Yana da matukar muhimmanci a sami inshorar lafiya mai zaman kansa. Lissafin jira da sauran matsaloli masu tsanani a cikin lafiyar jama'a sun sa mutane da yawa yin aiki Inshorar likita don samun kyakkyawan madadin kula da lafiyar ku. A gaskiya ma, a cikin 'yan shekarun nan irin wannan tsarin ya sami ci gaba mai girma.
Bugu da ƙari, akasin imanin mutane, suna da aminci arha kuma tare da manyan toppings. Daga cikin waɗannan, tuntuɓar kwararru, gwaje-gwajen likitanci har ma da asibiti ko aikin tiyata. Kuma, game da farashin, zaku iya zaɓar zaɓi na biya. Ta wannan hanyar, za ku biya ƙaramin adadin lokacin da kuke amfani da manufofin ku kuma sauran mai insurer zai ɗauki nauyin. Domin ku zaɓi naku, za mu nuna muku wasu manyan kamfanoni waɗanda ke bayarwa arha inshorar lafiya.
1. Inshorar DKV
Wannan kamfani inshora na asalin Jamus ya fara aiki a Spain bayan ya sami duk hannun jari na baya, wanda ya riga ya kasance daya daga cikin mafi fice a kasuwa. Taimakon nasu ya haɗa da cibiyoyin kiwon lafiya fiye da dubu a duk faɗin ƙasar, gami da mashahuri Quiron Clinics, wanda, lalle ne, kun ji.
Bugu da kari, zaku iya zaɓar tsakanin nau'ikan inshorar lafiya daban-daban waɗanda suka dace da yanayin kowane mutum. Misali, suna da a manyan manufofin ga tsofaffi ko inshora ga mata masu ciki. Hakanan, tare da labaran gargajiya waɗanda muka ambata a sama, sun haɗa da wasu sababbi kamar psychotherapy, kula da kiba da podiatry.
2. Mapfre
An haife shi a cikin 1933, Mapfre, waɗanda su ne baƙaƙen Ƙungiyar Mutual ta Ƙungiyar Masu Rustic Properties na Spain, yana da sana'a don tabbatar da lafiya tun daga farko. Domin manufarsu ta farko ita ce ta shafi ma’aikatan noma. Koyaya, a halin yanzu yana ba da kowane nau'in inshora kuma ya girma ya kasance a cikin wasu ƙasashe da yawa a ciki Turai e Latin Amurka.
Kamar yadda yake tare da wasu nau'ikan manufofi, MAPFRE yana ba ku damar hayar a inshorar lafiya akan buƙata. Wato, zabar ɗaukar hoto da kuke so. Kuna iya zaɓar mafi mahimmanci ko cikakke ba tare da biyan kuɗi ba. Amma kuma, a tsakiyar duka biyun, wanda ya haɗa da biyan kuɗi tare da ƙarin asibiti. Koyaya, inshorar likita na MAPFRE yana ba ku damar samun taimako a duk faɗin duniya kuma ya haɗa da ƙarin sabis. Misali, maganin ban sha'awa o nazarin kwayoyin halitta don hana cututtuka.
3. Axa, wani shugaba a inshorar lafiya
Wannan rukunin inshora na asalin Faransanci kuma yana da ingantaccen inshorar likita. Ya fara aiki da wannan suna a cikin 1985 bayan wasu kamfanoni kamar Mutuelles Unies da Groupe Drouot suka hade. Manufofin su suna ba ku dama daban-daban. Misali, kuna da inshora mafi kyau duka matasa, da Mafi kyawun Iyali da kuma mafi kyau duka da, na karshen tare da mafi m sabis.
Daga cikin ƙarfinsa, gaskiyar cewa yana ba ku rubutaccen ɗaukar hoto na rayuwa. Har ila yau, ya kamata a ambata shirye-shiryen rigakafi a kan ciwon nono ko glaucoma, da kuma ƙwararrun ƙungiyar likitocin da ke da ƙwararru sama da dubu arba'in da huɗu. Hakanan, zaku iya yin kwangilar manufofin su tare da ko ba tare da biyan kuɗi ba kuma ku aiwatar da yawancin hanyoyin ta hanyar lantarki. Misali, nemi tambayoyi ko maidawa.
4. SegurCaixa Adeslas
Wannan kamfani ya samo asali ne a cikin 2010s tare da isowar rukunin Agbar, wanda ya haɗu da kamfanonin inshora da yawa. Daga baya, zai shiga ƙungiyar jin daɗin zaman jama'a ta Faransa Malakoff Méderic, wanda tuni a cikin XNUMX, ya samu ta sharudda, wanda ya kara da inshora na La Caixa. Godiya ga duk wannan, ya zama ɗaya daga cikin manyan kamfanonin kiwon lafiya a Spain.
Inshorar lafiyar ta tana ba ku dama ga wasu ƙwararrun ƙwararrun dubu arba'in da biyar da suka bazu sama da asibitoci dubu ɗaya da ɗari uku a cikin ƙasar. Hakazalika, suna ba ku dama da dama yayin ɗaukar su. Misali, kuna da Adeslas Go, wanda ya fi asali, ko kuma Adeslas Full, wanda har ma yana da cikakken ɗaukar hoto na haƙoran ku.
