Health plan versus health insurance. discover the differences


The need to take out insurance or a health plan has become increasingly pressing. But the truth is that not all Portuguese are able to dedicate a large part of their budget to this purpose. What makes the decision, often, for health plans, usually cheaper, although they do not protect the risk as insurance, as they are more complete.

The payment methods differ: those who have a plan pays the expenses out of their own pocket, with discounts included. In health insurance, you pay an amount (a kind of co-payment) and the rest is covered by the insurer directly to the provider, or reimbursed to the user. You can take advantage of the plans immediately after joining, while in insurance there is usually a grace period (between 60 and 90 days), which increases in the case of a diagnosed disease.


Source: Expresso by expresso.pt.

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