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Why private health insurance is the best?: We all know that life is unpredictable and that problems can arise out of nowhere, but unfortunately, there are not a few people who, for various reasons, ignore private health insurance today. Therefore, we set out to highlight, in the following lines, 10 advantages offered by private health insurance. Thus, it will be easier to understand why private health insurance is, regardless of age, a backup plan that each of us should have.
Why private health insurance is the best?
A private health insurance helps you save money. Medical tests, hospitalization and/or medical treatments entail costs that can destabilize any budget. Private insurance helps you save money and manage costly medical problems more easily.
A private health insurance helps you save time. Endless queues in front of offices or late appointments are a thing of the past. A private health policy provides easy access to medical services, helping you save valuable time.
A private health insurance does not involve high costs. Of course, the price varies depending on certain specific factors, but a basic package requires an average monthly investment of 50 lei. The price increases depending on the additional services added to the basic package.
Private health insurance is tax deductible. Both those offered by the employer and those concluded individually. According to the law, these policies can be deducted up to a cumulative level (employee and employer) of 800 euros per year (the equivalent in lei) for each person.
A private health insurance covers several risks. Generally, a private policy covers, in the case of a basic package, surgeries, medical investigations, hospitalization and consultations. Various additional services can be added to the basic package, providing greater coverage.
Private health insurances have greater territorial coverage. Such a policy provides access to several private clinics and state hospitals in any part of the country, not just in the city of residence. Private health insurance also guarantees access to clinics and hospitals abroad.
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Private health insurance has high addressability. Private policies offer the possibility to switch from one medical service provider to another, but also the possibility to be consulted by a doctor of your choice. In addition, the private policy guarantees access to a second medical opinion.
A private health insurance offers total transparency. Thus, the rapid exhaustion of funds for analyzes is no longer a problem, as it is in the state system. In addition, a private policy guarantees full visibility of the amounts allocated and settled for each medical service.
Private health insurance encourages healthy behavior. People who hold such a policy do not wait for a problem to appear, but constantly check their health. Such an active attitude means care and attention for one’s own person.
Private health insurance guarantees peace of mind. Private policies provide the sense of security that, in the event of an unforeseen event, you have the solution at hand. A private health insurance is the ace up your sleeve, which you can use when you need it most.
Conclusion
In conclusion, a private health insurance is, in the current context, a necessity. It is important to have a private health policy, it guarantees that when you face a health problem, the solution will always be at hand. Whether you’re in your first youth or second, whether you’re married or not, private health insurance tailored to your needs is crucial. Ask yourself not whether you can afford private health insurance, but whether you can afford not to have such a policy.
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Choosing private health insurance can be a difficult decision, given the fact that there are quite a few insurance companies that offer such policies, on the contrary. An insurance broker can help you compare the offers of several companies and thus find a flexible policy that can be customized according to you and your family’s needs. Don’t rush to buy the cheapest policy and, just as importantly, make sure you understand all the information in the contract you are about to sign.