cheaper, allows you to obtain the corresponding compensation without the company taking into account the value of the insured property.

Take an inventory of your assets

If you have already decided that you want to insure the contents of your home, you need to make an inventory of the assets you want to include in the policy.

Write down all the objects you want to insure, their characteristics, their years of use, and the price you paid for them.

Do not forget that in the event of a claim, the insurer will not pay you the real value of the object, but will make an estimate according to how old they are.

Compare the different insurance offered by the market

If you find yourself burdened by a large number of types of home insurance currently offered by the market, I advise you to turn to a policy comparer.

These tools will allow you to filter your search quite precisely, giving you a list with the most appropriate insurance for your own situation.

Decrease the value of the premium by reducing the risk factors of your home

One of the important factors when economizing on home insurance is minimizing the risk factors for your home so that the company offers you a cheaper premium.

It is important that you know that the premium you pay for your home is directly related to the risk factor that your home presents.

When requesting a quote for Multi-Risk Insurance, the insurer will take into account several factors before giving a final premium value. Therefore, the safer your home is, the less you will have to pay for your policy.

Things you can do to reduce the risk factor for your home include:

  • Place smoke detectors
  • Install burglar alarms
  • Secure doors and windows
  • Keep your electrical, water, and gas installations up to date

Look at the promotions, exclusions, and special coverage

Although most insurers offer the same coverage when purchasing home insurance, there are small details that can make a difference.

Some of the points that you should keep in mind are:

  • Online contracting: some insurers offer you quite striking reductions if you purchase insurance online.
  • Welcome promotions: find out about the promotions offered by different insurers, many of them offer discounts of up to 50% on the premium during the first year of purchasing.
  • Additional coverage: find out very well if the policy you are interested in includes any type of additional coverage.
  • Exclusions: do not forget to ask about the risks that are not covered by the policy and for the objects that will not be reimbursed in the event of a claim.

How does flood coverage work in home insurance?

The climate and poor quality of the facilities in your home are not the only reasons why a claim can be caused. © Pixabay

There are many reasons that can make you find your house flooded by water from one day to the next. However, do not be overwhelmed because many home insurance includes this coverage in their policies. So that you have everything clear, today, we tell you what they are about and how they work.

One of the main causes of accidents inside a home corresponds to damage caused by water.

Indeed, there is a long list of situations in which this type of accident can occur. One of the most common are floods caused by poor construction or a house breakdown.

Leaks from rain, moisture in the walls, pipes or leaks in the pipes can be just some of the problems that cause your home to flood.

However, the climate and poor quality of the facilities in your home are not the only reasons why a claim can be caused.

Human failures, such as forgetting to turn off the tap or letting the bathtub run, also represent a significant percentage of the causes of damage caused by water inside domestic homes.

Water damage can range from minor damage to complete flooding of the home. For this reason, having Home insurance that includes this type of coverage can be very convenient when facing a situation of this type.

Let’s take a deep dive into what these policies propose and how far their coverage goes.

Water damage: what do they contemplate?

Before reviewing the coverages that a water damage policy can include in Home insurance, it is important that you find out if your contract includes these types of incidents.

Indeed, there are different types of home insurance and each one is different, therefore, yours may not have flood coverage.

On the other hand, the corresponding compensation and replacements will depend on the type of policy you have previously contracted.

Among the most common coverages that can be found in this type of insurance are:

Rain damage

In case of heavy rains or that they produce some type of accident in your home, the insurer may compensate you as long as the intensity of the same exceeds that established by the company.

Damage caused by meteorological phenomena

In addition to rains, some home insurance policies include water damage caused by meteorological phenomena such as strong winds, storms, among others, among their coverage.

Damage caused by floods

In the case of floods, the policy may stipulate that compensation will be made on the damage produced, provided that the origin is breakage of channels or ditches on the surface.

Damage caused by extraordinary floods

It may be the case that the magnitude of the flood is such that the insurance company declares the loss as an extraordinary flood.

How far does the coverage of this type of policy go?

flooded kitchen
These types of policies include exclusions that you should know. 
© Pixabay

As with other types of insurance, coverage will depend exclusively on the policy you have taken out.

