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What to know to choose the best health insurance

What is the best health insurance for you? The answer may seem simple, but the truth is that the most suitable insurance for each person is the one that can meet their needs at a given time.

If you have small children, you will necessarily have to have different health insurance than someone who doesn’t. If you are young and have just started working, your health insurance will probably not be exactly the same as your parents’.

How to choose?

First of all, it is important to understand that health insurance is different from a health plan, which allows you to select only the option that suits you best.

A health plan works like a discount card, which allows you to access health care at lower prices within the agreed network of providers.

Health insurance, on the other hand, is more comprehensive and guarantees full or partial payment of medical expenses, through coverage and capital limits.

So, and if we limit ourselves to looking only at health insurance, making the best decision depends, first of all, on knowing what you need.

That is, before choosing, think about the reasons why you are going to hire this insurance.

Are you only using it for routine appointments and exams or do you have a medical condition that requires more follow-up? The idea is that your children can have access to medical care in the private network? Or are you approaching retirement age and want to make sure you stay healthy as the years go by?

The best health insurance? It’s what’s best for you

So, before choosing your health insurance, it is important to understand how this product works. Coverages, exclusions and payment methods are more important criteria than price.

If, for example, you have children, insurance with stomatology is essential, because you will certainly need more than routine consultations. If you are thinking of becoming pregnant, it is important to understand that medical tests and procedures are included in your insurance.

After all, the best health insurance is what gives you the right level of protection for your current situation. And that, in addition, can be “improved” if you need more protection. Obviously the price should reflect these differences. That is, you shouldn’t pay for coverage you don’t need.

O SafeCare Saúde, by Santander, offers you 3 options, with different levels of protection, so you can choose the most suitable for you and your family.

How does health insurance with multiple levels of protection work?

Let’s look at some examples of how health insurance can adapt to each situation.

Joana is 27 years old, has no children, but wants health insurance to guarantee routine consultations and exams and, if necessary, also cover hospital stays. As she studies and works, she would like to be able to occasionally use online consultations. A more basic level, such as SafeCare Saúde 1, would suffice, as it guarantees access to the private network of health services, including stomatology, with a daily allowance for admission to a private hospital.

His brother, Pedro, is married and has a three-year-old son. As the woman already has a company health insurance, the best option will also be SafeCare Saúde, but with a level of protection of 2. Thus, father and son benefit from health care with access to the medical network and, if they wish, from stomatology. And with an added advantage: the coverage is valid abroad. So they can go on vacation with peace of mind. Pedro and his wife are also thinking about having a second child. With SafeCare Saúde 2, they also benefit from childbirth coverage – hospital stay.

maximum protection

Diogo and Isabel have two teenage children and want to guarantee a higher level of protection for the whole family. SafeCare Health 3, which includes inpatient and outpatient coverage with higher threshold values, International Serious Illness coverage and the option of dental coverage with prostheses and orthoses, is the best option for this family.

This is also the option of Marta, João’s mother, who travels frequently to visit her father, who lives abroad. Teresa, Marta’s mother, is about to turn 65 and thought it would be difficult to take out health insurance, but chose SafeCare (protection level 1) and has the additional advantage of being able to opt for health insurance coverage. hospital admission.

Other advantages

There are also other factors to consider when choosing the best health insurance. One of them is the possibility of choice. There’s no point in having health insurance with a limited network of providers, which doesn’t give you much choice. Thus, having insurance such as SafeCare Saúde, with more than 37,000 providers at agreed prices, will certainly be a better option.

Another factor to consider is how long you have to wait to be able to use your health insurance. In cases where there is a grace period, if you wish, you can have access to the medical network, with agreed values, even before the grace period ends. Afterwards, access is made with co-payments.

You can also benefit from discounts if your health insurance has two or more insured persons.

To make everything even simpler, just install the SafeCare Health App on your mobile phone or tablet and register. This way you will have access to a digital card to use whenever you need it.

In addition, the SafeCare Health App allows you to have a team of specialist doctors at your disposal. Through calls or video consultations, you can screen for symptoms and avoid going to the emergency room. You can also send test results for the doctor’s evaluation and receive the prescription by SMS or email. The app is also very useful when you travel, as, if you don’t feel well, you can talk to a Portuguese doctor and explain your symptoms.

Choosing the best health insurance is not, after all, difficult. Just think about what’s best for you.

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