Health insurance: what reimburses and how much does it cost?

Health insurance offers extra protection if you are faced with unforeseen medical expenses due to illness or injury.

 Many medical services are free upon payment of a health ticket, according to the legislation of the National Health System; however, things can often be more complicated for those who turn to public health facilities: dental services, for example, cost a lot, just as the costs for consultations or visits to specialist doctors such as ophthalmologists and cardiologists, or with physiotherapists.

In addition to this, it must be considered that waiting times for an exam or a visit to a public facility are often very long, but if you need an urgent service you cannot wait. This is how many people are forced to turn to private structures, facing huge expenses. Here then is the real advantage of a health policy : having the certainty that, in emergency situations, you will be able to obtain reimbursement of medical expenses from the insurance company .

Health insurance: what it is and why it is needed

The health policy is therefore an optional insurance that allows you to take advantage of a private medical service avoiding onerous expenses. In countries like the United States, where there is no universal health coverage, most people have health insurance ; even in Italy, however, the policy for the reimbursement of medical expenses has become widespread among citizens who wish to have greater protection for their own health and that of their loved ones.

In fact, medical expenses insurance allows those who stipulate it to be able to take care of themselves in the private sector, but with extra help. For this reason it is recommended for everyone, especially for elderly people who can thus have the guarantee of immediate medical services, even if many insurance companies set an age limit for taking out a health policy .

Health insurance: costs and types

There are different types of health insurance : online it is possible to find information on the various ways in which coverage of private medical expenses can be obtained, so it is possible to get an idea of ​​the best health insurance according to your needs.

First of all, you need to know that medical expense insurance can also be extended to family members or employees, in the event that a company stipulates it as a benefit for personnel. These are the most common types of health insurance policies :

• Indemnity health insurance : usually the insured person receives a pre-established sum for each day of hospitalization and, if necessary, also for each day of post-hospital convalescence. Among the medical expenses reimbursed by the insurance, there may also be those relating to plaster casts due to bone fractures or to the economic damage linked to the fact of not having been able to work during the days of hospitalisation, a very important factor in particular for self-employed or free-lance workers professionals.
• Reimbursement health insurance : depending on the terms of the stipulated contract, this type of health policy reimburses the beneficiary, in full or in part, for the medical expenses incurred due to an accident or illness. The contract also establishes whether or not the insured must advance the sum to be paid in order to then obtain reimbursement, or whether it is the insurance company that pays everything immediately.
• Health insurance for permanent disability : in most cases this type of policy provides that, in the event of permanent disability exceeding a percentage indicated in the contract, the policyholder receives financial compensation proportional to the degree of disability.

To clarify all doubts and choose the best health insurance for your needs, you can rely on the advice of the Agency network.

Health Insurance: What It Doesn’t Cover

Usually an insurance company provides reimbursement for medical expenses in the case of hospitalizations, treatments, physiotherapy and rehabilitation operations, the purchase of medicines and diagnostic tests following an illness or an accident. Then there is a particular type of dental insurance that also covers dental care .

However, there are also cases in which the insurance does not cover medical expenses , here are the most common: aesthetic procedures, dietary treatments, voluntary non-therapeutic abortions, diseases such as AIDS, schizophrenia and other psychic pathologies, injuries or illnesses deriving from abuse of alcohol, drugs or psychotropic drugs.

For example, Groupama offers you the QuiSicura Salute solution , an insurance plan for both individuals and families, for which various discounts are available. With this type of policy, available in four formulas, namely Elite, Classica, Speciale and Forfait, with different characteristics, you can have: the possibility of building a customized health plan at acceptable costs, insurance with no limit on the reimbursement of expenses incurred in the event of hospitalisation, the possibility of resorting to clinics and doctors in the approved circuit without paying any money in advance, and many other specific services to choose from.

If, on the other hand, you are looking for something more complete that can also be combined with other types of coverage, then you can consider subscribing to My Protection , an innovative modular type of insurance that can be paid in installments.

Discover My Protection by Groupama, the insurance tailored for you

When looking for information to understand which is the best health insurance , various aspects must be taken into account such as, for example, the opportunity to extend it to all family members. Another important fact to consider is the possibility of integrating it with other coverages or combining it with other insurance modules to thus obtain a complete package to protect oneself and one’s loved ones.

If you want health insurance that is complete with every guarantee and that can be combined with other coverages, then My Protection by Groupama Assicurazioni is the right solution for you. This is an insurance that offers numerous advantages, as it is innovative, payable in installments, modular and multi-guarantee: in fact, in addition to the health package, you can choose coverage relating to other areas of interest, i.e. standard of living, home and assets.

Thanks to the configurator on our site, you just need to enter some information about yourself and your lifestyle to get a first quote for health insurance with My Protection, as well as a graph that will show you concretely which areas are in need that concern you and what the health insurance costs could be included in a package designed to guarantee you all-round protection.

What the health insurance included in My Protection covers

Each health insurance provides for the reimbursement of medical expenses in specific cases and the same is true for My Protection. Refunds can be total or partial depending on the terms specified in the contract.

Going into detail, here are the My Protection health policy modules that you can combine with those belonging to other areas of need:

• Reimbursement of medical expenses for major surgical operations : it is a guarantee that can prove to be fundamental in emergencies, when an operation must be performed and the long waiting times of public facilities cannot be expected. By choosing this form, it is possible to go to private health institutions and you will have coverage for major surgical operations up to a maximum of 500,000 euros and, moreover, it guarantees the reimbursement of medical expenses incurred before and after hospitalization.
• Reimbursement of medical expenses indemnity formula : this formula provides, in the event of surgery, an indemnity whose amount is “predefined” based on the type of surgery. It is possible to choose between two formulas (BASE and TOP) which differ in the amount of compensation
• Reimbursement of dental expenses : dental medical expenses insurance can be very useful, as dental care usually costs a lot. In this case, My Protection guarantees you various dental services and a flat-rate compensation if you turn to non-affiliated structures.
• Personal assistance : this sector includes services which guarantee a first aid service to the person following an accident, illness or in the event of childbirth. By assistance we mean, for example, the online doctor, the dispatch of an ambulance or a doctor on the spot, the retrieval of urgent medicines and many other services.

If you are thinking about Small business health insurance for you and your family.