How to take out insurance
Once you have decided to take out health insurance, the next step is to find out what different companies offer and choose the policy that suits you best
As the offer changes a lot, and a snapshot of the health insurance sector today could be completely obsolete in a few days, we will focus on the different channels through which you can get updated information to help you choose one product over another.
Branch or delegation
All insurance firms have branches where you can go to ask questions and get advice on the type of policy that best suits your individual or family needs.
Currently, in this digitised world, perhaps you are used to contracting services online, but visiting a branch or delegation of an insurance firm in person offers you the chance to get personal treatment, which is a real plus when it comes to topics related to your health and that of your family.
If you decide to do this, bear in mind that you need to visit the branches of all the insurance firms you are interested in taking out a policy with or getting more information on.
A simple solution, which does not involve going from one branch to the next, and which gives you all the information in a single click, is to visit the websites of the insurance firms. If you find a product you like, you can contract it there and then.
Many companies offer discounts if you take out a policy online. The low maintenance costs of websites means that companies can apply a certain discount.
Health insurance, just like any other insurance you take out throughout your life, is just another product on the market, like books and clothes might be. Normally, we do not purchase these products, books and clothes, straight from the manufacturer, but rather go to a store; an intermediary.
In the case of insurance, there are also intermediaries who can help us take out the best insurance for our needs.
There are two types of mediators, depending on whether they work exclusively for one company or for several:
Brokers: An individual or legal person who works with multiple companies, with a qualification and prior authorisation from the Directorate-General for Insurance, who is legally obliged to offer products from at least three different companies.
Exclusive agents: As the name indicates, they work for just one company.
Both are committed to offering truthful and sufficient information, and are still one of the preferred options of future customers given the personalised assistance they offer.
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