Kubaluleke kakhulu ukuba ne-inshurensi yezempilo yabucala. Uluhlu lokulinda kunye nezinye iingxaki ezinzulu kwimpilo yoluntu ziye zakhokelela abantu abaninzi ukuba baqeshe I-inshurensi yezonyango ukuba nenye indlela elungileyo ekunyamekeleni impilo yakho. Enyanisweni, kwiminyaka yakutshanje olu hlobo lomgaqo-nkqubo luye lwakhula kakhulu.
Ngaphezu koko, ngokuchasene nenkolelo eqhelekileyo, zikhuselekile ngexabiso eliphantsi kunye neetoppings ezinkulu. Phakathi kwezi, ukubonisana neengcali, iimvavanyo zonyango kunye nokulaliswa esibhedlele okanye ukungenelela ngotyando. Kwaye, malunga namaxabiso, ungakhetha ukhetho lwe Copagao. Ngale nto, uya kuhlawula imali encinci xa usebenzisa ipolisi yakho kwaye enye iya kuhlawulwa ngumkhuseli. Ukuze ukwazi ukukhetha eyakho, siza kukubonisa ezinye zeenkampani eziphambili ezinikezelayo i-inshurensi yezempilo ephantsi.
1. I-Inshurensi ye-DKV
Le nkampani yeinshurensi yemvelaphi yaseJamani yaqala ukusebenza eSpain emva kokufumana zonke izabelo ze ngaphambili, eyayisele enye yezona zibalaseleyo kwimarike. Unikezelo lwabo lubandakanya amaziko ezonyango angaphezu kwewaka kulo lonke ilizwe, kubandakanywa nalawo adumileyo Iiklinikhi zaseQuiron, enithe neva ngayo ngokuqinisekileyo.
Ukongeza, unokukhetha phakathi kweentlobo ezahlukeneyo ze-inshurensi yezempilo ehambelana neemeko zomntu ngamnye. Umzekelo, bane-a umgaqo-nkqubo ophezulu kubantu abadala okanye i-inshurensi yabasetyhini abakhulelweyo. Ngokunjalo, kunye nokhuselo lwemveli esilukhankanyileyo ngasentla, lubandakanya nezinye ezintsha ezinje i-psychotherapy, ukulawula ukutyeba kunye ne-podiatry.
2. Mapfre
Wazalwa ngo-1933, uMapfre, abangabokuqala be I-Mutual Society yoMbutho wabanini beePropati zeRustic yaseSpain, wayenobizo lokuqinisekisa impilo kwasekuqaleni. Ngenxa yokuba imigaqo-nkqubo yabo yokuqala yayijongene nabasebenzi bezolimo. Nangona kunjalo, ngoku ibonelela ngazo zonke iintlobo ze-inshurensi kwaye ikhulile ukuba ibekho kwamanye amazwe amaninzi Europe e ilatin America.
Njengoko isenza nezinye iintlobo zemigaqo-nkqubo, MAPFRE ikuvumela ukuba uqeshe a kwi-inshurensi yezempilo efunekayo. Oko kukuthi, ukukhetha i-coverage oyifunayo. Unokukhetha eyona nto isisiseko okanye epheleleyo ngaphandle kokuhlawula. Kodwa kwakhona, embindini wazo zombini, lowo ubandakanya intlawulo-mali kunye nesibhedlele esongezelelweyo. Nangona kunjalo, i-inshurensi yonyango ye-MAPFRE ikuvumela ukuba ufumane uncedo kwihlabathi liphela kwaye ibandakanya iinkonzo ezihambelanayo. Umzekelo, iyeza lobuhle o izifundo zofuzo ukuthintela izifo.
3. Axa, enye inkokeli kwi-inshurensi yezempilo
Eli qela le-inshurensi yemvelaphi yesiFrentshi nayo ine-inshurensi yezonyango egqwesileyo. Yaqala ukusebenza phantsi kweli gama ngo-1985 emva kokuba ezinye iinkampani ezifana neMutuelles Unies kunye neGroupe Drouot zidityanisiwe. Imigaqo-nkqubo yabo ikunika amathuba awohlukeneyo. Umzekelo, ngaba unayo i-inshurensi ulutsha olugqibeleleyo, i Usapho Olulungileyo kunye eyona plus, le yokugqibela eneenkonzo ezikhethekileyo.