While some insurances will cover only the continent of your homes, such as ceilings, floors, and walls, others will also cover the content, that is, appliances, furniture, etc.

In turn, the vast majority of Home insurance with water damage coverage includes Third Party Liability.

Are there any exclusions in water damage coverage?

Indeed, there are some situations where, although there is a loss caused by water, the insurer is exempted from any obligation to make payment for the damages produced.

Among the most common exclusions are:

  1. Exclusion of damages caused by public pipelines
  2. Exclusion of damage caused by water if the apartment is rented and the use of the house has not been communicated to the company.
  3. Exclusion of water damage if pipes are exposed.
  4. Exclusion of water damage coverage due to forgetting to turn off the tap when the insured home has been uninhabited for more than 72 consecutive hours.
  5. Exclusion of damages due to leaks that have occurred through roofs, walls, and/or walls from adjoining or superior homes.
  6. Exclusion of damages derived from the freezing of water if the house has been uninhabited for more than 72 consecutive hours and it is shown that the necessary precautionary measures have not been taken.

Guide on electrical damage in Home Insurance

Electrical damage represents 11% of the coverage granted by insurers. © iStock

Domestic accidents caused by electrical failures represent the third cause of loss in Home Insurance. The companies have reacted by including in their policies a special guarantee for this type of breakdown. Let’s review what your coverages are and the exclusions they may include.

Everything works fine and, from one moment to another, something happens in the electrical system of your home and one or another device is affected.

Indeed, and despite what happened some time ago, today electrical damage claims have grown significantly, reaching 11% of all domestic accidents that insurance companies must reimburse.

In this sense, the electrical appliances most affected by this type of breakdown are washing machines, refrigerators, and televisions.

How does Home Insurance work in the event of a claim of this type? Let’s review everything you need to know about this coverage in the following article.

Electrical damage: definition

Electrical damage is the damage that your electronic equipment can suffer as a result of a breakdown or accident in the home system.

Generally, these damages are caused by voltage spikes and drops, short circuits, lightning strikes, electrical storms, abnormal current, or arcing.

Electrical damage coverage

If you already have a multi-peril policy , you may not have even realized that it includes special coverage against electrical damage. However, you must be careful, as this guarantee is not always contracted automatically.

Generally, electrical damage coverage covers the damages that your installations and electrical appliances may suffer as a result of the claims that we have mentioned above.

A large part of the insurance companies offer a guarantee for damages that occur both in the container and in the content of the home.

Regarding the content, if you have this type of coverage, your insurer should be responsible for the damages caused to your electronic devices.

Some insurers include in their coverage of electrical damage the reimbursement for the loss of power supplies stored in the refrigerator at the time of the accident.

Exclusions in electrical damage coverage

As with the vast majority of coverage in Home insurance, the electrical damage guarantee includes some exclusions where the insurer will not grant any type of reimbursement in the event of a claim.

Among the most common are:

  1. Age of appliances: generally, all electrical appliances and electronic appliances that are more than 10 years old will be excluded from the coverage. In the case of computer equipment, this time will be reduced to five years. The insurer will have, in most cases, an expert to determine if the breakdown was caused by electrical failure or due to the age of the device.
  2. Cover cap: not all insurance companies establish the same caps for compensation for electrical damage.
  3. Appliances with a valid warranty: in the event that the loss has caused damage to an appliance that is under warranty, the cost of repair or replacement will be borne by the manufacturer.

Electrical damage? Learn what to do

© iStock

If after a strong storm some of your devices are damaged and you don’t know what to do, we advise you to follow the following steps:

  1. Take a count of damaged electrical appliances.
  2. Make sure it is not a fault caused by the poor condition of an appliance or its age.
  3. Contact your insurance company to inform them of the situation. It may be that the company directly sends an expert or other professional to assess the nature of the damage.
  4. If the insurance company enforces the coverage, it will compensate you for the value of the devices or replace them with another model with similar characteristics.

Insurance fraud: a common practice

For some time now, insurance companies have been the victims of a fairly common type of fraud when it comes to claiming reimbursement for an appliance for electrical damage.

Unfortunately, many people apply to their respective insurers for repair or compensation for an appliance damaged by misuse, arguing a different cause such as a short circuit or a lightning strike.

