A Special Health Insurance Plan
There are different types of health insurance plans. There is a plan in Spain that will give coverage for specific illness. This plan is mostly used by people who work from home or have their own business.
If you are self-employed, the cost of disease and economic loss are higher and riskier than if you were employed with a company. This justifies the need for an affordable specific health insurance plan. These policies are beneficial for the insured because they cover all the costs regarding a specific disease plus all the expenses that it implies like: hospitalization, medicine, or temporary disability.
If you bought one of these specific illness health insurance plans, you are protected against the effects of that specific illness. When the illness hits, the insurance company compensates the insured for what the contract establishes. The compensation provided by this health insurance plan helps the self-employed to cover for the economic loss for the time he or she was ill.
When under this plan if you needed surgery, the health insurance plan would cover the costs related to the surgery. There are indeed minimum and maximum levels of coverage depending on the type of policy you have. If your surgery involved a series of procedures and you were only covered for a limited number of them, your policy would still cover part of them. To calculate the coverage take the most expensive procedure, this one would be covered in 100%, the second would only be covered in a 50% and so on. Your policy would also determine for how many days you can be hospitalized. The simpler the procedure the more number of days your policy will cover. Simple coverage goes up to 360 days and goes down to 120 for complicated procedures.
When you work at home or when you have your own business, these kinds of health insurance plans would give you an allowance in case of temporary total disability. You will be compensated, on the basis of your insurance contract for the number of days you are not able to work. This also applies during hospitalizations and it lasts until you are discharged from the hospital.
It is very important to know the restrictions of this type of insurance for specific sickness. Generally, the diseases that are excluded from compensation are those restricted by age or pathological diseases, chronic diseases, pre-existing conditions, congenital, occupational accidents, mental illness, AIDS, caused by drug addiction or alcoholism, epidemics, among others.
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