Private Insurance & Type I Diabetes

Joan111 said:

jriuris said:
a doubt that serves me following this thread ... the exclusions of insurance also affect the insurance of the insurance ofjourney?If I want to go to Japan on vacation and I want to make insurance in case something happens to me (I break a leg, for example) do they also exclude me?

I don't think so.It is different from medical insurance

jriuris said:
jriuris said:
a doubt that serves me following this thread ... the exclusions of insurance also affect travel insurance?If I want to go to Japan on vacation and I want to make insurance in case something happens to me (I break a leg, for example) do they also exclude me?

No. It is another type of insurance other than health.

You always have to look at the conditioning of the policies.I think I remember that they do not cover the aggravations of previous pathologies, but obviously the rest does enter, although I already mentioned that the difference with the coverage of the cards of the cards of

ESN USA, if you do not declare all the diseases you have had in your life, do not cover you.They back and do not pay.

I do not want to think about what can happen to us without this public health we have.The health care we have in diabetes and its complications is the best or the best in the world.

Regina:
Condemned to spend a very good money only on insulin, that although the "inventor" declared her free of patent charges, manufacturers have mounted a system to profit, so they regularly appear improved insulins.In the US there have been cases of diabetics who died due to the need to reduce the doses for not being able to pay them.Let's add the needles, the sensors or reactive strips ... and when the complications appear, let's not even talk.I only in several medications with a recipe for about € 35/month in pharmacy, imagine without the contribution of the SS and unregulated prices, because we must not forget that the prices of the products prescribed by the SS are negotiated well below theLaboratory ambitions.
But well, we are here and now fortunately.
The last time I was in Dominican a brother -in -law of mine was still punctured with syringe.
A Moroccan worker from my clinic asked me how I could send insulin bolis to her mother.And a couple of years ago my Pakistani hairdresser the same for a newly diagnosed friend.
Greetings!!

I had to travel to the US 7 years ago and I had broken a leg 5 months before, it seems that having been in the operating room in the last 6 months is more "sin" than diabetes 1. total, I could do it with bup, theMatrix of Sanitas (Sanitas got in profile ...), an accessible and full health insurance, diabetes included in writing.
With the bank the battle was more fun, they asked me for a medical examination, I did it and I gave it to him in the envelope with acknowledgment of receipt, warning the employee that if some of the content appeared on social networks, there would be consequences.A week later they returned it as is and, logically, they did not accept to do the insurance with their company, yes, they paid the amount of recognition.So I started looking and I found one that did it for an overprint of 4 per thousand.I did it, I took him to the bank and asks me if I have put the bank beneficiary in case I died.The laugh was heard in Peru.Beneficiary, my wife, was not missing anymore, and after she is understood with the bank.The year I followed the insurance, everything was already signed in a notary, so for what?

Juanluis1957:
Well played.In another order of things I will tell you that you are legally obliged, I think, to record in the insurance policy the existence of a mortgage loan with such an entity.In the case of death if you try to execute the inheritance “you always have to die” (never better 😅) to public deed, which in this case is in the credit entity.Then already in case of fire, earthquake or whatever the insurers no longer know as they do, but legally the first beneficiary is the entity that I have granted you the mortgage.
Greetings!

@Warholism said:

Hello.This week I tried to get private health insurance and all the insurance companies closed their doors for me because I had DB Type I. Without the option to exclude care related to this pathology and its possible consequences.

Anyone here who has been able to get insurance recently (Spain)?Would it be a good idea to try to do it by hiding this condition?

I read you.Thanks 🙂

NO, DON'T DON'T TRY AND THE INSURANCE COMPANIES ARE NOT VALUE AT ALL

Yo tengo seguro de salud con Fiatc, desde la asociación de diabéticos de Guipúzcoa en este caso me informaron de su existencia

y respecto a los seguros logados a hipoteca creo que me cubren fallecimiento pero no invalidez

Currently, and after many years with private insurance, I do not have any and I am 100% cared for by the public. I wouldn't even think of getting private insurance again, not even if they gave it to me! How did I have private insurance before? Well, as they have said, because of my old job that offered private insurance offers even though I had diseases that were prohibited for private insurance, such as diabetes, because if not, it was impossible to get it because it was considered a serious illness. Furthermore, at that time of the offer and, because I did not have a place of residence that would last more than 3 or 4 years, I considered it the best option to only make an appointment with the endocrinologist I chose in the town where I will be assigned for work. Speaking of the medical care of those different private endocrinologists, well, I had to explain my entire journey with diabetes for the care they gave me, not like in the public one where, since everything is registered and centralized, any new endocrinologist has access to your entire history. Also, fortunately since I hardly had any complications, the check-ups were practically just looking at my diary and giving me a couple of instructions or a change of insulin, easy, come on. On the other hand, in this time of private insurance, when I did not have a co-payment, the monthly payment of a not small amount was subtracted from my payroll, in addition to what we all already paid for Social Security that I did not use at that time. For colds and other nonsense, very good, the next day the doctor saw me and sent me the appropriate antibiotic.

The bad thing was when I had illnesses, such as a cervical disc herniation with chronic residual neuropathic pain and an operation complicated by the accesses that had to be performed. At that time, the deadlines for care and solutions in private healthcare were already prolonged and, practically all of them, they told me that they would operate on me but that to do so they recommended that I go to the public one, due to the quality of the hospitals, devices to use and care in case of any inconvenience, which meant that, if in the end for what was important they themselves sent me to the private one, then I decided to stop deducting that money from my salary.

In summary, although it is true that the public must be provided with more professionals to shorten waiting times, I WON'T GO CRAZY TO THE PRIVATE ONE! For what is important, they disappear, but yes, they want to charge you at a gold price, while we are paying public Social Security that has the best professionals and the best resources and hospitals.

I don't pay a million for a simple cold, the truth is, and what we should fight for is to reinforce Public Health with more professionals to reduce waiting times and that will begin to be fulfilled when communities do not divert so much money from their budgets to Private Health that, when push comes to shove, is not going to respond to you.

Sorry for the blurb but, as I said, I DON'T ACTUALLY WANT PRIVATE HEALTH!!

yo pienso que la sanidad publica es muy buena, pero no faltan profesionales, sobra mucha gente, que utiliza los servicios recién llegados desde el extranjero y los que llevamos muchos años cotizados y pagando nos toca largas colas de espera, deberia haber unas condiciones minimas para su utilizacion como en otros paieses