Choosing a good health insurance involves taking into account various factors that will ensure good coverage. According to our needs, we will have to assess some aspects or others but, without a doubt, the
grace period is essential to take it into account.
Next, we are going to explain everything you need to know about the grace periods in health insurance.
What is a grace period
Waiting periods in health insurance are the time that passes from when a policy is contracted and registered until the moment in which all the contracted coverage can be enjoyed.
There are health insurance without a deficiency but, as a general rule, the grace period is usually 6 months , during which time the coverage contracted for the care of certain specialties cannot be enjoyed .
That is, for example, when a health insurance is contracted, the insured can attend general medicine visits from the same day the policy is discharged, but in order to have visits from specialists, surgical interventions, hospitalization … You must wait for the grace period established by the insurance company to pass.
What is the lack of health insurance for?
Health insurance deficiencies serve as collateral for insurance companies . In this way, it is guaranteed that the insured carry out the signed agreements and do not use the policy contract to solve a specific health need and, once solved, they terminate the policy contract.
Most common insurance deficiencies
Each insurance company establishes its own grace periods and grace periods . But they are usually common to most. Therefore, we can say that the most common are:
- Waiting periods of between 3 to 24 months , depending on the different specialties and coverage
- Lacks in special diagnostic or high technology tests , such as magnetic resonance imaging, CT, Vascular radiology, diagnostic studies of the Sleep Unit, Catheterizations, Amniocentesis, OCT … with periods of lack that can vary between 3 and 6 months
- Gestation, delivery and postpartum , 6 to 12 months
- Second medical opinion, with a delay of between 3 to 6 months.
- Ambulatory Surgery , 3 to 6 months
- Surgical interventions with hospitalization, with a minimum period of 6 months
- Hospitalization , around 6 months
- Rehabilitation , physiotherapy, electrotherapy, magnetotherapy, pain treatment, surgical laser … between 3 and 6 months
- Psychological treatments
- Family planning, such as IUD insertion, tubal ligation, vasectomies … Around 6 to 8 months
- Elaboration of complex clinical analyzes . Between 3 and 6 months
- Interventional diagnoses , 6 months
- Special treatments such as cancer, cardiovascular, dialysis or lithotripsy, depending on the type of treatment, a deficiency is usually established that can range from 3 to 12 months
- Surgical prostheses , with a period of 6 months
- Assisted reproduction , 24 months
- Bariatric surgery for obesity, between 20 and 24 months.