Misinformation about health insurance can lead to confusion. Myths can lead to wrong decisions, so it is important to dispel them to make informed choices. Below, we debunk six of the most common myths about health insurance.
Myth 1: You only need health insurance if you are ill
Health insurance is not only for people who are ill or require constant treatment. One of its most significant benefits is prevention. Many policies include preventive programmes such as regular check-ups or diagnostic tests so that specialists can detect illnesses before they become serious problems. Health insurance allows you to access preventive consultations and maintain a healthy lifestyle.
Myth 2: Taking out insurance through an agent means an increase in cost
The fees of insurance mediators, such as Dylsi, are paid by the insurerance companies, not by the client. Quite the contrary: many times, due to their volume of business with the insurance company, specialist agents like Dylsi negotiate special conditions and offer lower prices and promotions that are only available with us and not on the web or other channels.
Myth 3: Private health insurance is too expensive.
There are affordable options available to suit different budgets. Many insurers, such as AXA, offer flexible plans that allow you to adjust the cost of your premium according to your needs and the level of coverage you choose. There are policies with different levels of coverage ranging from primary care to more complex treatments. Ask us; at Dylsi, we are experts. We can explain the existing options to you, and together, we will find out which one suits your needs in terms of price and coverage. In addition, you can access special promotions at reduced prices.
Myth 4: I will no longer be able to go to my trusted doctors, only to those on the insurance’s medical directory
AXA’s medical directory is very extensive, with more than 44,000 medical services throughout Spain. Usually, when a client changes insurers and takes out health insurance with us, we help them check that their regular doctors are available with AXA. And in case they are not and the client does not want to change specialists, there are health insurance policies with reimbursement modalities that allow you to consult any doctor, even outside the medical directory, and then request reimbursement of the expenses. In the case of AXA, for example, some policies such as Optima Plus include the option of reimbursement of up to a percentage of the total cost if you decide to go to a doctor outside of their agreed condition. This modality offers you the flexibility to choose, while maintaining the assurance that a part of the costs will be covered by your insurance.
Myth 5: Insurance won’t accept me if I have pre-existing conditions
Many clients think insurance will not cover or accept them if they have pre-existing conditions. However, this is only sometimes the case. It depends on the type of pathology, treatments required, and other factors specific to each person. Therefore, Dylsi recommends that all patients apply for insurance and explain the details to the insurer to find out the insurance conditions. In many cases, it will be possible to take out insurance, although there may be some conditions limiting the risk.
In any case, informing the insurance company about all illnesses is essential when taking out health insurance. Some clients do not disclose everything, thinking that, as no coverage is required for that illness, there is no need to declare it. This mistake can lead to policy cancellations or even legal disputes with the insurance company. Remember that the declaration of pre-existing conditions based on the questionnaire provided by the insurance company is a contractual obligation, not an option.
Myth 6: I will have to pay for consultations and treatments upfront
Usually, insured persons go to specialists included in the medical directory or to contracted professionals. In these cases, upfront payment is not required, as these providers have agreements with the insurer. For the patient, this means they only have to use their insurance card, and the invoicing is done directly between the health centre and AXA, avoiding having to pay money upfront and making the process very convenient.