Finance and Technology, Health Insurance

We want to know your opinion about the costs of purchasing a health insurance policy.

In Venezuela, before the 1990s, any employed person could have health insurance or it was provided in the employment contract. With the crisis, everything changed for the worse. Currently, you cannot have health insurance because most people only spend on your food. Corruption, the waste of the genocidal government, the gift of recourse to other nations, poor planning among other things, triggered the hyperinflation of recent years and thus reduced the ability of Venezuelans to have decent insurance, in the same way the insurers lost market and only a few survived by dedicating themselves to other basic policies such as those for vehicles that are mandatory by law, which from my experience are useless. Before 2018, people had insurance policies that covered them in bolivars, bolivars that in a short time were devalued, leaving the insured unprotected since, for example, it was only enough to buy a few medicines.

Name some health insurance that, in your opinion, are the best in care and prices. Give a brief explanation.

Unfortunately, I don't have medical insurance or my family, so I can't say which insurer is the best, I would have to be insured with several companies and have the bad luck of needing it and see with experience which one would provide the best service. But if I have heard of people who have insurance, and their experience is not good at all; When they came to need it, they were surprised at the clinic that the insurance did not pass, it is a terrible situation when it is most needed, and paying the insurance monthly for years, besides that it is not cheap because they are in dollars. This particular company Seguros Mercantil makes you believe or they paint you wonderfully, that you will be cared for, that you have safe medical assistance, and you have a feeling that you are covered by an insurance policy and when you see a need to use it they do not have it, they allege that the clinic does not adapt to the insurance and the clinics say that the insurance does not pay or takes a long time to pay. It is a conflict of interest that the insured pays, even when initially receiving care, if the insurance authorization does not arrive, the clinics do not begin to provide any medication, this is unfortunate, and even if it is in an emergency, this is not It does not apply to all insurances and not to all clinics. Regarding the cost, an insurance can vary depending on the coverage that goes from 20,000 to 10,000 dollars with installments of 450 to 350 per year, with financing.

What is your budget and/or monthly spending on health items and visits to the doctor?

Since insurance cannot be counted on, the option is always the same, to go to the deteriorated public system, and in particular it has become necessary to have a "mattress" for emergencies and this ranges from $300 to $500. The medicines that are bought monthly are necessary and between 40 and 80 dollars a month are spent, these are normally for the elderly and who have a lifelong treatment.

Do you think it is necessary to have health insurance? Give us your opinion.

With the current situation in the country that has not improved at all, it is better not to have insurance, I think it is better to have a mattress for emergencies, and if you get additional income during the month, pay for that mattress.

There is a system between families, in which everyone contributes each year and in theory some family needs it during the year they resort to it, so everyone has a collective mattress in case of emergency, and if it is not spent it grows.