Phakathi kwamandla ayo, into yokuba ikunika ingxelo yobomi obubhaliweyo. Kwakhona kufanelekile ukukhankanya iinkqubo zothintelo ngokuchasene nomhlaza wamabele okanye iglaucoma, kunye neqela layo lezonyango elibanzi elinabasebenzi abangaphezulu kwamashumi amane anesine amawaka. Ngokunjalo, unokwenza ikhontrakthi yemigaqo-nkqubo yabo kunye okanye ngaphandle kwentlawulo kunye kwaye wenze uninzi lweenkqubo nge-elektroniki. Umzekelo, cela imibuzo okanye ukubuyiselwa imali.
4. SegurCaixa Adeslas
Le nkampani yaqala ngeminyaka yoo-2010 ngokufika kweQela le-Agbar, eladibanisa iinkampani ezininzi ze-inshorensi. Emva koko, iya kujoyina iqumrhu lentlalontle yaseFransi iMalakoff Méderic ukuba, esele ikwi-XNUMX, ifunyenwe ngu. Criteria, eyongeza i-inshurensi yaseLa Caixa. Enkosi kuko konke oku, iye yaba yenye yeenkampani zezempilo eziphambili eSpain.
I-inshurensi yezonyango ikunika ukufikelela kwiingcali ezingamashumi amane anesihlanu amawaka asasazeke kwiikliniki ezingaphezu kwewaka elinamakhulu amathathu kulo lonke ilizwe. Ngokunjalo, bakunika uluhlu olubanzi lwamathuba xa ubaqesha. Umzekelo, unayo i Adeslas Hamba, eyona isisiseko, okanye i I-Adeslas igcwele ngokupheleleyo, enokugubungela ngokupheleleyo amazinyo emboleko.
Phakathi komgaqo-nkqubo omnye kunye nolunye kukho iindlela ezahlukeneyo kunye nangaphandle kokuhlawula, kodwa oko kukuvumela ukuba ufikelele kwiindlela zokuxilonga zobuchwepheshe obuphezulu. Kananjalo ine-a i-inshurensi ephezulu kubantu abadala, nayo iphelele kakhulu.
5. IiSanitas
Ikomkhulu leSanitas eMadrid
Yazalwa ngo-1954 ezandleni zeqela loogqirha baseSpain, yathengwa ngo-1989 yimpilo yezizwe ngezizwe. Bupa, enabathengi abangaphezu kwezigidi ezilishumi elinesithandathu kwihlabathi jikelele. Nangona kunjalo, iveza ubunjani bokungabi nabanikazi-zabelo, ke ngoko, ngokutsho kwabameli bayo, phinda utyale zonke iingeniso kwishishini lakho. Nangona kunjalo, ngoku ifumaneka kumazwe amaninzi Europe kunye Latin America, kwakunye naseSpeyin.
Sanitas inikeza a inkonzo yezempilo ebanzi ukusuka kuthintelo ukuya kukhathalelo lwesibhedlele nkqu nokukhathalela abantu abadala. Nangona kunjalo, kuyo yonke le nto, ikunika i-inshurensi yobuqu. Ngaloo ndlela, unokukhetha phakathi Sanitas Basic Digital, i Sanitas More Health okanye Sanitas Impilo Engakumbi IiNtsapho. Phakathi kwezinto ezibandakanya, ukongeza kunyango lwakudala kunye nokhathalelo lwesibhedlele, ezo ze kwengqondo kunye nonyango lwentetho kwaye, kwezinye iimeko, i imbuyekezo yexabiso leziyobisi.
