Cancer insurance with or without a copayment? How does it work and what is best for me?

As you know, cancer is one of the leading causes of death worldwide and trying to alleviate that situation and to be more prepared to face it is that cancer insurance is born.

Year after year, these insurances are reaching more homes, as more and more people are aware of the dangers of this disease and the need to be prepared.

When talking about hiring insurance

When talking about hiring insurance

One of the most important points when talking about hiring insurance of this type is the conditions that surround it, including the payment of a deductible or co-payment. What does it mean? The deductible is the amount that the user must assume when using the insurance.

It can be expressed in percentages or in a specific value and is an element that is present in all types of insurance, such as vehicles, home insurance, etc.

How does it work in cancer insurance?

How does it work in cancer insurance?

Basically, if you hire a policy with a deductible, it means that when you use some of the coverage, you will have to pay a certain amount. For example, before attending a regular consultation, you must pay 10%. If the consultation costs s / .100, the insurer will cover s / .90 and you will pay the remaining s / .10. And so with every coverage you own. It may not seem like much, but you should not forget that some medications or procedures can cost thousands of soles, which would cause you to pay a higher deductible.

In case of having a coverage without deductible

In case of having a coverage without deductible

it means that you should not worry before using your insurance, because the insurer will cover 100% and you will not have to make any additional payment.

Normally, the deductible option is offered in some of the coverages and it is necessary to know the details to evaluate if it suits you or to carry out some type of negotiation. So, if you are looking for insurance of this type, compare the alternatives in Portia and review the details before making any requests.

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