Health should be our priority and
we should not limit investments we make for it. Today, we can all be exposed to
serious diseases, regardless of our economic status; therefore, it is advisable
to have a major medical insurance, which works as a preventive financial tool,
allowing us to save a lot of money on hospitals, doctors, treatments and
medications, to an accident or illness.
Figures from the Mexican
Association of Insurance Institutions (AMIS) in Mexico indicate that only 7% of
the population has health insurance, ie 8.5 million Mexicans; which is a low
penetration when compared with the growth of population diseases.
This low rate of insurance in the
health sector is mainly due to the lack of a culture of prevention; Likewise,
people do not know the great benefits that offer such policies.
Therefore, on this occasion, I
would like to clarify some erroneous thoughts that exist on the major medical
insurance:
1. I will never use
In Mexico we are more corrective
than preventive, but we must not forget that accidents and diseases make no
distinction of age, gender or socioeconomic status; It is much better to be
insured and not use it, not have it when it comes to need.
2. It is an extra expense that
cannot pay
The major medical insurance
covers the fee generated by any illness and / or accident, hospitalization,
medications, treatments, studies, consultations, ambulances, etc. If we compare
these costs with the cost of such insurance, it is much more convenient to be
assured that not be.
3. Until I got sick the contract
Insurance major medical expenses
not covered by preexisting, ie if after a diagnosis of a serious illness, it
was decided this insurance, the insurance will cover any other disease, except
that which was diagnosed in a pre-hire; Additionally, insurers seeking a
waiting period for coverage valid in the case of some diseases.
4. I have no money to pay and
wait for reimbursement
There is a perception that the
insured must pay the amount you have generated illness or accident and then seek
reimbursement from the insurance; however, the reality is that insurance
companies made payments directly and the insured must pay only the deductible
and coinsurance, if these concepts are set out in the policy.
According to expert estimates, in
Mexico of 10,000 policyholders, 11 people a year come to suffer an accident
involving expenditures of more than a million pesos, while 1 in 10 suffers an
accident or illness with an average spending 50,000 pesos.
Reflecting on this we must ask
ourselves how much we value our health?
Without health, we have
practically nothing; so do not hesitate to investigate and contribute with
different insurers such insurance, so you can choose the policy that best suits
your needs.