Already once before I said above the problem have numerous health insurance for the user, not for the insurance, the sub-limits on guaranteed capital. This time I will briefly outline a practical case which luckily is only practical in theory, because the subject has not been in the position of having to pay out of pocket a large amount of a hospital bill that your insurance company does not treating you for exceeding the maximum guaranteed capital.
I understand the general feeling that everyone that will not happen to us but always hardships happen to other people. I imagine that psychologists know much about it and certainly will have numerous studies (now there is a study from a prestigious university for everything, even to show the color of the white horse of Santiago), which confirm this perception. Incidentally, a few days ago on the motorway witness an accident of being in the next lane was a victim and not a witness. I am also human and I think the problems happen to others and not me, but this time passed by.
By chance talking about other issues with this person, which, moreover, works in the insurance industry, came out in the conversation that has great health insurance for his family (wife, 2 sons and himself) with the insurance company X, covering more than € 400,000 per person per year, and only pay € xxx per year. Forgive me discretion but not so much the case, but the generality. Not that this particular insurer acted in good or bad, it is a widespread problem among many insurers. To add insult to injury, few mediators who are active health insurance, so many of them only treat when one of their customers with other products is requested directly, so they have little practice with health issues.
Suspecting something fishy, I ask that you send me a copy of the conditions of the policy to "amaze" with the wonderful product that has and has had great luck in finding the same. As I receive the documentation delay less than 2 minutes to detect the Kinder egg in him, and in a section beyond the middle of the rest of the ceilings there for each concept leaping hare and I find that there is a maximum limit of € 25,000 per person per year for hospital expenses arising from the same ailment, regardless of income produced as a result of it.
In short, this person thinks he has health insurance that covers your family up to € 400,000 per person per year for medical expenses, but it turns out that for the same ailment as me covering up to 25,000 € per year, ie 6 25% of what you think you are entitled. Come to the insurance company for compensation to those we € 400,000 per annul shall be 16 claims of different ailments in the same year, almost nothing. Now I understand how this insurer may face claims of its insured only charging € xxx per year for four insured policy.
Obviously this person is already looking for another valid alternative for your family, and giving the right to advertise their case known to have around. Unfortunately the latter only retained in his head that all insurance companies are the same, they will forget someone warned them of the problem, that there are valid alternatives and you just have to know to look. But that is another different issue.
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