Health Insurance Migration For New Citizens

What is considered serious illness in health insurance?

A serious disease is one that, due to its scope and symptoms, poses a serious risk to the health of the person who suffers from it. Until recently, this group of diseases were not covered by life insurance. This is a special type of catastrophic or chronic diseases, which are characterized, among others, by the high cost of medical or special treatment.

What does serious illness insurance cover?

Serious illness insurance is usually an addendum to life insurance. This means that it is possible to contract other coverages. This helps protect the family from the consequences of an illness. For example: The family can be protected in case the holder is absent for any reason or even for the disease that has been diagnosed.

What limitations and exclusions do these insurances have?

The exclusions (i.e. what is not covered) of serious illness insurance depends on the insurer you choose. However, normally, the following are not covered: Suicide attempt, regardless of whether or not the insured is in use of his mental faculties. Diseases, anomalies or congenital malformations. Pre-existing diseases to the contracting of the insurance.

1. What needs do I have to cover?

At the time of hiring private health insurance, we must be very clear that we need private health. For example, we may need health insurance to perform certain services such as rapid diagnostic tests. Or we can seek to have all services covered. Or also to be able to go to any specialist both in Spain and abroad. Here you can find a comparison with all the coverages offered by medical insurers.