Illnesses or health emergencies can happen to any person at any place and time, before which the majority of Mexicans are not financially prepared to assume health expenses, including pregnancies, accidents, or serious illnesses, for which it is essential that you know which is the best insurance for major medical expenses.
The offer in medical expenses policies is constantly updated, this to stand out from the competition, for this reason it cannot be said which is the best insurance for major medical expenses, since each person has different needs and each of the insurances It offers different benefits and coverages.
However, we know how important it is for you to know which is the best insurance for professional medical expenses, or for any other institution in charge of regularizing and evaluating the services provided by each insurance company in the country.
What is the best insurance for Major Medical Expenses 2022 according to Condusef?
If you are still wondering which the best insurance for major medical expenses is, Condusef can guide you in your choice of the best insurers for major medical expenses in Mexico, since this public institution studies and evaluates insurers according to their compliance with customers, costs and services.
To get an idea of which is the best medical expense insurance, we can base ourselves on last year’s evaluations, since they are the only ratings that exist so far, but they are a good indicator of the quality of services of insurers in Mexico.
How can I find the best Major Medical Expenses Insurance?
To choose the best Medical Expense Insurance, you must consider the needs that you and your family (if you want family insurance) have in terms of health risks.
We all, depending on where we live, our age, gender, job and personal activities, have different risks and vulnerabilities to our health that we need to consider.
Although these factors can be a clear indicator of the vulnerability we have, this does not guarantee anything, since accidents or illnesses can occur at any time and place without prior notice.
This is why it is better to be insured with a policy that is as complete as possible, that considers the greatest number of possible scenarios, all the necessary medical care, and the insurance amounts that we will require obtaining the best medical care in the place and time that we need.
If you keep asking yourself “what is the best insurance for major medical expenses in Mexico?” It is necessary that you consider all these aspects so that you can determine which is the most effective insurer and coverage for the safety of you and your loved ones.
Consider your health needs but also your financial capacity to pay for this service without it representing a complication for your personal finances.
It is also recommended that you consider aspects in the future, such as if you plan to have a child, take a trip or have a high-risk practice, such as playing a sport or working in a dangerous situation.
The main points that you must consider to obtain the best medical expense insurance in Mexico are:
- Risk or history of diseases.
- Risk of accidents at work, on trips or at home.
- Risk factors where you live.
- Current health condition of you and your family.
- Hospital level you require.
- Consider whether someone already has insurance or social security.
- Check the amounts of insurance, deductibles and coinsurance.
- Review the background and evaluation to find out which is the best insurance company for major medical expenses with coverage in your area.
For all this, you are not alone, since SavingSeguros.mx helps you to search for, compare and quote the best major medical expenses insurance for you among the best medical expenses insurers in Mexico, to guarantee that you will always obtain the highest protection when more affordable price.
What do the best medical expense insurers in Mexico consider to assign you a policy and cost?
The best insurance companies for major medical expenses in Mexico consider several fundamental aspects of the people who will be covered by the policy, since depending on various indicators, they may have a greater or lesser risk of accidents and illnesses.
In addition, to be assigned the best insurance for major medical expenses and set a price, you must also select the type of coverage, deductible and coinsurance that best suits you for your health care but also for your family economy.
The aspects that insurers consider to set the price of your best medical expenses insurance in Mexico are:
- Price and coverage: This refers to the premium that the insured must pay annually and the coverage includes the expenses covered or covered by the insurance policy. This must include medical fees, expenses for hospitalization, analysis and clinical studies, medications, rehabilitation, therapies and/or treatments.
- Age: To set an insurance plan, insurance companies are based on age ranges, it is advisable to start medical insurance before the age of 40. The older, the higher the cost.
- Sex: There are insurance plans for women, and these are usually more expensive, because women are more predisposed to diseases, in the same way women are more recurrent to surgical interventions between 20 and 50 years; In addition, women are awarded pregnancy and childbirth expenses.
- Health: The company will evaluate your state of health, this to exclude those who present any illness that could be a risk of medical expenses for the company.
- Geography: In cities, insurance is more expensive due to the risks it may include, such as crime. As well as a greater probability of accidents and a higher level of medical specialization.
- Closed or open network: This refers to the hospital network and physician agreements, your plan may include a limited or open network in hospitals.
- Sum insured: This is the maximum amount that the insurance company agrees to pay, derived from medical care, there are companies that have unlimited amounts, that is, there is no spending limit, this means that there is no limit and the premium is elderly.
- Exclusions: These are those illnesses or expenses that your insurance does not cover.
- Deductible and coinsurance: Cost of medical expenses due to illness or accident, this is absorbed. The deductible is a fixed amount that is established in the policy to be paid for each case, while the coinsurance is a percentage of the total (variable) amount of the claim, once the deductible has been deducted, it is regularly 10%.
