• April 26, 2024

A good strategy to deal with health problems is prevention, and one of the best ways to achieve this is through the coverage offered by insurance; however, of the approximately 120 million people in our country, only about 8 million have one; that is, 93% of the population does not have medical expenses insurance.

In an interview with GetQoralHealth , Gracia Becerril, Director of Health Products at AXA México , explains that currently there are many alternatives to hire medical insurance that not only help overcome eventualities, but also help a better quality of life because their coverage is very focused on prevention.

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Safe to your needs

In this sense, Gracia Becerril explains that currently a medical expenses insurance must respond to the specific needs of people, regarding their economic and health situation.

For this reason, alternatives should be sought that adjust to the different stages of a person's life, as well as the technological advantages and current advances in medicine, including in alternative therapies; such is the case of AXA's new product, a modular medical expenses insurance that can be adjusted to the different population profiles by age and activities.

It is not the same 20 years later ...

Because more than 55% of health spending due to emergencies comes from the pocket of the same people, it is important that they know this type of modular scheme in medical expenses insurance, since it will allow them to cover both eventualities and risks during the different stages of life.

The basic coverage of a modular scheme allows to cover acute and catastrophic conditions, which mostly correspond to accidents and many of the complications arising from emergencies, which correspond to 26% of cases, in addition to those related to pregnancy and childbirth , transplants, dental coverage and prosthetics and orthopedics, among other services.

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As one goes from one stage of life to another, the needs change, they are not the same at 20 years old as at 40 years old. Therefore, it is necessary to take into account the recommendations made by the advisors, in order to modify insurance policies. medical expenses according to the economic and health situation (especially preventive) in each of them.

In accordance with the above, currently the annual insurance policy can fluctuate in the $ 5 thousand pesos, for a person of 20 years, up to $ 45 thousand, for a person of 40 years, differences that respond to the type of coverage in hospitals, benefits, amount of the insurance and deductible.

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