When can I get a medical second opinion?

Sometimes, we are forced to face a difficult illness, such as asthma or diabetes. Faced with such a situation of uncertainty, our Caser health insurance offers the option of requesting a medical second opinion that contrasts the diagnosis given at first.

This service provides you with a team that, with personalised treatment and within a maximum period of ten working days, compiles all your patient information and issues a medical second opinion to avoid the need for any kind of travel.

It is important to note that this type of practice makes the patient feel more confident about their diagnosis and treatment, which means a greater level of peace of mind about their recovery. If you want to know more about ways to avoid commuting and when you can use this service, we recommend that you pay attention to the following content.

Centro Médico Caser – Telehealth service

Caser Expat Insurance health insurance policies are always adapted to the needs of patients. That is why they offer among their coverage the medical teleconsultation service.

It should be noted that it is always advisable, as a first option, to go to the health centre so that the medical professionals can attend you in person, as sometimes it is necessary to carry out a more complete medical test or examination to be able to make a diagnosis that is closer to the focus of the problem and, therefore, to the simplest medical solution. But there are times when travelling can be a problem, either because of the geographical location of the patient, because they need to rest after some kind of surgery, because they suffer from an illness that requires absolute rest, or because they prefer to stay at home for convenience or because of time availability.

In these situations, the medical teleconsultation service can be very useful, as it allows patients to contact the medical specialist, they need without having to leave their home. With this service you can receive medical attention from the specialist of your choice through any device, whether it is a video call with your mobile phone, tablet or computer; or a conventional call to the telephone number you have previously indicated. In addition, another advantage of this service is that it is not accompanied by any type of co-payment or additional cost, and that you can request it whatever your type of health insurance from Caser Expat Insurance is.

If, on the other hand, you do not yet have private health insurance and you do not know which one to choose, here is a brief explanation of some aspects that you should take into account and that may help you to choose the insurance that suits you best.

What to consider when choosing your health insurance?

If you do not yet have private health insurance and you are looking for the one that best suits your needs, we recommend that you consider these three concepts that will help you better understand the types of coverage:

• Co-payment: Co-payment is a simple thing that sometimes scares us because we don't really know what it is, but it is just a matter of deciding whether you want to pay the same price all the time or whether you prefer the price to vary and adapt to the type of services you use depending on your situation at any given time.

• Hospitalisation: In this case, it is a matter of deciding whether you want your Health Insurance to cover hospitalisations that may be necessary, either for a surgical intervention, a medical admission due to a delicate state of health or even giving birth to your child. The other option offered by Caser Expat Insurance would be without hospitalisation included. In this way, the coverage would be limited exclusively to medical consultations, diagnostic tests and necessary treatments.

• Reimbursement: Sometimes it happens that we want to visit a specific specialist, but unfortunately, he/she is not included in the team of doctors associated with our health insurance. In this type of situation, Caser Expat Insurance takes care of the patient's needs, trying to facilitate the patient's improvement, and covers up to 90% of the cost of that specialist. Thus, the patient is free to choose the specialist of his choice.

Sometimes we wonder if it is really worth taking out private health insurance, since, as we know, in Spain there is a public health system that is completely free of charge. If you have any doubts about this system, we recommend that you check the official website of the Ministry of Health.

Is it advisable to take out private insurance?

The answer is something personal that each individual must decide based on their needs and their own situation, but so that you can make the decision that best suits you, in the following lines we are going to tell you the reasons why almost ten million people in Spain opt for private medical care.

• Normally, the Spanish Health System is overcrowded with a long list of patients requesting consultations, medical tests and surgical interventions that cannot be covered by the health staff. That's why the private medical insurance option guarantees that you can skip the waiting lists and go directly to the specialist of your choice.
• Because it is less crowded, the private health insurance service can offer you a much more personalised treatment, both in medical matters and in comfort; it guarantees the opportunity to rest in a private room in case you need to be hospitalised.
• In addition, private health insurances offer a higher level of digitalised services, facilitating remote consultations via chat or video calls, as we discussed previously at the beginning of this article.

Now that you know everything you need to know, you can compare health insurance from Caser Expat Insurance.

It is important to bear in mind that Caser Expat Insurance, together with its team of specialists, covers all these needs that may arise on a day-to-day basis. Knowing that there are professionals who take care of you when you need it and that you even have the option to ask for a medical second opinion when you really need it, is something that allows you to live with peace of mind and enjoy everything else. If you would like more information about the different Caser Expat Insurance health insurance, visit the Caser website.