Private? Company?: We have private health insurance for you
Http://www.sanitassalud.com page, you can find details and information about each private health insurance offered by our product catalog and a list of additional services can be contracted when you need it. For individuals, sole traders and small and medium enterprises, are the group that offers better conditions in each case. We advise and help you in everything you need when deciding which insurance is best for you.

Pioneers in the world of private health insurance
Pioneers in the industry, working for over 50 years in the comprehensive health care is today the private health insurance that offers, among others, the best services in assisted reproduction, for which we provide medical and health professionals more experience in artificial insemination, in vitro fertilization or sperm and oocyte donation. If you are interested in this or any other of our policies, please call 914699099 informing you of all the details.

On this concern for millions of people, the private health insurance is the only branch of the insurance industry that has grown throughout the years of crisis, even a little. In 2011 saw premium income increase by 3.06% to 6.589 million. It is true that by 2007 growing at rates close to 10%, but as is the courtyard, grow little and is winning a lot.

But why health insurance is resisting the crisis? Experience shows that subscribers of such insurance, if not in a very difficult economic situation-not do without them, among other reasons, the picture opens on public assistance, with the problems of waiting lists and difficulties, for example, to get an appointment quickly enough. Is benefiting the private world of the collective suffering asphyxiation?

It is a very plausible option, although some experts still needs a little more time to be answered flatly. “Later this year we will see how those cuts materialize. So it is still early to say that there has been such a transfer from public to private “forward Fernando Azpeitia, consultant of International Financial Analysts (IFA).

Theotimus Saez, general secretary of Adeslas, comments that are not benefiting from the policy of reducing public health. Among other reasons because “the health segment is very sensitive to overall economic situation. In practice, the crisis makes it sell fewer policies. “

However, the breeding ground is already being created in some regions for a change this dynamic. In Catalonia, the health budget has fallen by 7% between 2010 and 2011, and this exercise will be more cuts, expected in AFI. With this backdrop, Jaime Ortiz, Asisa commercial director, he does believe that the “rationalization of resources” will influence the health insurance, yet, too early to evaluate it.

More direct in his analysis is the look of Cristina del Ama, director of Allianz Life and Health Insurance. “This is an opportunity for private insurance, which offer added value to customers through a high quality performance and features that also provide highly valued by the insured, such as reducing waiting times, free choice specialist, single room in case of hospitalization … “.

Meanwhile, Susana Moreno, director of the health division of Groupama, believes that it is difficult to quantify the impact on health measures approved in the increase in turnover of private insurance premiums. “But we have seen increased interest in this product in distribution channels, such as mediators, which until now the industry was not a priority”.

They also gain weight in other areas. Antonio Jimenez, head of Axa Health, indicates that more and more important “payments in kind” to the worker, and in this sense “health insurance is recognized as the most attractive.” And adds: “We are seeing that companies and individuals asking us for more information on this product.”

Of course, if things take their natural order, “private healthcare should be complementary to the public, not replace,” Iñaki points Ereño, CEO of Sanitas. However, there seems to be thus in many cases. The hospital policy of the Community of Madrid, without going any further, so evidence. Therefore, it should present the details and analyze how the crisis is subverting the natural order.

In the field have always considered that the public and private sectors are required to understand, especially in the current scenario of social expenditure restraint. Javier Murillo, president of Adeslas, explained that the Administration could use the health insurance as a tool to “improve the efficiency of the entire health system, for example, giving tax breaks to the recruitment of both health insurance companies and individuals or groups directly assurance of citizens. “

Therefore, “true,” deepens one analyst, “that the current economic climate may become more attractive hiring private health insurance.” So much so that some companies pass through a unique duality. “There are two forces pulling in opposite directions. On the one hand we have the largest number of contract cancellations in our history. On the other there is enormous interest by families, freelancers, companies and even couples who doubted before whether to enter into this insurance and now, facing the uncertainty of public health, given the pace. Using the mean, this move gives us stability, “he reflects Josep Santacreu, CEO of DKV.

This double vision is shared by most experts. “Until five years ago, 50% of clients were single and half groups. Now, the former are 35% and the latter representing 65%, “reels off Javier Oliveros, director of private commercial direct insurance Mapfre. In turn, Iñaki Ereño, Sanitas, related that they fine-tuned their products at a stage of crisis and renewed commercial offer.

However, as in other economic sectors, health insurance are not immune to the economic outlook. The individual segment has seen margins have been reduced premiums and increased competition, while in group insurance, despite being the fastest growing niche, as we have seen, the average premium has fallen due to increased competition between operators, the bargaining power of customers and the difficulties faced by many companies.

Like in other sectors-such as the present-insurer competition is very strong and “there,” says Antonio Jimenez, Axa, “an excessive strain on the price.” In addition, affect Adeslas, “health insurance is a major problem of customer loyalty, and doubling public health provision.”

Of course, like any financial instrument is a priority to exercise caution when hiring. There are insurance companies that “are offering contracts with restricted days, for example, intensive care unit (ICU) and when to refer patients than a public school before the end of recovery,” says Antonio Jimenez. And sentence: “In health, the fine print appears when you’re in the hospital.”

