Through its social networks, the National Commission for the Protection and Defense of Users of Financial Services (Condusef), shared a series of recommendations so that people who hire a health insurance service can safely choose this expense.
“#RevisaComparaDecide before taking out #Insurance. There are many options on the market, choose the one that best suits your needs and ability to pay. Go #ALaSeguraConUnSeguro”, shared the Commission.
Using a Medical Expense Simulation system, the Condusef allows users to quote the expenses that one of these services could generate, making a comparison in the cost and benefits of hiring himthat is why we will share some of the recommendations presented by the agency.
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Do not go with the first option! This is what the Commission says, which is why you should read this guide to find out more about these services:
- Before taking out insurance, review, compare and decide which is the best option for you
- Lean on online simulators and calculators, to compare the costs of the different insurances offered by the different financial institutions
For example, you can use the Condusef Major Medical Services Simulatorwhere you can find the following information:
In the event that you or any member of your family became ill or was the victim of an accidentit is important to have some medical expense insurance in which you incur and are already a consequence of these events applying the conditions established in the contract, these medical expenses that cover these services have a limit on the amount of coverage established in the policy.
“This type of insurance contemplates medical expenses that are covered as BASIC, however, there could be small variations in what each specific item includes depending on the institution in question. Know the description of each one by clicking on the corresponding title in the BASIC COVERAGE section”, shared the Condusef.
However, there is another service that can be included through additional coverageswhich may involve an additional cost, which can be a differentiator between one institution and another, which we will help you understand.
What is included in the Basic Coverage?
- Medicines
- braces
- Treatments
- Medical fees
- Hospital Expenses
- nursing fees
- Diagnostic aids
What is included in the Additional Coverage?
- Extension of coverage due to death of the holder
- emergency abroad
- congenital conditions
- dental treatments
- maternity aid
- Catastrophic illness abroad
“To determine the cost of the insurance, it is necessary to know the age and sex of the family members, as well as the deductible and coinsurance”, as indicated by the Condusef Simulator.
Subsequently, the microsite will ask you to choose a deductible amountwhich is a fixed amount that you will cover when have an illness or accidentit is not refundable, this is only an estimate, but they point out that insurers have more options.
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Likewise, it adds that coinsurance is fundamental, which is a percentage that is applied to the total amount of the expenses in which incurred as a result of an accident or illnessonce the deductible has been discounted.
Then it will tell you what type of insurance you need, in addition to displaying a table where you can find the insurers that have a service like the one you are looking for. For people interested in getting an idea of the cost of Medical Insurance, they can enter https://phpapps.condusef.gob.mx/condusef_gastosmedicosGMM/index.phpwhere you can access the Simulator and learn more about this service.
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