This situation has given rise to the fact that each day insurance companies have more experts specialized in electrical damage to analyze each case and resolve whether it is a fraud or not.

However, and despite the fact that it is a preventive measure on the part of the companies, this only delays the reimbursement of damages from those who have acted honestly.

5 things home insurance doesn’t cover

Damages suffered by facilities in poor condition will not be covered in the event of an accident. © Pixabay

Have you taken out home insurance and do you think you are protected against any type of claim? You’re wrong! There are certain situations that will not be assumed by your policy in any case. Let’s review what they are and so you will not be surprised.

Hiring a policy that covers the possible claims that can be registered in a home is true peace of mind for any family.

Theft, flood damage, fire … the guarantees will depend on the type of home insurance you have contracted and how much you are paying for it.

However, there are certain situations that are not covered in any type of case. Indeed, these are quite specific exclusions that insurers apply to all their contracts.

It is very important that you know what these types of situations are in which the company will not assume the coverage, because in the event of a claim you will not be surprised and you will be prepared to assume the costs.

Claims caused by a smoker

© Pixabay

In no case will the insurer cover claims caused by badly extinguished cigarettes or cigars.

In the event of a fire outbreak, the insurer will not be liable either for the damages suffered by the objects that fall into the fire or for the damages that this could cause.

To avoid this type of accident, we advise you that if there are smokers in your home, they should be very careful when putting out their cigarettes and that they always use a special glass or crystal ashtray for these purposes.

It is also important that cigarettes are not extinguished and thrown on the ground, as the risk of suffering a fire increases considerably. Besides that, you will be helping the planet.

Damage from facilities in poor condition

© Pixabay

The insurance company will not be liable for any type of damage caused by facilities in poor condition or lack of maintenance ( electrical damage, water damage, etc.)

In this sense, each insured has the obligation to control and verify that both the electrical installations of their home and those of water, gas or others do not present problems or anomalies.

At the same time, all required reviews and certificates must be up to date.

Goods found abroad

© Pixabay

In the event of a theft or a claim caused by atmospheric phenomena, the insurance company will not be liable for the goods or furniture that is located outdoors, on terraces, gardens, or open rooms.

Given this, we advise you never to leave small or valuable objects outside, as well as trying to protect tables and chairs during winter periods.

Damage caused by rain or moderate-intensity winds

© Pixabay

Although insurers cover damages caused by natural phenomena that are related to high-intensity rains and winds that exceed a minimum speed, they will not respond when the intensity is moderate or does not reach these levels.

To enforce a policy, the claim must be proven with a weather report.

Jewelry theft

© Pixabay

If you have taken out home insurance and have declared a certain amount of jewelry indicating that they are in a safe, you should be very careful when using them and forget to put them in their place.

Indeed, the insurer will not be responsible or liable for the theft of your jewelry if it was found outside the safe declared at the time of contracting the policy.

To avoid this type of situation, we advise you that, after putting on your favorite earrings, you always put them back in their proper location.

Find out what your contract says

If you do not want to be upset when facing a claim that your insurer refuses to cover, we advise you to review and read each clause of the contract carefully before signing.

It should include all the specifications and those situations that will not be covered in case of damage.

Also, if you have any concerns or doubts, do not stop asking the question and insist until the situation has been clarified.

How to calculate the content of your home when buying your Home Insurance?

Taking inventory and pricing each item is a crucial process when calculating the contents of your home. © Pixabay

When buying Home Insurance, many people do not know how to value their belongings and panic when the company asks them for the value of the contents of the home.

To avoid any kind of surprise, we show you how to calculate the value of your goods in a simple and safe way.

When you subscribe a Home Insurance, the coverage can assume the damages that both the container and the contents of the home may suffer.

Today we will focus specifically on the content, that is, all those goods that are inside your home, going from furniture to food to keep in the fridge.

Remember that the content is made up of all those belongings that belong to the insured or the people who habitually inhabit your home.

To classify the different elements that make up the content in a simpler way, three large categories can be cited:

  1. Furniture
  2. Equipment
  3. Valuables and jewelry

Let’s review each category in detail.

