I have Private Health Insurance. Am I really covered?
Health is something we often take for granted. A sudden medical test, hospitalization, or unexpected event can make you realize the need for insurance and immediate support.
Problems and inefficiencies in public hospitals are leading more and more people to turn to private health insurance, seeking speed, quality, and access to better services.
"I thought I was covered, but in the end, I wasn’t."
Often, exclusions, coverage limits, and waiting periods are not fully understood from the beginning and that’s where the pitfalls lie.
What exactly is health insurance?
It’s the assurance that you will have support when you need it.
Purpose: To reduce or eliminate the financial burden caused by illness or accidents on your life and your family.
Most plans cover:
- Access to private hospitals in Greece and abroad
- Hospitalization and surgeries
- Treatments and rehabilitation expenses
- Exclusive nursing care
- Medical exams and doctor visits
Hidden Traps in Insurance Programs
NOT every program covers the same things or to the same extent.
Each company has different coverage, limits, and exclusions. By understanding these differences, you can avoid unpleasant surprises.
- The Fine Print
Low coverage limits may not be enough to cover your actual needs.
Υour cost-sharing should be clear and tailored to your budget. - Pre-existing or Congenital Conditions
Anything that happened before your insurance must be declared upfront. Otherwise, there is a risk you won’t be covered when you need it.
Tip: Some programs do not cover congenital conditions even if you weren’t aware of them! - Waiting Periods & Exclusions
Many programs have waiting periods or exclusions for certain conditions.
Tip: Some incidents are only covered after a specific period or may not be covered at all. - Hospitals & Networks
Before choosing a plan, ensure that the hospitals and doctors partnered with your insurance meet your needs.
Tip: Using non-contracted hospitals may result in additional costs. - Low Premiums
A low premium may seem attractive, but it often means less coverage and more exclusions, which could end up costing you more in the long run.
What to consider before choosing health insurance
- What do you need now, and what might you need in the coming years?
- Are you truly covered for all possible scenarios?
- What are your habits or hobbies, and how do they affect your insurance needs?
The Role of a Professional Insurance Advisor
You’ve already thought of the most important thing: what you need today and what you may need tomorrow.
A professional insurance advisor:
- Suggests the plan that fits your specific needs
- Ensures your policy runs smoothly without delays or paperwork issues
- Monitors your needs and recommends improvements for maximum coverage
Take the First Step
Take control. Be prepared for life’s unexpected health needs.
Health insurance is about preparation and smart choices. A tailored insurance plan provides security and protection for you and your family.
Each person and each situation is unique. The difference comes down to preparation.
What we can do for you, free of charge:
- Review your existing policy and identify any gaps
- Propose a tailored plan that matches your needs
- Handle all processes (hospitals, doctors, claims), so you can focus on what matters most: your health
- Monitor your needs and improve your plan to ensure maximum coverage