Do you need help choosing your health insurance?
Choosing who you entrust your healthcare to is an important decision. To make it easy for you, we have prepared a table comparing our health insurance policies, where you can find out about the different types of insurance that we offer and the coverage included in each of them.
What does this comparison show?
In the comparative table of our private medical insurance policies, you can see at a glance what services are included in each policy, how to access them and the type of specialities included.
Comparison of Occident health insurance policies
Salud Healthcare |
Salud Mixed Reimbursement |
Salud Prime Reimbursement |
|
|---|---|---|---|
| Medical directory | Included | Included | Not included |
| Reimbursement option (1) | Not included | Included | Included |
| Copayment | Included | Included | Not included |
| General medicine and medical specialities | Included | Included | Included |
| Diagnostic methods | Included | By medical pool | Included |
| Emergencies and hospitalisation | Included | Included | Included |
| Internal prostheses | Included | Included | Included |
| Physiotherapy and rehabilitation | Included | By medical pool | Included |
| Psychiatry and psychology | Included | By medical pool | Included |
| Daily compensation for hospitalisation in public centres | Not included | Included | Included |
| Work-related and traffic accidents | Included | Included | Included |
| Reimbursement for paediatric consultations | Included | Included | Included |
| Reimbursement for gynaecology consultations | Included | Included | Included |
| Reimbursement for medicines | Included | Included | Included |
| Homeopathy and acupuncture | Included | Included | Included |
| Chiropractor, chiromassage and osteopathy | Included | By medical pool | Included |
| Dental coverage through an extensive dental directory (2) | Included | Included | Included |
| Personal care | Included | Included | Included |
| Video consultation | Included | Included | Included |
| Assistance abroad | Included | Included | Included |
Tailor-made health insurance
The options described in our comparative health insurance listing allow you to choose the way you want to enjoy your private health insurance.
- With our Salud healthcare insurance, you can choose between four types of copayment (Advance, 0, 5 and 20) for your medical visits.
- With Salud mixed reimbursement health insurance, we will reimburse up to 90% of the medical expenses you incur in the health centre or doctor's surgery you choose.
- And Salud Prime reimbursement insurance extends reimbursement coverage to 100%, at medical centres both in Spain and abroad.
FAQs
The difference between them lies in the percentage of reimbursement, in the medical treatment covered and in the centres for which expenses are reimbursed:
- Salud mixed reimbursement:
Reimbursement of expenses for healthcare provided by freely chosen doctors and hospitals anywhere in the world (except those listed in the Occident medical directory):
Reimbursement of 90% of hospitalisation expenses due to illness, childbirth or accident (up to the limits stipulated in the policy), including surgical procedures, hospital stay expenses, and ICU/HCU units.
Reimbursement of 80% of the cost of medical visits, alternative and preventive medicine (up to the limits stipulated in the policy).
- Prime health reimbursement:
100% reimbursement of hospitalisation expenses: reimbursement in full of expenses arising from medical care provided in a hospital, as a result of illness, accident or childbirth, within the limits established in the policy. Includes cost of hospital stay, admission to ICU and ambulance transfer, among other services.
The policy also includes reimbursement of 85% of the cost of outpatient treatment, and non-hospital medical services such as consultation, treatment without admission to hospital, diagnostic tests, alternative and preventive medicine and rehabilitation treatment, subject to the limits established in the policy.
With both products, you can also use our medical directory without additional payments.
When assessing the private health insurance that best suits your situation and interests, you should take two main factors into account:
- Your family situation: The number of members of your family unit and their ages will determine your requirements in terms of private medicine, both in terms of recurrence and the specialities you need. For example, if there are children or elderly people, it conditions how often you need to go to medical specialists and how urgent it may be to receive attention.
- How much you expect to use the policy: Regarding the frequency with which you expect to use private healthcare, you need to assess whether you prefer to take out a policy which is less expensive but requires copayment of larger or smaller amounts for the healthcare received -Salud healthcare includes different copayment schemes- or opt for a policy with a higher premium, where you will have to pay a small amount or even nothing for medical attention.
Occident has different options designed for all types of family and financial situations. Our advisers will provide all the information you need to make the right decision.