- One of the first advantage is that the health insurer has an extensive medical staff comprising medical facilities and specialists who are part of the private healthcare network in Spain, which is of quality.

- Continuing with the advantages, in principle, there are no waiting lists, and therefore we can not see a specialist within a reasonable time, asking for time for the visit and receiving authorization from the health insurance company. The operation depends on each company.

- Finally, some of the most valued benefits could be more personalized care, and even the availability, if possible, a single room in case of hospitalization.

Benefits of health insurance
lso may be included as benefits some of the proposals that we make the insurance companies when advertising their health insurance. For example more innovative coverage, flexibility to handle medical tests, treatment abroad (depending on the health insurance product), medical emergency, medical advice by phone, among other proposals. Hence we have to revise While health insurance products and insurance companies, since not all health insurance are the same. In short, these are some advantages, too generic, but personally I found interesting to evaluate. In any case, when comparing health insurance each one must decide based on your criteria, hence the importance of a comparative health insurance , to analyze the health insurance fund. A comparison from the conditions including Initial Health, through the health sevicios think you’re going to need, knowing the experience and expertise of the insurer, even if they can cut red tape or permits through the Internet. Do you know more benefits of health insurance?

Types of Policies
The most common policies are the complete health care, which the company gives you a book and / or Web page where you have all the doctors from which you can choose to receive medical care. There are other modalities, such as reimbursement expenses, which you can choose the doctor you want, all over the world, and the company reimburses you an agreed percentage of the cost, depending on the type of policy and other factors. Each company has its own offer. If you know what you want (you meet at a particular hospital or to access a range of services during pregnancy) the customer service of the company you choose can help you choose the most appropriate policy. Maybe you have the option to obtain coverage through private insurance through the company you work for. There are many companies in Spain now offer cheaper policies for their employees, make agreements with insurance companies. Other companies may even offer these private health insurance for free, as a complement to the worker.

Pregnancy and private health care insurance
An important point to keep in mind when purchasing a private health care insurance is what is called the “grace period” established for pregnancy. That is, there is a period (ranging between 9 and 10 months) in which the insurance will not cover expenses for prenatal care or delivery of your pregnancy. Some companies offer you the possibility to pay a “surcharge” or an amount of money to make sure if you are pregnant. Some important questions to find medical coverage with which You will have during your pregnancy and childbirth are: • Are they covered all my trials pregnancy or do I have to pay some percentage? • How I can go to the experts choice without having to go through the family doctor ? • How long I can stay in the clinic / hospital after a normal delivery and how long after a cesarean section or other complications? • Are covered prenatal classes and other education services delivery? • Is there a grace period to include in the insurance to my newborn son?

Care for your baby
Many insurance companies require you to inform them of the birth of your child, nothing happens, you can begin to cover their medical expenses. This is important because, should there be any complications, you will not want you to pass the bill. As you may have postpartum many things to think about, you can entrust the management to your partner or a relative to make sure you do not forget. Currently most companies estimate the contributions of new policyholders with respect to some sections old (depending on how old you are, or have your baby, pay an amount or otherwise). It’s not so common pay fees according to the members that are added to the family unit. During the first years of your baby’s pediatrician will see it regularly and also need a series of vaccines. Asked if there are policies that cover a share of the cost of medicine. Although the regular vaccine covers social security, there are others (such as the pneumococcus) that are not yet covered in all communities.

The law of equality and health insurance
In March 2007, Spain adopted the Equality Act. This law specified in Articles 70 and 71 a number of conditions that affect health insurance. For example, from December 2008 may be differences in premiums and benefits of health insurance because you’re pregnant. Insurance companies may not charge different prices in premiums to men and women, unless this is warranted by data such as accidents and so on. showing that there is a difference. Therefore, it is possible that in the coming months there are some general changes in the way that provides private health coverage to pregnant women by private health insurance. These changes will be reflected in future updates of this page.

And this is one of the objectives, the Health Insurance Blog in which from a health insurance comparison in a personal way content has been made ​​in trying to explain the need making a comparison to know well the definitions, conditions, and health insurance services. In this sense, they have developed a list of 10 criteria to follow to compare health insurance, since the conditions of the insured to use the Internet as communication channel the health insurer. And today, with the current state of public health, maybe it’s a good time to begin to consider hiring a health insurance that covers basic health care needs within the medical staff, such as consultations, general medicine, medical tests and treatment methods, and to check the possibility that also includes surgery, hospitalization, and even dental coverage.

In this case, if the company does not include dental coverage you may be interested also a dental insurance to cover dental health needs. addition, we may think of other coverages that may be needed for health care expenses such as pharmacy, overseas coverage, coverage for accidents, to name a few.

You may also want to ask about the possibility of reimbursement coverage, if the doctor of all life is not included in the medical chart of the health insurer. The province is important, so if we sanitas barcelona could try to find some Sanitas office for information. All these needs can be included in the comparative health insurance to try to look for, and why not, find the best insurance doctor.

