That the world is digital and that today it is possible to do everything, or almost everything, by the screen of the cell phone, is nothing new for anyone. But did you know that it is possible to hire health insurance online?
That’s right, you can not only research but also hire an online health plan.
And, thinking about the importance that health plans have today in our lives, we separate a step by step how you can hire health insurance online. After all, you can do this with comfort, safety and without leaving home.
Hiring an online health plan can be easier and safer than you might think.
Regulation of hiring online
First of all it is important to reassure you. The contracting of an online health plan is a practice regulated by the National Supplementary Health Agency (ANS), in a resolution approved at the end of 2016 ( Normative Resolution No. 413 ).
That is, this resolution ensures that you are using a valid and standardized method by the agency that monitors and controls the activities of private plans in Brazil.
What to do to hire health insurance online?
In general, the procedures for hiring an online health plan, which includes all documentation delivery and choosing the best health plan for you, takes up to 25 business days. The plan may begin to be used on the date of the first monthly payment.
In order to sign the contract and guarantee the legitimacy of contracting your plan, the documents may be signed via a certified electronic signature, digital certification or biometric identification.
So, if you do not want to take all the signed documentation to the broker, you can print the sheets, sign and initial the pages and return the signed document via scanning.
It is worth remembering that, just like any online purchase, when you contract online health insurance you may have the right to repent and cancel the purchase for up to seven days. This is guaranteed by the Code of Consumer Protection.
How is the online agreement?
The online contract should contain the same information available in the contract that would be carried out in person. When you sign up for an online health plan, you should confirm the following information in addition to your data:
- Species of contracting and all its details, such as the type of accommodation contracted;
- Which assistance segmentation the contracted plan belongs to;
- Business name and registration number of the health plan in ANS;
- Lack ;
- Pricing of the service;
- Area of action of the health plan;
- Geographical area of service and coverage of the plan.
What types of health plans can be hired online?
If you want to hire an online health plan, know that hiring is available for all modalities:
- Individual or family plans ;
- Business plans: for SMEs, small and micro enterprises, and for Legal Entity (PJ) or Individual Microentrepreneur (MEI) ;
- Membership : model made via class entity by association.
How to choose an online health plan?
Here in Porthos you can request your quote online for health plans for both individuals and legal entities. Just tell us some details about your profile that Porthos compares prices of the main health care providers in the market.
But if you still have questions when choosing, look at some of the tips that we’ve separated so that you have more security to hire an online health plan without headaches:
What is your profile?
First of all you need to keep in mind what your profile is as a consumer of health services. That is because, many plans offer various services and treatments, which, perhaps, are not so necessary for you at the moment. One example is to have an air rescue available.
The tip is you think about how your life is today with health care. Also think about how you would like it to be, with the ease of having a health plan and your coverage of care available.
From there, consider other details, such as hiring accommodation in a single room or if for you it is okay to stay in shared ward. All this without forgetting that the more complete your health plan is, the more expensive it gets. So try to balance your personal profile with the financial one.
Consider your health history
Before hiring an online health plan, another point related to your profile is also to recover all of your health history. So you can gauge what the best coverage you need. And that means remembering what diseases, surgeries and hospitalizations you have lived from your childhood to the present moment.
This information about your history is very relevant. It will also influence in hiring your plan, which will need to have all these references recorded on a form.
You, as the contractor of the plan, can not omit this information, as it may also be subject to a check-up requested by the plan itself. This request is made to confirm that you do not, in fact, have a pre-existing condition.
That is, be clear and true in your statements about your health so as not to generate any conflict. This also applies to members who will be dependent on you in the plan.
Keep an eye on the accredited network offered
You need to check which network accredited available by the health plan in question before hiring. It may not always happen to have that doctor in your family that you have been going to for years, or not to have that hospital that you already know and that is close to your home..
Having the assurance that you have affordable and quality medical coverage for your profile, without a doubt, your plan will be much better taken advantage of.
Another tip when hiring online health insurance plan is to evaluate the coverage of the plan. That is, which cities you can use your plan without worry. This is an important aspect, especially for those who travel a lot for work or a trip with friends and family. Plans with national coverage are ideal for this type of client.
Invest in your health
The costs with health plans can seem very expensive or out of your reality at first. But remember that it is an investment for your health and the ones you love.
With all these tips on how to hire health insurance plan online you have realized that you can compare the prices offered by different carriers. Thus, you put at the tip of the pencil at your disposal at this cost, and can find the best way for you to hire.
There are simpler plans, such as outpatient or hospital, with coparticipation and other details. They can be a good choice for anyone who wants to ensure a quality service while spending little.
The important thing is not to let go of your health. Search, make a quotation and take care!