Grumese Health Insurance or Medical Health+ Plan?

 

There are often doubts about whether to choose insurance or a health plan.

Let's talk about the differences so you can choose the best one for you. Of course, Grumese employees are always ready to advise you on the best solution for you.

Now more than ever, we realise that health is our most precious asset.

With the pandemic, queues have increased and there aren't always enough resources available as quickly as we'd like.

The private sector can be the solution and to access it more easily and at lower cost we enter the sphere of Health Plans and Insurance. However, few people know the difference between the two.

A health plan or health insurance can be the alternative to the NHS for those who need medical care more quickly and at a more affordable price.

 

Differences between Health Plan and Health Insurance

Plan	Insurance
Immediate use. You join the plan and can use it straight away, as soon as you receive your number.	Grace periods (in some cases it can take more than 12 months to benefit)
Same price regardless of age	The price increases with age
Existing pre-plan illnesses with the right to consultations	Illnesses existing before insurance are not covered
Low cost from €7.66/month	Higher cost. On average 50€/month
Exclusive use in partner doctors, clinics and hospitals (immediate discount)	Use in the partner network (immediate discount) or outside (with % cost reimbursement)
Tuition without tax benefits	Tuition With IRS Tax Benefits
More beneficial for health cases without hospitalisation or surgery	More complete for in-patient situations or surgeries

 

If you want free or discounted consultations and affordable healthcare - a health insurance plan is ideal.

On the other hand, if you want a service with hospitalisation or assistance in specific situations, such as surgery, health insurance is the solution. However, it has its limitations because you can't take advantage of it immediately and it doesn't cover pre-existing illnesses before you take out the insurance.

 

The 4 questions you need to answer:

- How much do I spend on healthcare each year?

- I'm looking for a solution for the whole family (children and parents too, and affordable healthcare for everyone)?

- Do I want a service that covers emergencies?

- What is my monthly budget for investing in a health plan or insurance?

 

When comparing the features of the Medical health+ Plan and Grumese Health Insurance, you need to think about value, but also about utilisation and access.

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Grumese Health Insurance or Medical Health+ Plan?