How much does it cost in Peru to be treated with and without private health insurance?

How much does it cost in Peru to be treated with and without private health insurance

Leading a healthy life implies having certain habits and precautions and having insurance that protects us in the event of an unforeseen event. However, in Peru, only one in 20 Peruvians supports a medical product. 

In a study recently carried out by Inmark to define the insured’s profile for a comprehensive health product from Pacífico Seguros, it was revealed that more than 35% of people expect coverage to be broad, that is, to be able to treat almost all illnesses.

In the second place, with 26.5%, it is immediate and timely care. Compared to other insurance options, the insured expect medical care through private health insurance to be quality and without waiting periods for care.

But, how much does it cost to be treated in the country with and without private health insurance?

How do you know what type of insurance is right for you?

Today insurers offer different alternatives. However, the convenience of choosing between one or another product must consider the characteristics of the insured and what they expect over time.

Along these lines, Pacifico specifies that comprehensive health insurance has complete coverage against various illnesses ranging from the treatment of cold to heart surgery.

“These insurances cover 100% accidental emergencies, as well as oncological treatments, annual preventive check-ups and have access to the Health and Well-being Program, which covers everything from maternity care to the treatment of chronic diseases”, specifies the insurer.

On the other hand, specialized insurance allows the insured to be protected against those risks that most concern him, such as cancer or coverage against emergencies.

Without insurance and facing an emergency? Know your rights!

Just because you don’t have health insurance doesn’t mean you’re without protection. Know your rights.

As an uninsured individual, you may not know what rights are available to you in an emergency. You have the right to emergency care if you meet the federal guidelines for what constitutes an emergency.

So what qualifies as an emergency?

  • Any incident that is serious or life-threatening,
  • Any incident in which bodily functions or organs are seriously impaired,
  • Any incident in which labor is imminent in a pregnant woman.

No matter your insurance situation, hospitals, and urgent care must provide adequate care if your situation qualifies as an emergency.

Some of the visits do not qualify under the formal definition of an emergency:

  • Going to an emergency room for care that is not life-threatening
  • Visit an urgent care center for non-life-threatening events
  • Prenatal care, wellness checks, screenings, follow-up appointments, or ongoing doctor visits
  • Situations are not considered life-threatening, such as the flu, colds, rashes, etc.

Once your immediate situation has been assessed and stabilized, your hospital may choose to transfer or discharge you.

Please keep in mind just because you go to the emergency room, it does not mean that you will be seen if your situation does not constitute an emergency.

Additionally, just because you were treated despite not having insurance does not mean that the visit is free. You will be responsible for the entire bill and will have to make a payment arrangement with the hospital. Consider asking for charity care options or discounts that may be available to help offset some of the costs.

By Master James

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