Why take out health insurance?

Winter is approaching, a time of flus, colds or colds, seasonal diseases that make more than one consider the option of taking out health insurance. Faced with the uncertainty of whether they will find the social security waiting rooms collapsed when they get sick, 77% of users decided to take out health insurance for its speed according to the Private Health Barometer 2015. However, agility in care is not the only plus that a patient with medical insurance could find. There are other advantages that make this type of product so widespread among the population. According to the Barometer, the attention received and comfort have been reasons mentioned by a third of those interviewed in the survey.

The 2015 Situation Analysis prepared by the Institute for the Development and Integration of Health (IDIS) indicates that more than 7.2 million citizens voluntarily maintain health insurance, regardless of the members of the Mutual Societies of State Officials (MUFACE) with private insurance.

Shorter waiting time for diagnostic tests

According to the Resa 2015 report prepared by IDIS, last year the private healthcare managed to reduce the waiting time for medical tests and visits to specialists. The study indicates that the wait for an MRI dropped from 12.56 days in 2013 to 9.62 in 2014, while computed axial tomography (CT) reduced times from 8.19 days to 6.38.

The waiting times in the health insurance contrast quite a bit with those corresponding to public health. The Private Health Barometer 2015 indicates that the time elapsed from when a diagnostic test was requested until it was performed was 7.5 days, while in public health it took an average of 41.8 days. In addition, the time elapsed from the time a diagnostic test was performed until the results are available was 17.9 days in public health and 5.3 in private health.

Primary care and Specialist

Primary care in outpatient clinics, as well as specialist care, is the most commonly used among insured users. The 2015 Barometer indicates that the outpatient consultation corresponding to primary and specialist care obtained an average score of 7.7 among its respondents. In addition, 83% of the interviewees rated it with 7 or more points on a scale of 1 to 10.

On the other hand, the possibility of choosing the specialist that the user considers, the treatment received by the staff and the trust and security transmitted by the doctor were the most appreciated topics, since they obtained an average score of 7.8 in the report.

As for the waiting times to access consultations with the specialist doctor, these have suffered a decrease in most cases. According to the Resareport, the average day in 2014 was 10 to 11. The specialty that most reduced its waiting time was gynecology and obstetrics, which went from 14.5 days in 2013 to 10.2 in 2014.

More agile and valued emergencies

The Private Health Barometer highlights that the majority of insured persons surveyed, specifically 86%, rated the service with a 7 or more, while the average rating stood at 7.9 on a scale of 1 to 10 points. The study also indicates that 7 out of 10 respondents highlighted the “best quality” of private center emergencies.

Services such as the care and attention received by the health personnel, as well as the adequacy of the facilities, were the most outstanding elements. However, the waiting time to be treated in emergencies was the worst rated issue with 6.9 points. At this point, the Resa report highlights that the average time patients wait in the emergency room does not exceed 24 minutes to be seen by a doctor. In addition, the rate of return 72 hours after discharge for the same diagnosis has been reduced to 2.7%, 0.3% less than in 2013.

Hospital Admission

The hospital admission received a score of 8.3 in the Barometer 2015,which places it as the best rated service of all those that have been analyzed. 9 out of 10 users of this service value the care received with more than a 7.

Of the 4 out of 10 insured who have been admitted on occasion, only 10% have been in the last year within the private health. The main reason for admissions was surgical operations, which accounted for 53% of cases.

Collaboration between private and public health

Private health complements, in many cases, public health through concerts between entities. This is mainly done to reduce the waiting lists of the public health system when the agreed objectives cannot be met. In these cases, agreements are usually made to perform diagnostic tests and other benefits such as therapies, dialysis or rehabilitation, according to the 2015 Situation Analysis Report carried out by IDIS.

In addition, they also collaborate through administrative concessions that include the management of health services and facilities such as hospitals. Today, there are already 9 operational hospitals based in the Valencian Community and Madrid. In this sense, Catalonia is the autonomous community that allocates more money to health concerts with private health, reaching 25% of the community’s health expenditure. Madrid, for its part, spends 10.8% on concessions, amounting to 834 million euros.

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