- When choosing a private health insurance must take into account the type of policy : it may be a medical staff (when we can choose from a list of doctors), reimbursement of expenses (when we can go to the doctor you want and We reimburse a percentage of expenditures), mixed (there is no cost medical staff and the rest, we pay a percentage of the invoice) or capitation (when we offer a doctor by specialty.) – Making sure the experience and the degree of specialization of the company of insurance that we intend to purchase years of experience, number of doctors and clinics available, etc..) – Check other services that could benefit the private health insurance such as gymnasiums. – Check reputation of centers hospital that offers the policy. – The rate of the policy of insurance should depend on the age and sex of the insured. – Check that the policies do not include penalties for use. – Level of solvency of the company safe . – To measure the extent service and treatment of all staff as well as ease of telephone contact. Use our Comparison of Insurance to discuss the options market.

One of the first advantage is that the health insurer has an extensive medical staff comprising medical facilities and specialists who are part of the private healthcare network in Spain, which is of quality.

Continuing with the advantages, in principle, there are no waiting lists, and therefore we can not see a specialist within a reasonable time, asking for time for the visit and receiving authorization from the health insurance company. The operation depends on each company.
Finally, some of the most valued benefits could be more personalized care, and even the availability, if possible, a single room in case of hospitalization.

Benefits of health insurance
also may be included as benefits some of the proposals that we make the insurance companies when advertising their health insurance. For example more innovative coverage, flexibility to handle medical tests, treatment abroad (depending on the health insurance product), medical emergency, medical advice by phone, among other proposals. Hence we have to revise While health insurance products and insurance companies, since not all health insurance are the same. In short, these are some advantages, too generic, but personally I found interesting to evaluate.

In any case, when comparing health insurance each one must decide based on your criteria, hence the importance of a comparative health insurance, to analyze the health insurance fund. A comparison from the conditions including Initial Health, through the health sevicios think you’re going to need, knowing the experience and expertise of the insurer, even if they can cut red tape or permits through the Internet. Do you know more benefits of health insurance?

Other general characteristics of these insurers is that, before hiring health insurance, you need to sign what is known as a “health claim”. This serves to confirm that the insured does not suffer from any future disease, has not undergone any prior surgery, or that you are pregnant or think you can be.

Insurers use these health claims to make a client’s risk profile, and sometimes the company can impose restrictions, increase premiums to pay, and even wind up alienating the insured if considered at risk too. It is critical that the insured declare everything they request without lying, or will be involved in a crime of fraud, which can lead to imprisonment and fines of thousands of euros.

There are also so-called “con testability periods” is, a time trial may be considered for the insured. During this period, the insurer retains the right to void any coverage, or even the policy itself, should consider that there are obvious reasons of attempted fraud by the policyholder.

With the current state of public health: cuts, breakdowns in public health centers and long waiting lists, any measure that helps to encourage the hiring of a private health insurance, and clear and public health. This action by the IDIS mean significant savings and improve national health resources.

Today more than seven million people have private health insurance. The vast majority only use the insured private healthcare, which allows a lower pressure of public health. IDIS also estimated that approximately one million people would hire private health insurance if they could qualify for this tax incentive of 15 percent.

Private healthcare offers several benefits, among them speed, quality and flexibility. By private health users can access the private medical services immediately.Through iSegurosdeSalud offer you the chance to recruit your health insurance Medifiatc, with maximum benefits and private health facilities.

Discrimination in employment medical benefits

As mentioned earlier, most employers are not required to provide their employees health, dental, disability, or life, but once those benefits are offered, the law requires the employer to adhere to the laws federal anti-discrimination in employment. As in other areas of employment – such as the promotion and termination – the distinctions in coverage of health benefits can not be made based on gender, race, age, national origin, religion or disability of an employee / dependents. For example, an employer that provides health insurance to their employees may not, among other things, do the following:

Provide less coverage, or stop offering coverage for older workers or pregnant workers.

Treat maternity leave (including unsuccessful pregnancy, abortion, or recovery after childbirth) differently from other health conditions.
Refuse to provide coverage based on current disability any dependents, a perceived disability, or genetic information.
The ERISA and enforcement of the rights to health insurance

Once an employer decides to offer health-related benefits, the plan must operate according to certain standards designed to protect the interests of employees and other plan beneficiaries (such as family members) under a federal law known as Decree of the Employee Income Security in Retirement (ERISA). Under ERISA, employers are required to follow certain guidelines in relation to health insurance plans, including the following:

Notifying employees (called plan participants) on eligibility standards, the procedures for making claims, rights of the participants, and related changes to the plan.
Manage and investigate funding plan based on what is best for the interests of plan participants.
Go here to learn more about ERISA.

Legal Aid: Medical benefits and employee rights
Although most employers are not required by law to offer medical benefits to employees when they are provided, an employer must comply with various anti-discrimination laws and regulations of the health plan. If you are an employee and have questions about your rights regarding any health plan, or if you think your employer may be violating the regulations in connection with the health plan, contact an attorney experienced in labor law to discuss the situation and your legal options.