We Italians and Europeans enjoy a health service that allows us to cover many injuries and illnesses. So why choose health insurance? Let’s find out together.
In fact, Urget care health insurance intervenes in the event of an illness or injury of the insured or his family, constituting a valid alternative to the national health system.
What exactly is it?
Health insurance is an optional insurance that allows you to take advantage of private medical services while avoiding a high expense. This form of insurance policy is very common in those countries where the public health service is absent or very inefficient (just think of the United States).
The worsening of public health infrastructures in Italy, together with the ever higher costs of tickets and ever longer waits, is leading more and more citizens to subscribe to health insurance, which allows them to access private healthcare, avoiding or amortizing in a way the high costs are substantial. The main purpose of health insurance is just that: to avoid large outlays for your health.
To whom it is recommended
Although in Italy medical costs are free by law, this is not really true: think of the exorbitant costs to treat your teeth, for example, or to be treated by a physiotherapist, ophthalmologist, cardiologist, etc. We add to this picture the ticket (more and more expensive and with less and less exempt), and the long (often very long) waiting times.
Health insurance, on the other hand, allows you to be treated privately by a professional, chosen by the patient, with a practically immediate service, and with the reimbursement, even total, of the costs.
For these reasons, insurance is recommended for everyone, especially for the less young, but beware: the policy generally has an age limit (between 65 and 80 years, but it depends on the insurance company).
What it covers
There are more varieties of health insurance, designed to best cover the specific needs of each of us, and possibly also extend them to our family members or employees. The most common policies are:
Indemnities : provide for a pre-established sum for each day of hospitalization and, if necessary, also for post-hospital convalescence. They also cover any casts from bone fractures and the missing gains resulting from being unable to work, due to hospitalization or convalescence.
Reimbursement : they provide for a total or partial reimbursement (depending on the policy chosen) of medical expenses incurred for an accident or illness. The insured can advance these expenses out of his own pocket and then be reimbursed by the company (in particularly urgent cases for example), or have the costs charged directly to the insurance company.
For permanent disability: with these policies you will be entitled to an economic compensation proportionate to your degree of disability (but only when the disability exceeds 26%).
In short, health insurance covers the costs of:
purchases of medicines during hospitalization;
diagnostic tests for an illness or injury.
What it does NOT cover
Health insurance does not cover:
corrections of physical defects;
non-therapeutic voluntary abortions;
particular diseases such as AIDS;
schizophrenia and other psychic pathologies;
injuries resulting from the abuse of alcohol, drugs, hallucinogens and psychotropic drugs.