Furniture

The furniture is made up of all the furniture and household appliances in the house. Among them we can find:

Tables, chairs, couches, beds, nightstands, shelves, bookcases, dressers, cabinets, kitchen cabinets, bathroom cabinets, desks, cribs, refrigerators, washing machines, dishwashers, microwaves, computers, printers, mixers, vacuum cleaners, dryers, televisions, stereos, etc.


Do not forget that only those elements that are inside the house or in spaces to which only the owner and its inhabitants have access will be included.

Appliances

The belongings are made up of all those elements that are inside your home and that do not correspond to the furniture or jewelry category. Among them we find:

Lamps, curtains, paintings, sheets, duvets, duvets, pillows, tapestries, mirrors, cutlery, glasses, glasses, kitchen utensils, garbage cans, decorative items, clothing, articles for personal use, food, etc.


Jewelry and valuables

This category is made up of all those objects that have a high or special value, such as:

Works of art, jewelry, famous paintings, gold or silver coins, antiques, philatelic collections, numismatic collections, fur coats, etc.
It is important that you know that each insurance company will set its own conditions regarding the classification of valuables.

There are some insurers that can protect objects such as firearms, musical instruments, ivory and leather, and even high-priced skateboards and bicycles.

All jewelry and objects of special value must be declared to the insurer, otherwise, it may not respond in the event of a claim.

For an object to be considered of special value, companies usually set an amount that is between 2,000 and 2,500 dollars.

Calculate content value

To do list
© Pixabay

In order to calculate the content of your home safely and easily, it is necessary that you follow a series of steps that we explain below.

List your assets

The simplest way to be able to carry out a complete inventory of your assets is to list the items by room (living room, bedrooms, kitchen, bathroom, dining room, etc.).

This way you will not forget anything and you will have everything well organized. At the same time, we advise you to write down the category to which each item belongs.

Give value to each of your goods

Although it may seem like a long and difficult job to carry out, this point will be decisive when calculating the content of your home to hire any of the types of Home Insurance.

The first thing you should do is separate each of the elements by category. This exercise will facilitate the calculations at the end of the process.

Then, we advise you to price each of the items that you have listed in your inventory according to their replacement value.

The replacement value corresponds to the price you would have to pay if you had to buy that object in the market.

If you don’t know the prices, you can go online to get an idea.

Make the sum of the three capitals

Once you have obtained the values ​​of each of your objects and that they are classified by categories, you only have to make the sum of the three capitals. That is to say:

Content = Total Furniture + Total Household goods + Total Valuables and jewelry

Apply the percentage of coverage for jewelry and special objects

Jewelry
© Pixabay

Jewelry and other valuables usually have a special treatment within insurance policies and can be insured up to a certain limit.

In most cases, this limit is set by the companies themselves and corresponds to a specific percentage of the total content.

Today, this percentage ranges between 10 and 25%.

This means, for example, that the automatic coverage of valuables and jewelery will correspond to only 20% of the total that you have calculated in stage 3.

Make an extension of your insurance

This stage is very important, since if the capital of your valuables and jewelery exceeds 20% of the Content, you will have to make an extension for the amount that remains to be covered.

Don’t forget the declaration of your valuables

At this point, you must declare to your insurer all those valuables or jewelry whose unit value exceeds 2,000 dollars, regardless of whether or not it exceeds 20% of the content you wish to insure.

At the same time, you must prove the ownership of these objects and their pre-existence by presenting the corresponding invoices, certificates of inheritance, affidavits or photographs.

What does civil liability cover in Home Insurance?

Civil liability can cover both the content and the container of the home. © Freepik

If you have Home insurance that includes liability coverage or if you are thinking of subscribing to a policy of this type then this guide is for you. In it, we will tell you what this guarantee is about, what damages it covers and the possible exclusions that it may present. Do not miss it!

Although having home insurance is not an obligation unless you have bought your house through a mortgage, the truth is that more and more decide to protect their property against possible claims.

In this sense, there are several types of Home insurance, where each one presents its characteristics and coverage. They range from the most complete, such as Multi-risk policies to the most basic, such as Civil Liability insurance.

Today we will talk about the latter, an extremely important coverage but not everyone knows what it is about. Let’s review its main aspects below:

What is liability coverage in Home Insurance?

