Health insurance is an additional protection in the event that you face unexpected medical costs due to an illness or accident.
In Italy, many medical services are free against the payment of a health ticket, according to the National Health System regulations; however, things can often be more complicated for those who turn to public health facilities: dental services, for example, cost a lot, as can the cost of consulting or visits to specialist doctors such as ophthalmologists and cardiologists, or sessions with physiotherapists.
In addition to this, it must be considered that often the waiting times to take an exam or a visit to a public facility are very long, but if an urgent need is needed it cannot be expected. This is how many people are forced to turn to private facilities, facing huge expenses. With the physician disability insurance you can be perfect.
Here then is the real advantage of a health policy, having the security that, in emergency situations, you can get reimbursement of medical expenses from the insurance.
Health insurance: what it is and why it is needed
The health policy is therefore an optional insurance that allows you to take advantage of a private medical service avoiding costly expenses. In countries like the United States, where there is no universal health coverage, most people have health insurance, even in here, however, the policy for the reimbursement of medical expenses has spread among citizens who wish to have greater protection for their own health and that of their loved ones.
The insurance for medical expenses, in fact, allows those who stipulate it to be able to take care of themselves in the private sector, but with extra help. For this reason it is recommended for everyone, especially for those of advanced age who can thus be guaranteed an immediate medical service, even if many insurance companies set an age limit for the stipulation of the health policy.
Health insurance: costs and types
There are different types of health insurance:
The online you can find information on the various ways in which you can get coverage on private medical expenses, so you can get an idea about the best health insurance according to your needs.
First of all, you need to know that the insurance on medical expenses can also be extended to family members or employees, if it is a company that stipulates it as a benefit for the staff. These are the most common types of health policies:
Indemnity health insurance:
Usually the insured person receives a pre-established sum for each day of hospitalization and, if necessary, also for each day of post-hospital recovery. Among the medical expenses reimbursed by the insurance can also be provided for those relating to plaster casts due to bone fractures or to the economic damage linked to the fact of not being able to work during the days of hospitalization, a very important factor in particular for the self-employed or for the free professionals.