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Frequently Asked Questions
Can I get coverage if I already have a health plan?
It depends. Some people consider changing their plan or coordinating benefits, but this varies by insurer and plan rules. Each case is reviewed individually to avoid duplication or unrealistic expectations.
Do I have to use a specific network of doctors or hospitals?
Yes, in many plans. Network availability and coverage depend on the plan type (e.g., HMO/PPO or other options). There may also be differences between in-network and out-of-network services. This is validated based on the plan you select.
Invest in your health with support and confidence. Book a free consultation and learn about your options.
Access private health insurance options tailored to your professional needs. Health insurance helps you manage healthcare costs through a plan with benefits, rules, and a provider network as defined by the contract. We evaluate available alternatives for professionals and families who want more control over their access to medical services and their financial planning for health-related events. Schedule an informational consultation (free of charge/no obligation to purchase).
**Educational information. Plans are subject to eligibility, terms, limitations, exclusions, and insurer/administrator approval. Benefits vary by plan.**
Who is it for?
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Self-employed professionals without employer-sponsored insurance.
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Business owners and entrepreneurs who wish to explore individual, family, or group options (subject to availability).
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Families seeking alternatives to the government plan, subject to eligibility.
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Individuals who travel frequently and wish to evaluate coverage options outside their primary area, depending on the plan.
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Health Insurance
How does it works?
The insured pays a premium to maintain coverage. When using services, the plan may require copayments, deductibles, referrals, or pre-authorizations, depending on its rules. Some plans offer additional benefits (for example, dental, vision, or maternity coverage), if included and subject to waiting periods, eligibility requirements, and contract conditions.
Key Benefits
Access to networks of hospitals, laboratories and specialists according to plan availability.
Coverage for common medical services (consultations, emergencies, hospitalization, diagnostic studies), according to limits and deductibles/co-payments.
Options for local, national or international reach depending on the product and territory covered.
Possible options include individual, family, or group options, depending on eligibility.
Guidance on the plan selection process and basic use of benefits (e.g., understanding deductibles, co-payments, pre-authorizations and documentation).
Stages of the Process
Initial profile: medical and family need, budget, frequency of use, travel and network preferences.
Comparison of options: review of plans, networks, deductibles/co-payments, limits and relevant exclusions.
Application and activation: process subject to eligibility and approval by the insurer/administrator.
General support: guidance to understand renewals, plan changes and responsible use of benefits.