The companies that offer this type of service are characterized by having an agreement with various organizations from all fields, to cover an area that is usually one of the primary headaches for companies. According to the law, every business must obligatorily offer the benefit of medical insurance, which covers a part of the totality of expenses in case of an accident.
Although companies usually make use of government-provided insurance, such as that of the Mexican Social Security Institute, many others choose to hire outside companies that offer primary medical expense insurance that provides more excellent coverage on treatment bonds and better service.
How does Health Insurance work?
The company that wishes to hire the service must pay a fee established by the service provider; the amount will depend on the type of insurance that you want to hire. It is a fixed price that allows the insurance company to pay the medical expenses when needing to make use of the protection.
Nowadays, everyone needs to have insurance, as the expenses involved in paying for treatment can be quite expensive. Although it was mentioned earlier that insurers have agreements with companies, the truth is that this medical service can also be purchased by an external or family member.
Advantages of Buying Health Insurance
They avoid a saturated health system
As a result of many opting for government insurance, they are often very saturated. Hence, surgery or major treatment usually takes a relatively long time to complete. For example, an operation can be scheduled two months after the consultation. This is not only serious for individuals who need medical care, but also for the company where you work.
Because insurance companies are connected to hospitals or private clinics, care is faster and more personal.
Access to the best hospitals
Since it is a private service that is contracted, the companies that offer the health insurance service are linked to the most prestigious hospitals in each region. This allows not only the use of the facilities but also the support of specialists and treatments not covered by social security, such as dental implants Tijuana.
Offers security at any time and anywhere
Many of the insurance companies tend to have a presence in various parts of the world, so if a person is abroad and suffers an accident, he or she can contact the insurance company for advice on which hospital to go to. On the other hand, care is available at any time. If the individual is far from the clinic where he or she is to receive medical care, the insurance company may cover transportation costs.
Disadvantages of Health Insurance
Hiring an insurance company requires a significant investment sum, mainly for companies with a large number of employees. Therefore, before utilizing this service, companies, and individuals must verify if it is feasible to have such support.
They not always cover all specialties.
Not all insurers offer all specialties, so it can be a significant disadvantage for those who require more treatment. On the other hand, there is no coverage for cosmetic procedures, such as a tummy tuck Tijuana. The cost of cosmetic surgery should be borne by the person, not the insurance company.
Having the external service of insurance companies can be of great benefit to people; this is due to all the advantages that are offered. Of course, the investment in this type of benefit will depend on the needs of each person and company.