What are pre-existing conditions in health insurance? Does my health insurance cover me for pre-existing conditions?
Pre-existing conditions are an illness or pathology that you have before taking out the policy, in some cases it is known and in other cases it is not, so before taking out a health insurance policy a health questionnaire is filled out to determine if there is a pre-existing illness or pathology.
As to whether a pre-existing illness is covered by health insurance, it depends on the severity of the pre-existing condition, serious illnesses will almost certainly be excluded, but if it is a minor ailment, it may not be excluded even if the insured was unaware of it, but this depends on each insurance policy, check with your insurance company.
In futurseguros, we explain each health policy, but we always recommend calling the insurance company and asking directly if you have very complex doubts.
What is waiting period in a private health insurance policy?
When we take out a health insurance policy we have to wait for a period of time before we can use some coverage or services, this period of time is called a waiting period, it exists to prevent a person from taking out a health insurance policy to treat a medical need and then withdrawing from it (for example, someone who needs urgent physiotherapy).
How to take out a health insurance policy without a waiting period?
I will explain a couple of cases in which health insurance does not have a waiting period..
The first is when a client comes from a competitor’s health insurance company and can take out a policy with us without a waiting period by providing a receipt from the previous policy. Another case of private health insurance policies without a waiting period is insurance for groups (taxi drivers, for example), in which many policies are taken out at the same time for members of a group.
These are our main shortcomings, although it is best to ask us before you sign up in case any of them have changed and we have not updated the blog.
Hospitalization 8 months.
Special treatment techniques 6 months.
Outpatient surgery 6 months.
Family planning: 6 months
Psychotherapy: 6 months
Some diagnostic tests: 6 months (karyotypes, vascular radiology, MRI, PET, CT, gammagraphic studies, catheterisation, cardiac electrophysiological studies, polysomnographic study, amniocentesis, urodynamic studies, etc.).
What dental coverage does a futurseguros health policy have?
At futurseguros we work with Asisa, which includes dental services, these are our dental covers:
Annual Dental Cleaning: Enjoy one free dental cleaning per year.
Urgent Care and Infection Treatment: No matter when a dental emergency arises, we are available to treat you. We also treat oral infections.
Oral infections and treatment of diseases of the oral cavity.
Fluoridation for the Little Ones: Children under the age of 6 also deserve a strong smile. Fluoride treatment is included in our medical policies to help them keep their teeth healthy and strong.
Comprehensive Dental Check-up: A dentist will assess your oral health in detail and provide you with an accurate diagnosis for any necessary treatment.
Digital Orthopantomography: We carry out this radiographic exploration to obtain a complete view of your dental structures, as long as it is not for aesthetic reasons.
Dental Extraction and Aftercare: If, after analysing your case, a stomatologist decides that it is necessary to extract a tooth, this also includes the necessary diagnostic tests and aftercare.