Private health insurance
Today we are going to talk about an important section of coverage of a fundamental importance in all private health insurance. We will refer to the diagnostic tests.
These are different tools and procedures designed to know the existence or not of a disease, disorder or pathology, its degree of intensity or its level of advance or setback. Special tests or, simply, routine (but not for that reason) in order that we can verify that our health is adequate or, if not, what should be the steps to follow to try to recover. Most of us have made them, or we are going to do them at some point in our lives, since they are essential for a good medical diagnosis and we must take them into account when we are thinking about hiring a health insurance.
Diagnostic tests are, therefore, an important step for those who carry them out; as a valuation element after a surgical operation; well at the beginning, continuation or end of a specific medical treatment ; or to offer us the tranquility, for sure, that we have been able to overcome certain ailment, injury or illness. They are crucial when it comes to enjoying adequate medical care today, and therefore are part of the usual health care at the service of the citizen in both public and private medicine. The latter extends the offer of tests available to customers who hire it and usually shortens the waiting times for interventions, in addition to helping to streamline and decongest the public system.
Read the conditions of the policy
Once reviewed its importance, we will focus the focus on its connection with the branch of medical insurance. Generally speaking, we must point out in the first place that almost all insurance companies in this area (if not all) include them in their most basic insurance. But that does not mean that the offer is practically the same in this sense, because it is always convenient to read the policy carefully.
Generally the most widespread and basic tests (radiology, blood tests, tacs…) are included in the basic insurance that we hire regardless of the company, but the most advanced may not be included and be part of the extended coverages group. Therefore, we must analyze well what our insurance includes and what does not, especially without considering basic insurance or low price options.
These options, such as the medical chart without hospitalization or the medical chart with co-payment, the most normal thing is that they charge us a small fee for each test we perform (x-rays, radiology, ultrasound, cardiology or ophthalmological reviews, clinical analysis, electrocardiograms… ) or a larger amount in the case of other tests: magnetic resonances, colonoscopies, endoscopies, scanners, computerized axial tomography (CAT), color echo-dopplers… It should also be noted that, as is obvious, there are other factors that influence the final price to be disbursed by our insurance, such as age, work or personal health circumstances of each one.
Diagnostic tests, in detail
A health insurance includes a wide range of diagnostic tests, although many of them are not part of the basic insurance and to have access to them we should get an extended coverage or pay them as a separate service thanks to the co-payments. In general lines are these:
- Pathological anatomy and cytology.
- Cardiology: coronography, echocardiography, electrocardiography, cardiac catheterizations and stress tests.
- Clinical analysis: laboratory with biochemical, enzymatic and radioimmunoassay tests. Analysis of blood, urine, stool, sputum, seminograms…
- Nuclear medicine: nuclear studies with scans of the liver and bile, thyroid, bone, lung and brain. Positron emission tomography (PET)
- Diagnostic imaging techniques: ultrasound, mammography, radiology (conventional, contrast, invasive), echo-dopplers, bone densitometry, nuclear magnetic resonances, organ aspirations and punctures, computerized axial tomography.
- Bronchial (bronchoscopy), digestive and urological endoscopies (cystoscopy, cystometry, urodynamics).
- Clinical neurophysiology: electroneurophysiology (electroencephalography, electromyography, evoked potentials and polysomnography).
- Study by oto-emissions.
- Gynecological tests: amniocentesis, papanicolau, hysterosalpingography.
- Ophthalmological tests: fundoscopy, visual acuity, tonometry, campimetry, retinal angiography, optical coherence tomography.
As we have seen, it is necessary to have diagnostic tests and you can not miss a good insurance, be informed and read the conditions and the policy will allow us to choose properly.