Private medical insurance for diabetics.Is it possible?
11/02/2009 12:19 p.m.
Hello everyone.
I am new in this forum and I would like to raise you a topic for which perhaps someone has already found "solution", but that is being very difficult for me (if not impossible).
I have been diabetic for almost 30 years (now I have 37) without any complication worth mentioning and with a rather "decent" control.
I am very interested in making a private medical insurance at a general level.I am very happy with the monitoring that my endocrine social security makes of my diabetes, but for other more general indole issues (flu, bruises, income related or not to diabetes) I would like to have this type of service, with which with whichI would have what I believe, better specialists.However, I find that the insurance that I have consulted reject me immediately because of the fact of being diabetic.
Neither Siquera pose the possibility of excluding diabetes or its consequences of insurance coverage, so that it among the rest of the possibilities (income for non -diabetic reasons etc ...).
I imagine that like me, there will be more people in this forum or you will know people in the same conditions ... do you know any sure not put those fights?Do you have any experience about it?
Thank you all.
11/02/2009 12:19 p.m.
I think the Forera Ana Poppe did one recently.
Was Asisa, Ana?
It is a roll but it's a matter of testing in all insurers ...
11/02/2009 12:48 p.m.
Hello,
Yes, I last week entering an "Asisa" where they accepted me very fast.A year ago and a little more I asked in a more pair I think they were Sanitas and ... Noo Em agreement but they did not accept me.My theory is that as we are in crisis, many have discharged and now they can no longer afford to reject those of the "diabetic group" hehe who rage but well we can take advantage of these circumstances.It is also a matter of asking many of these companies, now they may accept in many more than a couple of years ago.
What I don't know and has to get to me these days, is what things exclude me for having diabets.I will pay more or less 50 euros per month.
Greetings.
11/03/2009 10:38 a.m.
Anapp
The Ramones of Mapfre, after almost 20 years as an insured customer with the car, have rejected me.They have not even put exclusions, which would have been the most logical ... they have said no, and they have become so wide.I will ask in Asisa, greetings.
11/04/2009 10:10 a.m.
Nacho_71, is it an iniquity that rage gives me ... was this recently?
Well, today I went to Asisa and the truth is that I did very well ... They do not put any exclusions due to diabetes, paying around 60 euros per month.To start doing the paperwork they asked me for the last analytics, a report from my endocrine and another of the ophthalmologist and presenting that accepted me, the truth is that it is a fate that they are in this plan.That if, if I want to unsubscribe for any reason I can do it only in the month of December having to pay the entire full year, I suppose this is so because otherwise it may not come out profitable:?
Greetings.Ann.
11/04/2009 1:08 p.m.
Anapp
This is seen that everything in this life is money and money, when you are young and healthy they accept you everywhere, we have Adeslas, but of course we did when we were sanitos, sanitos, without any problem.The truth is that medical societies use them by speed, but I almost always turn to the SS, apart from diabetes I have two more chronic diseases, one of those diseases needs TTOS.Very expensive that always pays the SS, but what are analytical and tests always touches Adeslas, for me it is essential to have private medical insurance.So you can see Ana accepted you, I am very happy, but yes, paying the whole year in advance is an option not an obligation, usually if you accept that they make you a discount and if you do not pay for months or quarters.
Greetings,
Cloud
11/04/2009 2:41 p.m.
Diagnosticada en Agosto del 2009, solicite la curva de glucosa, diabetes melitus II, actualmente tomo Jentadueto, dos al día. Glicosilada 6,4
Hello,
After all the paperwork that entails ensuring in private medical insurance and more having diabetes ... I got it and there is my joy of having achieved it: d.This morning I called to make an appointment with the doctor who interested me (a specialist), and it turnsThe first quotes.That discourage mine when hearing this :(. In principle I don't think it's the fault of private medical insurance, but what do I do now? Can I claim somewhere? Is it the only doctor who interests me about this insurance and that's why I have assured myself and II have to do the idea of paying a whole year without using the services of this insurance at all?
Ann.
11/05/2009 6:01 a.m.
Anapp
I do not congratulate you because my experience with Asisa can't be worse.I carry my whole life in this company and it is true that you go when you want with the doctor you want but, in a matter of diabetes they are totally lost.My endocrine of Asisa, a great doctor, also works on Social Security and it was he who told me to go to Social Security because there was going to have an educator nurse in diabetes, and in Asisa no.Asisa has authorized me some sessions and now it seems to me that I will have to pay 200 euros every time I go to Social Security because Asisa no longer pays.My new endo is fabulous, in better hands I have not been able to fall, and the nurse has spent hours and hours with me teaching me everything.In my debut as a diabetic I have been a thousand times better attended in Social Security than in Asisa.
11/05/2009 6:21 a.m.
Auto, I the specialist doctor I need is a gynecologist whom I have tried to reach social security and have not given it to me either because he has many patients, so my last option was to arrive privately.
All the best.
11/05/2009 6:27 a.m.
Anapp
Ana have you tried to call Asisa and tell them what happens to you? When a doctor is good, she is always stopped, it has ever happened to me, with the first date it takes longer and if they have a long list of patients stop the commitments but always but alwaysThey take your data and they call you, to call the offices you do not lose anything, they also know that this doctor rejects the appointments.
