Individual health insurance is designed to cover treatment costs at private healthcare providers that you may need as a result of illness or accident. Alongside inpatient costs such as surgery, intensive care and hospital stays, outpatient costs including consultations, tests, imaging and medication can be included depending on the plan selected. The policy can also be arranged to cover your spouse and children.
With health policies, what matters as much as price is whether benefit limits, co-payments, waiting periods and the provider network suit your needs. Declaring pre-existing conditions before inception and understanding how they are reflected in the policy helps avoid problems later on. The final scope is determined by the special and general conditions of the chosen product.
Who is it for?
- Individuals who prefer treatment at private healthcare providers
- Families wishing to insure spouse and children together
- Self-employed professionals and business owners
- Employees without a group health policy
Scope of cover
- Inpatient treatment: Surgery, hospital stays, intensive care and related costs
- Outpatient options: Consultations, tests, imaging and medication
- Maternity benefit options
- Health check-up services
- Optional benefits such as dental and optical
- Emergency ambulance services
- Direct billing at contracted providers
Scope of cover, limits and deductibles are determined by the insurer’s general and special conditions; the final scope is set out in the policy.
The Proxima Brokers approach
Taking into account your medical history, budget and preferred hospitals, we compare plans from different insurers in terms of benefits, limits and co-payments. We help you complete the health declaration accurately and explain the policy terms in plain language. Throughout the policy we guide you through pre-authorisation and claims, and we review your plan again at every renewal.