Health insurance with copayments vs without copayments

ASSSA Health Insurance providers explain the difference between insurance with copayments and insurance without copayments

Healthcare is a priority in this time, and health insurance plays a crucial role. When it comes time to choose a policy, you should focus your attention on all the terms and conditions of the insurance contract, especially on whether it has copayments or not.

When we refer to copayments, we are talking about the amount the policyholder has to pay each time they make use of the medical services included in the policy. This amount is independent of the premium paid by the insurance.

Health insurance with copayments

Normally, copayment is applied to GP and specialist consultations, diagnostic tests and therapeutic acts and even to hospitalisations and emergencies. As such, it can result in a significant increase in the cost of the insurance.

The price of the copayment will vary depending on the type of medical service needed and the specific terms and conditions in the policy. Hospitalisations and advanced diagnostic tests often mean a high copayment.

Health insurance without copayments

With health insurance without copayments, only the insurance premium needs to be paid, which gives peace of mind since no additional payments are requested to access the benefits and services covered by the policy.

If private medical insurance is needed to get a residence permit in Spain, having a policy without copayments is one of the essential requirements.

ASSSA health insurance policies have no copayments, so no extra payments have to be made after having paid the premium to have access to all benefits guaranteed by the policy. What’s more, they have medical, surgical and hospital coverage.

ASSSA is the best investment for your health because it is a policy without copayments and which has a lifetime guarantee of no cancellation and no premium increase due to age.