Luck ;)
11/05/2009 11:45 a.m.
Diagnosticada en Agosto del 2009, solicite la curva de glucosa, diabetes melitus II, actualmente tomo Jentadueto, dos al día. Glicosilada 6,4
Hello cloud,
The truth is that I hadn't even thought about it and I have been spinning it all afternoon :?I will call the insurer and see that they tell me maybe they have the solution.Thanks: d
11/05/2009 3:32 p.m.
Anapp
I still think about it and I don't know why I haven't been able to call this insurance ... it's that there are days that really not even one and it happens very often hehe :?
11/05/2009 3:49 p.m.
Anapp
Bulls are always better seen from the Ana barrier, and sometimes neurons go away and I say this for myself.
Good luck: p
11/05/2009 5:35 p.m.
Diagnosticada en Agosto del 2009, solicite la curva de glucosa, diabetes melitus II, actualmente tomo Jentadueto, dos al día. Glicosilada 6,4
That a concrete doctor does not give you an hour is not Asisa's fault.In my city, in terms of gynecologists there are very good and you don't have to wait too long for them to serve you, but of course, it is something that depends on each specialist.If that person does not give you time, ask someone else to speak to you well, and do not worry anymore;)
11/05/2009 6:08 p.m.
Thank you all for your answers.I have been out several days and I have not been able to connect to the forum, but I get as a conclusion that I have to ask in Asisa to see.Actually, as I told you, the monitoring with the endocrine I want to continue doing it with the SS because it is doing very well.I want private insurance for more "generic" issues since I can't/I want to be waiting for them in some emergencies for my professional schedule.I am also interested in possible "complications" derived from diabetes (eyes, kidneys ...) that always seem to attend you better in private insurance ...
I'm going to try asisa to see.Mapfre has already denied it to me, and Aquensa (University of Navarra) after being bombing with cheap propaganda, also, in 30 seconds as soon as I said it was diabetic ...
Anyway, I will continue to inform you.
11/18/2009 5:05 a.m.
Hello everyone,
E :?: The last month I was discharged in a private mutual, in which I have not placed that I am a diabetic (due to the complication that the diabetics have, which at times seems that we have the plague to get private insurance, to theThat you also pay every month like everyone else), simply because I wanted private insurance for everything else, since as we are all happy with our SS endo.The problem comes to me now and I have become pregnant, and I don't know if I also go to the private one to make my echoes, etc ... someone could tell me if the private mutual could find out if I am diabetics, and if so,What could they do to me?
It is the first time I write in this forum, so I don't know if I have explained well.
Anyway thank you very much
03/08/2010 5:19 p.m.
Hello and welcome to the forum !!!And of course congratulations on pregnancy.
They would give themselves the first analytics, if they are only the echoes, they do not have to find out, but it would not make much sense, during the pregnancy of a diabetic woman certain things are seen more specifically.Indicators that blood glucose levels are not affecting the baby, such as the amount and liquid state ... they pay more attention to the measures of the baby and its weight ... what they would do if they know that you are diabetic ... I do not haveNo idea.But you can always make an anonymous call, that is, call without saying who you are and with the answer, you decide.
I have Asisa, but it doesn't cover me many things.I took it out many years ago, they accepted me already diabetic ... The truth is that they are covering my eyes operations and covered my entire pregnancy ... but they don't give me insulin recipes, or strips ...I would have to take a look at my poliza, the truth is that I have never done it ...
But I go for the SS.When I have gone to Asisa I have not had good experiences.I have not found the right one, but I have tried a few ... Anyway.Greetings.
By the way, does anyone recommend a gynecologist in Madrid by Asisa?It is for a routine review.I would have to have gone a few months ago, but to which I went ... Anyway ... he told me that as I had occurred to me to get pregnant being diabetic.As I told me I got up and left.So I've been very reticant to go to one again.
03/09/2010 7:54 a.m.
Hello! The truth is that I am not a diabetic, but I have been with other health problems for several months and that is why I am looking for information about private medical insurance, and I do not know very well where to start, so I ask you for your help.
I tell you, I have always had "Asisa", but not paying it month by month, but for being the daughter of officials, but when I started working I immediately went to Social Security.
The truth is that I have always been clear that when I lost the "right" to AsisWell now the time has come when I really need it, because I have been with traumatological problems for several months, but the SS does not give me a solution and it is also slow and desperate, in fact until July I have no appointment with the traumatologist, and I would needTest me to get to a clear diagnosis.
I would now do the insurance without hesitation for a moment, but the problem is that the insurance does not cover previous pathologies, so it would really not help me, right?, And as a second problem, it happens to me that I am currently on, so I don't know if Asisa will have access to this data, and therefore they will ask me to pay me, because for that .......
¨¨¨¨¨¨ What can I do
Thanks =
05/11/2010 8:28 p.m.
If you have a previous problem and they find out most likely they do not cover you anything ... anyone knows if in Insurance Health Asisa Is so?
06/03/2011 1:38 p.m.
By signing the policy I imagine that you accept the conditions that the contract puts ... and probably one of the clauses you put is that you do not suffer from certain pawstones.
As a rule, companies do not cover pathologies acquired before the firm, except agreement between the parties.
06/04/2011 3:57 a.m.