Today we will talk about an important section of coverage of fundamental importance in all private health insurance . We will refer to diagnostic tests.
These are different tools and procedures to know the existence of a disease, disorder or condition, degree of intensity or level of forward or reverse. special or tests simply routine (but not dispensable) so that we can ensure that our health is adequate or, if not, what should be the next steps to try to recover. Most of us have made, or will make at some point in our lives, because they are that essential for good medical diagnostics and must be taken into account when we are thinking to purchase health insurance.
Diagnostic tests assume, therefore, an important first step for those who carry them out; well as subsequent measurement element a surgical operation; well at the start, continuation or completion of a medical treatmentgiven; or to offer tranquility, for sure, that we have been able to overcome some illness, injury or disease . Are crucial when it comes to enjoy adequate medical attention at present, and therefore part of the regular health care to serve the public in both public medicine and in private . The latter extends the range of tests available to customers that hire and usually shortens waiting times for interventions, as well as streamlining and help decongest the public system.
Read the conditions of the policy
Once outlined its importance, we will focus focus on your connection with bouquet of medical insurance.Speaking generally we must note first that almost all insurance companies in this field (if not all) include up to itsmost basic insurance . But that does not mean that the offer is essentially the same in this sense, it is always advisable to carefully read the policy.
Generally the most widespread and basic tests (radiology, blood tests, CT scans ...) are included in the basic insurance we hire whatever the company, but the most advanced may not be included and part of group of extended coverage. Therefore, we must analyze what to include our insurance and what not, especially without considering basic insurance options or low price.
These options, such as medical staff without hospitalization or the medical staff copayment , as normal is that charged us a small fee for every test we perform (radiography, radiology, ultrasound, cardiologic or ophthalmologic examinations, clinical laboratory tests, electrocardiograms ... ) or a higher amount in the case of other tests: MRIs, colonoscopies, endoscopies, scans, computed tomography (CT), eco-Dopplers in color ... it should also be noted that as is obvious there are other factors influencing the final price to disburse by our insurance, such as age, work or personal health circumstances of each.
Diagnostic tests, detail
Health insurance includes a wide range of diagnostic tests, although many of them are not part of basic insurance and to access them we must ourselves with extended coverage or pay them as a separate service thanks to copayments. Generally are these:
- pathology and cytology.
- Cardiology: coronagraphy, echocardiography, electrocardiography, cardiac catheterizations, and stress tests.
- Clinical analysis: biochemical laboratory tests, enzymatic and radioimmunoassay. Blood tests, urine, stool, sputum, semen analysis ...
- Nuclear Medicine: Nuclear scintigraphy studies of liver and biliary tract, thyroid, bone, lung and brain.Positron emission tomography (PET)
- Techniques of imaging: ultrasound, mammography, radiology (conventional contrast, invasive), eco-Dopplers, bone densitometry, nuclear magnetic resonance, organ punctures and aspirations, computerized axial tomography.
- Bronchial endoscopy (bronchoscopy), digestive and urological (cystoscopy, cystometry, urodynamics).
- Clinical Neurophysiology: Electroneurophysiology (electroencephalography, electromyography, evoked potential and polysomnography).
- Study by OAE.
- gynecologic tests: Amniocentesis, pap smears, hysterosalpingography.
- ophthalmologic tests: fundoscopy, visual acuity, tonometry, perimetry, angiography retina, optical coherence tomography.
As we have seen is a need for diagnostic tests and can not miss a good safe, informed and read the conditions and the policy will allow us to properly choose.