6. uAsa
Le nkampani ye-inshorensi iphantsi kwe Intsebenziswano yaseLavinia, ubunjwa ngoogqirha baseSpeyin abamalunga namawaka alishumi. Yazalwa ngo-1971 njengenkonzo yezempilo phakathi kwamaphondo kwaye, ngoku, ingomnye wababoneleli abaphambili beenkonzo zempilo kumagosa karhulumente. Ikwanayo nenethiwekhi yayo yokhathalelo ebandakanyiweyo kwi IQela lezibhedlele ze-HLA. Oku kwenziwa ziisanatoriums ezili-18 kunye namaziko onyango angama-36 akhethekileyo.
Iinshurensi yezempilo yabo ikwafumana amagama ahlukeneyo ngokuxhomekeke kukhuseleko abakunika lona. Ngokomzekelo, unayo Umzuzu ka-Asisa, eyona nkqubo isisiseko kwaye inentlawulo ephezulu. Kodwa kwakhona Asisa Proxima Plus, akukho ntlawulo. Ude ube nethuba lokuthatha i-inshurensi yezonyango ekuvumela ukuba uye kumbindi owukhethileyo kwaye baya kukubuyisela ngeendleko zakho. Ngokulandelayo, unokuqesha ipolisi yakho ukuba bahlala phesheya kwaye ube nokhathalelo lwempilo kwilizwe oya kulo.
Kwelinye icala, u-Asisa unikezela ngeemeko ezikhethekileyo kwiinkonzo zonyango ezingabalulekanga njenge i-aesthetics okanye i-audiology. Kwaye, njengeenkampani ezininzi zeinshurensi yezempilo, ikuvumela ukuba uhlawule iiprimiyamu zakho yenziwe ngamaqhezu. Ngaloo ndlela, ungayenza isiqingatha sonyaka, ngekota kunye nangeenyanga ezimbini nangenyanga.
7. IFiatc
Okubangela umdla kukuba, ukuba iMapfre yavela kwishishini lezolimo, iFiatc yavela kwihlabathi lezothutho. Kwakunjalo kwiminyaka engamashumi amathathu xa iqela labaqhubi belori bakha i Imanyano yoShishino lwezoThutho lweZimoto eCatalonia (Fiatc). Kakade ekuqaleni kwenkulungwane yama-XNUMX yangena kwamanye amasebe e-inshurensi njengezempilo.
Ngokubhekiselele kwezo zolu hlobo, zibonelela ngee-inshorensi ezahlukeneyo kunye namaxabiso, kunye nokubandakanya i-co-payment okanye hayi. Kodwa kuluhlu lwakho lwezonyango uneengcali zazo zonke iintlobo kunye namaziko onyango kunye noncedo anje Iklinikhi yeDiyagonal ukusuka eBarcelona. Nangona kunjalo, ikwabonelela nokukhetha ukuya kuleyo oyifunayo kwaye ucele ukubuyiselwa imali. Ngokunjalo, kunye nokhuseleko oluyimfuneko lwezonyango kunye noncedo lwesibhedlele, kukuvumela ukuba ukhethe ezinye ezinomdla. Umzekelo, isayikholoji, ingcebiso ngezondlo okanye iphysiotherapy.
Ukuqukumbela, sikubonise iinkampani eziphambili ezinikezelayo i-inshurensi yezempilo ephantsi. Njengoko ubonile, imarike yomshuwalense ikuvumela ukuba ukhethe kwinani elikhulu labo. Kodwa abanye abaninzi abanikezelayo I-inshurensi yezonyango. Umzekelo Asepha, eyazalelwa icandelo lokwakha; isijamani Allianz; isiTaliyane Ingxelo, eyasekwa ngokumangalisayo ngoDisemba 31 eTurin, okanye ngeSpanish ipelayo, imvelaphi yayo yayingenxa yabanikazi bezithuthi eziqashisayo eMadrid. Thelekisa amaxabiso azo zonke ezi nkampani, jonga i-inshorensi ezinikezelayo kwaye ukhethe umgaqo-nkqubo onomdla kakhulu wokukhathalela impilo yakho.