A Special Health Insurance Plan
There are specific health insurance plans that will compensate the insured when he or she has a specific illness. In Spain, they are commonly used by self-employed people.
In the case of self-employed workers, protection from disease and economic losses is crucial. Therefore these kinds of specific illness health insurance plans are particularly attractive in this sector. These types of plans are very beneficial because they cover the disease and the cost that what it entails: medical expenses, medicines and even temporary disability.
If you bought one of these specific illness health insurance plans, you are protected against the effects of that specific illness. When the illness hits, the insurance company compensates the insured for what the contract establishes. The compensation provided by this health insurance plan helps the self-employed to cover for the economic loss for the time he or she was ill.
The compensation system most of these health insurance plans use are specific to the procedure given to patient. In this case, the policy establishes a maximum or single advance. However, when there are several interventions at the same time, the health insurance plan will compensate 100% of the most expensive one and 50% of the next and so on. The daily allowance for hospitalization during surgery is often refers to a maximum of 120 days, when the insured comes to a hospital for any other reason the maximum amount of days is usually 360 days.
These types of health insurance plans will give you coverage in case of disability when it hinders you from performing your normal activities. Different policies will have different coverage for the number of days you are not able to work. The allowance would start with the day you are hospitalized and stop when you are discharged.
It is very important to know the restrictions of this type of insurance for specific sickness. Generally, the diseases that are excluded from compensation are those restricted by age or pathological diseases, chronic diseases, pre-existing conditions, congenital, occupational accidents, mental illness, AIDS, caused by drug addiction or alcoholism, epidemics, among others.
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