ParticularesInsured amount M€96 Policies processed5.800 Clients4.120
Health insurance
A health insurance is determined by the medical network, the waiting periods, and what is excluded. We compare these three aspects before the premium.
In short
What is private health insurance
A private health insurance provides access to medical care without waiting lists, with free choice of specialist within the contracted medical network. The main modalities are closed medical network, with or without co-payment per act, and reimbursement, which allows visiting any doctor and recovers a percentage of the bill. The correct choice depends much more on which specialists and hospitals are in your province than on the premium.
Advantages
Advantages of health insurance
What you buy with a health policy is, above all, time.
Weeks instead of months
Accessing a specialist or a diagnostic test in days changes the prognosis in any condition where time matters.
You choose the professional
You can choose the doctor and hospital, keep the same specialist throughout the process, and request a second opinion without starting from scratch.
The family joins at the same premium
Spouse and children are incorporated under the conditions negotiated for you, without questionnaires or different rates for separate contracting.
Seniority that is preserved
The accumulated years prevent having to meet waiting periods again if you change companies. Joining early is what protects that asset, which cannot be bought later.
Profile
Who it is for
Families with children
Accessible and no-wait paediatrics is, in practice, the most frequent use of a family policy.
People with specialised follow-up
Profiles that need recurrent consultations and tests and cannot afford delays.
Self-employed and professionals
Those who cannot afford to wait months for a diagnostic test that affects their ability to work.
Over 60s
Segment where contracting is more difficult and where choosing the right insurer is crucial.
Technical criteria
What determines if a health policy is good
What is decisive is rarely compared: the real access to the professionals that will be needed.
Medical network on paper
A long list does not mean availability. What matters is how many specialists in each area are in your city and how long it takes to get an appointment.
Initial waiting periods
Hospitalisation, childbirth and high-tech tests usually have waiting periods of six to ten months. If you contract for a specific need, you will arrive late.
Undeclared pre-existing conditions
Omitting them in the questionnaire allows the insurer to exclude that condition or rescind. Declaring everything is what ensures cover.
Premium increase by age
The premium increases with age in all companies. Changing insurer at sixty implies new waiting periods, so the initial choice is very important.
Scope
Main covers of health insurance
- Primary medicine, specialties and emergencies, without waiting lists
- Diagnostic tests, from basic analytics to high technology
- Surgical, medical and ICU hospitalisation, with individual room
- Childbirth and pregnancy follow-up, after the waiting period
- Mental health, physiotherapy, rehabilitation and prevention programmes
- Reimbursement modality for free choice of doctor inside and outside Spain
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre health insurance
What is the difference between medical network and reimbursement?
With a medical network, you visit the agreed professionals and pay nothing, or a small copayment. With reimbursement, you freely choose any doctor and the insurer refunds a percentage of the bill, usually between 80% and 90%. Reimbursement is considerably more expensive and makes sense if you want a specific professional.
Is the copayment option worth it?
If you use the policy moderately, yes: the premium decreases significantly and the copayments per consultation are small. If you have intensive use or young children with many paediatric visits, the non-copayment option is usually more cost-effective.
How long do the waiting periods last?
As a general rule, six months for hospitalisation and high-tech tests, and ten months for childbirth. Primary care and emergencies are usually operational from day one. In certain cases, we can negotiate the elimination of waiting periods by providing the previous policy.
Can I change insurers without having to meet waiting periods again?
Often yes, through continuity agreements, provided you can prove uninterrupted tenure in the previous policy. It is a process that must be expressly requested and negotiated; it is not applied automatically.
Does the insurance cover pre-existing conditions?
It depends on what they are and how the health questionnaire is resolved. Some are accepted outright, others with express exclusion, and others with an additional premium. What never works is not declaring them: the insurer can deny the benefit just when it is needed.
Is there an age limit for contracting?
Most companies limit new contracts between 60 and 65 years, although they keep policyholders for life once inside. Therefore, if it is being considered, it is advisable not to leave it for later.
Health
The medical network available where you live
Tell us where you live, who would be on the policy, and which specialists you need. We compare insurers by real access, not by brochure.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
