Healthcare | types of healthcare

 

Healthcare;

                       

                  By contracting this guarantee, the insurer guarantees the payment of health care expenses incurred by the insured as a result of an accident.

              Generally, the insurance company pays the assistance costs during an agreed period, counting from the date of the accident, which is usually one year.  

            Within the health care guarantee, the following may be included: 

                                        

                       > Hospitalization expenses, that is, the cost of the insured's hospitalization in a clinical care center by medical prescription.

                   > Healing expenses, that is the benefit to the insured of medical treatment services.

                > Clinical care expenses, that is, a benefit to the insured of the necessary health and maintenance services during his internment in a medical assistance center.

               > Urgent transfer expenses, that is, the ones required by the insured immediately after the accident, to the clinical care in which the first cure is carried out, through ambulance, helicopter, or other means.

                > Travel expenses, that is, those that during the period treatment must be carried out by the insured in the means of transport determined by the doctors. 

                                              

                     >   Home care expenses, that is, those caused by home care prescribed by doctors and carried out by a specialized person, when the insured cannot take care of himself during the healing period and his hospitalization is not necessary.  

                > Acquisition and implantation costs of the first prosthesis orthopedic, dental, optical, or acoustic required by the insured by medical prescription.

                > Rental expenses of ancillary items, such as crutches, wheelchairs, and the like to be used by the insured by prescription during your healing period.

                         > Physical rehabilitation expenses that are physiotherapy and similar processes prescribed by doctors. 

                        > Pharmaceutical expenses, that are the cost of acquiring medicines prescribed optionally to the insured during the healing process.

                   The quantitative limits of this guarantee are set by the borrower insurance, although in this case, he does so by choosing between different possibilities offered by each insurer. Thus, entities usually present five or six combinations in which, on the one hand, the maximum limit of compensation per the claim is set for this guarantee for all concepts and, on the other hand, the daily maximum is limited for hospitalization expenses and clinical assistance.

                                             

                    Finally, it may be established that the injured insured person goes to doctors and clinics of their free choice or that they should receive assistance in the centers specifically indicated by the insurance company.

                  The compensation resulting from the health care guarantee is independent of the one that, where appropriate, may correspond to the guarantees of death and permanent or temporary disability.