The most important thing about civil liability coverage in Home insurance is that it covers the damages that you may cause to third parties, whether they are people or material things, in the area of ​​your private life.

For example:

  • Your kids play ball and break a neighbor’s window.
  • You live in an apartment and thanks to a water leak you have caused a leak on the floor below.
  • You’re doing home renovations and you’re blowing a hole in your neighbor’s roof.

There are many situations in which you can be responsible for the damage to other people and in these cases is where civil liability acts.

What does civil liability cover in Home insurance?

open tap
© Pixabay

The coverage of civil liability in Home insurance will depend on the formula you have chosen at the time of subscription.

As we mentioned before, when contracting this type of policy you can choose to insure only the continent or the container and the content.

Depending on the option you have chosen, the coverage will be the following:

Continent coverage

  1. Damage caused to other homes due to water problems on your property (broken pipes, water leaks, floods, etc.)
  2. Damages caused to a third party caused by any element of your home.
  3. Damage caused to third parties while carrying out work on your home.

Content coverage

  1. Damages that you may cause to third parties, both inside and outside your home.
  2. Some companies cover the damages that the employees of your house or even your pets may cause to third parties.
  3. There are also insurers that cover damages caused to third parties in the performance of your non-professional and sports activities.

Legal coverage

Regardless of the way you have decided to hire, the legal defense of the insured is usually included in all civil liability insurance.

This coverage is activated in the event that, after a claim, a third party makes a claim against you.

What are the exclusions of liability in Home insurance?

More than exclusions, liability coverage in Home insurance sets certain conditions that must be taken into account when requesting compensation for a claim.

Most insurers will not proceed with the coverage if the damages have occurred intentionally or if they have been the result of recklessness on the part of the insured.

Tips to Compare and Choose the Best Home Insurance

Organizing your ideas is a very important factor when comparing home insurance. © Freepik

Today, the home insurance market is increasingly broad and competitive. Given that, and to make a good choice, it is essential to compare the offers and evaluate the characteristics and advantages that each policy presents. Take a look at this guide and learn how to do it!

If you are about to leave your old apartment for a larger and more comfortable one or if you have just bought the house of your dreams, perhaps you have already prepared yourself for all the procedures that you will have to undertake to leave everything in order.

Contract signatures, on the one hand, formalities on the other. Register electricity, find an Internet plan, and change the address in front of the different banks.

However, you are forgetting a much more important task: your home insurance. But, how to compare all the offers and thus save when hiring a room policy?

Follow these practical tips:

Find out about the universe of Home insurance

Before making any important decision and in any area of ​​life it is necessary, first of all, to inform yourself in-depth about the subject under discussion.

For example, when buying your new house you had to define your needs, study the different forms of thermal insulation, heating.

You also had to find out about the city you chose to live in and if there were shops nearby or means of public transport.

In the case of a policy for your house, the same thing happens.

Without knowing your needs and without studying the different types of home insurance proposed by the market or the exclusions that they may present, it will be difficult for you to make a good choice.

So, let’s list the list of information that you should handle before starting to compare.

  1. Needs and characteristics of your home compared to an insurance policy.
  2. Types of home insurance that are marketed in the market (Damage Insurance, All Risk, Multi-risk Insurance ).
  3. Types of coverage of Home insurance (damage to the continent, damage to contents, civil liability in Home insurance).
  4. Special coverage ( electrical damage in Home insurance, flood coverage in room policies, etc.)
  5. Calculation of the content of your home.
  6. Exclusions in Home insurance.

While it is true, there are quite a few points to retain, do not forget that once you have informed yourself you will be prepared to be able to compare the different policies without doubts or hesitations.

Look for companies and types of policies that interest you

Once you have already informed yourself about the different topics that make up the hiring of Home insurance, it is time to look for the insurance companies and policies that may interest you.

At first, you will look for those alternatives that have caught your attention due to some particular factors.

We advise you to pay attention to the following points:

  • Trust you feel in the company.
  • Guy is sure proposed.
  • Premium price

Try to make this first search superficial and do not go into all the details of each chosen insurance. Do not forget that in a fourth stage you will be able to internalize more about each one of them.