Tsakanin manufofin ɗaya da wata akwai zaɓuɓɓuka daban-daban tare da kuma ba tare da biyan kuɗi ba, amma hakan yana ba ku damar samun hanyoyin gano manyan fasaha. Hakanan yana da a babban inshora ga tsofaffi, wanda kuma ya cika sosai.
5. Sanitas
Sanitas hedkwatar a Madrid
An haife shi a shekara ta 1954 a hannun ƙungiyar likitocin Spain, an saye shi a cikin 1989 ta hanyar kiwon lafiya ta ƙasa da ƙasa. Bupa, wanda ke da fiye da abokan ciniki miliyan goma sha shida a duniya. Koyaya, yana gabatar da takamaiman rashin samun masu hannun jari, don haka, a cewar wakilanta, sake zuba jari duk riba a cikin kasuwancin ku. Duk da haka yana iya zama, a halin yanzu ana samun shi a cikin ƙasashe da yawa na Turai kuma daga América Latina, da kuma a Spain.
Sanitas yayi a m sabis na kiwon lafiya tun daga rigakafi zuwa kulawar asibiti har ma da kula da tsofaffi. Koyaya, saboda duk wannan, yana ba ku inshora na keɓaɓɓen. Don haka, zaku iya zaɓar tsakanin Sanitas Basic Digital, da Sanitas Karin Lafiya ko Sanitas Ƙarin Iyalan Lafiya. Daga cikin ɗaukar hoto sun haɗa da, ban da na gargajiya na likita da kulawar asibiti, na ilimin halin dan Adam da kuma magana far har ma, a wasu lokuta, da maida farashin magani.
6. Asa
Wannan kamfani inshora mallakar Lavinia hadin gwiwa, wanda ya ƙunshi kusan likitocin Spain dubu goma. An haife shi a cikin 1971 a matsayin sabis na kiwon lafiya tsakanin larduna kuma, a halin yanzu, yana ɗaya daga cikin manyan masu ba da sabis na kiwon lafiya ga jami'an jihar. Hakanan yana da cibiyar sadarwar kulawa da aka haɗa a cikin Kungiyar Asibitin HLA. Wannan yana kunshe da jimillar wuraren sanatorium 18 da cibiyoyin kiwon lafiya na musamman guda 36.
Inshorar lafiyar su kuma tana karɓar sunaye daban-daban dangane da ɗaukar hoto da suke ba ku. Misali, kuna da Lokacin Asisa, wanda shine mafi mahimmancin manufofin kuma yana da babban haɗin gwiwa. Amma kuma Asisa Proxima Plus, ba kwa biya. Har ma kuna da zaɓi na ɗaukar inshorar likita wanda zai ba ku damar zuwa cibiyar da kuka zaɓa kuma su biya ku kuɗin ku. Hakanan, zaku iya hayar manufofin ku zuwa zauna a kasashen waje kuma ku sami kulawar lafiya a ƙasar ku.
A gefe guda, Asisa tana ba ku sharuɗɗan fifiko a cikin ayyukan kiwon lafiya marasa mahimmanci kamar aesthetics ko audioology. Kuma, kamar yawancin kamfanonin inshora na kiwon lafiya, yana ba ku damar biyan kuɗin ku m. Don haka, za ku iya yin shi na shekara-shekara, a cikin kwata har ma da kowane wata da kowane wata.
7. Fiatc
Abin sha'awa, idan Mapfre ya samo asali a cikin masana'antar noma, Fiatc ya samo asali ne a duniyar sufuri. Har ila yau a cikin shekaru XNUMXs lokacin da gungun direbobi suka kirkiro Ƙungiyar masana'antun sufurin motoci na Catalonia (Fiatc). Tuni a farkon karni na XNUMX ya shiga wasu rassan inshora kamar kiwon lafiya.
Amma ga waɗanda irin wannan, yana ba su da daban-daban ɗaukar hoto da farashin, kazalika da hada da haɗin gwiwa ko a'a. Amma a cikin littafin ku na likitanci kuna da ƙwararru iri-iri da cibiyoyin kiwon lafiya da taimako kamar su Diagonal Clinic daga Barcelona. Koyaya, yana kuma ba ku zaɓi don zuwa wanda kuke so sannan ku nemi maido da kuɗin. Hakazalika, tare da ainihin mahimmancin ɗaukar hoto don taimakon likita da asibiti, yana ba ku damar zaɓar wasu masu ban sha'awa. Misali, ilimin halin dan Adam, shawarwarin abinci mai gina jiki ko physiotherapy.
A ƙarshe, mun nuna muku manyan kamfanonin da ke bayarwa arha inshorar lafiya. Kamar yadda kuka gani, kasuwar inshora tana ba ku damar zaɓar daga yawancin su. Amma da yawa wasu da kuma bayar Inshorar likita. Misali Asapha, wanda aka haifa don sashin gine-gine; Bajamushe Allianz; Italiyanci Reale, wanda aka kafa a ranar 31 ga Disamba a Turin, ko Mutanen Espanya felayo, wanda asalinsa ya kasance saboda masu motocin haya a Madrid. Kwatanta farashin duk waɗannan kamfanoni, duba ɗaukar hoto da suke bayarwa kuma zaɓi manufofin da suka fi sha'awar ku don kula da lafiyar ku.