Health Insurance: Is it worth it or not?

“Waiting time for urgent patients reached more than 12 hours in Amadora-Sintra”

in Observador

Every week there is news about waiting times in public hospitals. The 12 hour wait scares you, but the prices in private hospitals are too high for your budget?

Having health insurance can be the key to solving this problem. Still, as with everything, this product has advantages and disadvantages. Let’s get to know them better so you can make an informed decision!

Advantages of Health Insurance

When it comes to having to resort to health care, insurance gives you greater independence as it allows you to access private networks, making the process faster. If you choose to go to a private hospital, simply send the invoice to the insurance company and then you will be reimbursed according to your policy.

Furthermore, insurance allows you to carry out online doctor appointments, not needing to leave the comfort of your home.

Another advantage is the 24 hour/day support, where there will always be someone qualified to help.

Still with regard to benefits, there are insurances that offer home support or even discounts with some partners.

Disadvantages of Health Insurance

One of the main disadvantages of health insurance are grace periods . This means that you will only be able to use your insurance 3, 6 or 12 months after subscribing it.

Also, the possible deductible or additional payment could prove to be a problem when it comes to use your insurance.

Depending on the insurance you take out, are there congenital or pre-existing illnesses that may not be covered.

Finally, there is still another point: not all doctors/offices have partnerships with your insurance company.

In these cases, the contribution is drastically reduced. Despite everything, all these disadvantages can be avoided when you choose the right health insurance.

And if you're interested, you probably now want to know: How much does it cost to have health insurance?

Your health insurance cost will always depend on some things such as age and coverage.

However, based on our most contracted insurance policies, we can tell you that, for an adult aged 35-50, um seguro de saúde base poderá rondar os 32€ mensais.

Taking care of your health starts when choosing the right health insurance for you.

Contact us so we can, free of charge, analyze your situation and find the best policy for you!

Go Crédito

GO Crédito is a company specialized in credit intermediation, authorized and supervised by the Bank of Portugal. We provide credit intermediation and consultancy services quickly and effectively.