What's the difference between prepaid medicine and health insurance in Colombia? These are their characteristics.
Due to the current crisis in Colombia's healthcare system, interest among Colombians in purchasing prepaid medical plans and health insurance has grown substantially.
According to data obtained by the Colombian Federation of Insurers (Fasecolda) and the Colombian Association of Integral Medicine Companies (Acemi), around 4.7 million people have additional health plans , which demonstrates the interest of people in accessing the variety of benefits they offer.
Prepaid medicine and health insurance policies Photo: iStock
Despite citizens' preference for accessing these private health services, some are still unaware of the differences between the two. Therefore, we invite you to learn more.
What is the difference between prepaid medicine and health insurance policies? QueSeguro.Co , the website specializing in comparing and ranking EPS, health insurance, and prepaid medicine, mentions the characteristics of prepaid medicine and health policies:
Prepaid medicine and health insurance policies Photo: iStock
- It is regulated by the National Health Superintendence.
- It covers preventive and curative medical services, including consultations, examinations, and hospitalization.
- Payment is made monthly in fixed installments.
- You have access to a private network of specialists, without the need for prior authorization.
- If hospitalization is required, users have access to high-quality private clinics and hospitals.
- Members have immediate emergency services at private hospitals.
- The cost will depend on the plan you choose, taking into account your budget and needs.
Prepaid medicine and health insurance policies Photo: iStock
- They are monitored by the Financial Superintendency.
- Individuals have the option of accessing broader coverage, which may include hospitalization, surgeries, and specialized treatments.
- An annual premium is paid, with possible co-payments and deductibles.
- To access services with specialists, prior approval from the insurer is required.
- Coverage includes hospitalization in a network of national and international hospitals, depending on the policy.
- If you need to access the emergency room, prior validation may be required in some cases.
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