Individuals

Health insurance

Extensive medical network and direct access to specialists.

Insurers
The leading ones
Medical network
Compared
Waiting periods
Negotiated

Price is the last thing to look at.

The difference between health policies lies not in the starting price but in the medical network, the waiting periods and what you pay per visit or procedure. We show you all three for each insurer and choose with you based on the doctors you want close by.

That is why we work backwards: which specialists your family sees, which hospital is nearby and how many times a year you see a doctor. With that, the right policy is usually obvious.

What the policy covers

  • Healthcare with no co-payments or reduced co-payments
  • Hospitalisation and surgery
  • Primary and specialist care
  • High-tech diagnostic tests
  • Emergencies and second medical opinion
  • Reimbursement option if you prefer
Empty MRI scanner room

When you need a test, not a waiting list.

The most common reason for taking out health insurance is not hospitalisation: it is the MRI scan that takes months or the specialist with no available appointments.

We compare how each insurer authorises diagnostic tests and how long it takes to do so.

Three ways to take out health insurance.

  • Healthcare with no co-payments or reduced co-payments
  • Reimbursement option if you prefer

With co-payment

Low premium, small payment per visit.

Designed for those who rarely see a doctor. You pay a small amount each time you use the insurance.

  • Lower monthly premium
  • Co-payments per consultation or test
  • An annual co-payment cap is advisable

No co-payment

Everything included in the premium.

The choice for families with children or anyone who uses their insurance often. You know what you pay each month.

  • Consultations and tests at no extra cost
  • Higher but predictable premium
  • Ideal with young children

Reimbursement

Freedom to choose your doctor.

You can see any doctor, whether or not they are in the insurer's network, and recover a percentage of the bill.

  • Free choice of specialist
  • Percentage reimbursement, subject to limits
  • Network access also included

Five terms worth understanding before you sign.

Waiting period
Time from enrolment until certain covers can be used, such as childbirth or some surgical procedures.
Co-payment
A small amount you pay each time you use a service.
Medical network
List of doctors, clinics and hospitals contracted by the insurer.
Pre-existing condition
An illness or injury that existed before the policy was taken out. It must be declared in the health questionnaire.
Reimbursement
Option that refunds part of what you pay to doctors outside the network.

Frequently asked questions

What are waiting periods?

The time that must pass from enrolment before certain covers can be used. They vary widely between insurers and, in some cases, can be waived if you are switching from another policy.

Can I keep my current doctor?

Yes, if your doctor works with one of the insurers. It is the first thing we check: the specific medical network, not the brochure.

Is it worth it when there is public healthcare?

It depends on how you plan to use it. The deciding factor is usually the waiting time for tests and specialists, and we quantify that for you.

Tell us which doctors you want close by.

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