IndividualsInsured 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.
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 JORI method
How we work
Risk analysis
We study the activity, assets, and plausible scenarios. Without that diagnosis, comparing policies is comparing prices of different things.
Programme design
We define covers, limits, deductibles, and acceptable exclusions. We decide what is transferred to the insurer and what is consciously retained.
Negotiation with the market
We present the risk to the insurers we work with and negotiate terms. We are independent: we do not belong to any company.
Support and claims
We review the programme at each renewal and, when a claim occurs, we act as your technical representative with the insurer until payment is received.
Frequent doubts
Most frequently asked questions about 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