Search the Internet, specialized sites, and any other medium that helps you obtain a broad and complete view of the offers offered by the market.

Do not abuse the number of options you choose. Having five Home insurances that correspond to two or three different insurers is more than enough to carry out an in-depth study.

Organize each of the options held

person comparing home insurance
© Freepik

Once you have already obtained your first results and you have chosen the policies and insurers that catch your attention, it is time to do a little manual work that will help you organize your ideas.

The idea is to create a comparison chart where all your options are organized.

Here is an example that you can use as a model:

Home Insurance Comparison
Insurance carrierPolicy typeCoverageExclusionsYearly feeObservations
 one.
 two.
 3.
 Four.
 5.

This table will help you to have a clearer idea when studying in depth each of the proposals.

Once you have created your table, you can discard those options that do not suit your needs.

Find out in-depth about each of them

In this, you should carefully read each of the policy contracts you have selected and (why not?) Contact the insurers to clarify any questions you may have.

The special conditions in Home insurance contracts are usually very different from each other and it is good that you have everything clear from the beginning.

Negotiate with the company

If you have already made a decision regarding the insurance you want to take out, it is time to contact the company and see what they offer you.

On many occasions, insurers can make interesting offers to their future clients. Don’t miss your chance to make a profit!

8 reasons to buy health insurance

The advantages of health insurance are multiple. © iStock

One of the most important and worrying issues for citizens is related to the health and opportunities of each individual to protect himself and his family.

In this sense, access to quality healthcare no longer has borders, and every day more people are looking for other alternatives to provide the best protection for their loved ones and obtain the well-being that public health does not offer them.

What is the current National Health Plan?

Today, the National Health System, which provides health care to anyone, covers more than 100 million people with all kinds of medical needs.

However, a fifth of the beneficiaries, that is, more than 30 million individuals, have chosen to take out private health insurance.

Which is the reason? It seems that while public spending is reduced, private spending is increasing. According to the Institute for the Development and Integration of Healthcare (Idis) “health insurance has gone from being a luxury good to becoming a necessity good.”

Indeed, in recent years, insurers have significantly increased their policy sales. In 2014 alone, for example, more than 300,000 new people took out insurance.

In this sense, and given the possible precariousness that the current public system presents, private health coverage seems to be the best option. But why?

8 advantages of purchasing health insurance

The advantages of health insurance are multiple. Indeed, if it is a question of obtaining specialized medical attention and being able to resort to other types of services without having to wait long periods of time, this would be the best solution.

Let’s review in detail why health policies are so convenient.

Speed

If compared to public health, having private health insurance, the time you have to wait to perform any type of examination or diagnosis drops considerably.

On average, with coverage of this type, the time between taking the test and obtaining the results does not exceed 8 days, while in public health you can easily wait between 30 and 40 days.

Choice of doctor

By contracting health insurance you can access the medical networks that insurance companies have. In this way, you can choose the professional or specialist according to your own needs.

Comfortable and improved hospitalization

By having health insurance, you can choose the hospital you want to be admitted to. In turn, using the coverage offered by a private policy, you can request a single room or even the company during the nights for a family member.

Flexible hours

By having private medical networks, health insurance gives you the possibility to choose the time that best suits you for your medical visit.
Availability is generally quite wide, so you no longer have to put off all your commitments because of your medical appointment.

Expedited emergency services

If one thing is clear, it is that emergency services in private establishments do not register the same influx of patients as public services.

Therefore, by having health coverage, you will obtain faster access to this type of service.

Specialized assistance

Contrary to what happens in the public service, by having health coverage you will no longer have to go to your family doctor to request an appointment with a specialist.

Also, health insurance offers on many occasions, special coverages will vary according to the needs of each client ( optical insurance, dental insurance, health insurance for women, etc.).

High technological standards in medical treatments

Generally, by having a health insurance contract you have the possibility of accessing highly innovative treatments.

In many cases, private care offers you other alternatives and therapeutic options that you will not easily find in public care.

Access to international coverage

It is important that you know that if you have private health coverage you will be able to access medical services almost anywhere in the world.

Currently, insurance companies have agreements in different countries, which favors medical care or some type of treatment when you are abroad.

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