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Health insurance with and without copayments: ASSSA health insurance

What’s the difference between insurance with copayments and insurance without copayments? And which is better?

We live in a time when the healthcare has become a priority. In this situation, health insurance plays a crucial role and when it comes to choosing a policy, it’s important to focus on all the terms and conditions in the contract, especially whether it has copayments or not.

When we talk about copayments, we refer to the amount that has to be paid by the policyholder each time he/she makes use of the medical services included in the policy. This amount is independent of the premium paid by the insurance.

Health insurance with copayments

Copayment is usually applied to GP and specialist consultations, diagnostic tests and therapeutic treatments and even to hospitalisations and emergencies. It can therefore result in a significant increase in the insurance cost.

The price of the copayment may vary depending on the medical service and the terms and conditions of the contract. Hospitalisations and advanced diagnostic tests normally involve a high copayment.

Health insurance without copayments

In this case, only the insurance premium has to be paid, thus giving peace of mind as no additional payments are requested to have access to the benefits and services guaranteed by the policy.

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

ASSSA health insurance policies have no copayments, meaning there are no extra payments, after having paid the premium, to have access to all benefits included in the policy. Moreover, they have medical, surgical and hospital coverage.

ASSSA health insurance is the best investment for your health, as it is a policy without copayments and with lifetime guarantee of no cancellation and no premium increase due to age.