Health Insurance: Which is Best?

Health insurance can be a good complement to the National Health Service, as it allows access to private healthcare. Depending on the selected plan, it guarantees the payment of hospitalization expenses, specialty consultations, childbirth, stomatology, prostheses and even medication. This simulator helps you choose the most suitable health insurance for you and your family.

What are the differences between an insurance and a health plan?

Through a health plan, you can access a network of hospitals, doctors or diagnostic clinics, with discounts between 10% and 50% compared to the base price. With no exclusions or grace periods, it has no usage or expense limits, and the insured pays in full for all health care. Contrary to plans, in health insurance, it is the insurer that pays medical expenses up to the respective capital limit.

Compare the insurance offers available on the market

We collects and periodically analyzes all health policies available on the market. It evaluates them according to a set of qualitative criteria, such as the coverage that integrates the plan and the respective capital limits, deductibles, percentages of co-payment, grace periods, exclusions or age limits. Additionally, the tariffs of all insurers are collected and the annual premiums of all products are compared.

Health insurance products are complex and difficult to compare, as they are marketed in the form of predefined packages of coverage and the respective capital. Our Escolhas Acertadas, whose subscription we recommend, correspond to the policies that offer the best quality at the best price.

After selecting the plan, consumers will be able to proceed directly to the subscription process on our platform. After indicating the data relating to the policy and the policyholder, they are subsequently contacted by a specialized call center to formalize the contract.

What coverages to subscribe?

Hospitalization coverage is present in all policies. Additionally, it is possible to contract the following coverages:

• Ambulatory assistance , which pays for expenses with specialist consultations and carrying out treatments and diagnostic tests;
• Childbirth , which pays all expenses related to a pregnancy;
• Stomatology , which guarantees expenses related to oral medicine;
• Prostheses and Orthotics , which covers the cost of fitting and repairing orthopedic prostheses, wheelchairs or glasses, for example;
• Medications , which pays for the cost of prescription drugs.

The greater the number of covers included in the plan and the respective capital limit, the more expensive the insurance will be, which is why it is important to select the right cover package. The most important types of coverage we recommend taking out are hospitalization, outpatient care and, in the case of women of childbearing age, childbirth.

As a general rule, stomatology coverage has low capital limits and generally an annual deductible, so if you plan to carry out expensive dental treatments (such as the placement of implants or braces), we recommend taking out specific insurance.