Durante las últimas décadas, los seguros de Salud, sobre todo las modalidades de Asistencia Sanitaria (Cuadro Médico) y Dental, han registrado una más que notable evolución en España en número de asegurados. Hay que tener en cuenta que en España contamos con un sistema de salud universal, al que todos los ciudadanos del país tienen acceso de forma gratuita por lo que, en caso de que esto no fuera así, la penetración del seguro de Salud entre la población española superaría con creces el 23,4% que registra en la actualidad. De todas formas, se trata de excelentes cifras, por ejemplo, en 2020, según los datos hechos públicos por el IDIS, dos de cada diez urgencias médicas y tres de cada cuatro intervenciones quirúrgicas fueron atendidas por la sanidad privada. Pero, ¿cuál o cuáles son los motivos que se encuentran detrás del auge de la sanidad privada entre la población española?
- Evitar las largas listas de espera de la sanidad pública. Por un lado, como bien es sabido, la masificación del Sistema Público de Salud es una realidad que cada vez afecta a un mayor número de pacientes. Pues bien, en el caso de que contratemos una de estas pólizas de Salud, las largas listas de espera que soporta la Seguridad Social dejarán de ser un problema para nosotros. No obstante, contar con una póliza de Salud privada en ningún caso te impedirá el acceso a la sanidad pública.
- Libre elección de profesionales y centros médicos. Otra de las ventajas que los seguros de Salud (Asistencia Sanitaria, Reembolso de Gastos o Dental) proporcionan al asegurado reside en que le ofrecen la posibilidad de elegir tanto el profesional sanitario que queremos que nos atienda como el centro asistencial, clínica o hospital en el que deseamos ser atendidos.
- Hospitalización en habitación individual. Asimismo, en caso de hospitalización del titular o de alguno de los beneficiarios de la póliza, el periodo de estancia en el hospital será en una habitación individual que, a su vez, se encontrará equipada con una cama para el acompañante; circunstancia que tampoco se da en la sanidad pública española y que, desde luego, es un factor que juega en su contra.
- Consultas telefónicas y videoconsultas. En la actualidad, podemos encontrar numerosas pólizas de Salud que ya incluyen tanto la asistencia sanitaria telefónica como la videoconsulta. es un aspecto que también marca la diferencia.
- Centros asistenciales equipados con los últimos avances médicos. Por otra parte, detrás del cada vez mayor atractivo que tienen este tipo de seguros para sus usuarios también están las instalaciones y centros médicos a los que tienen acceso.
- Atención dental. La mayoría de las pólizas de Asistencia Sanitaria que se comercializan en España incluyen cobertura dental. Una garantía que, sin duda, es mucho más amplia que la ofrece la Seguridad Social en ese sentido. Por ejemplo, servicios y pruebas como radiografías, limpiezas e incluso periodoncias, que no están incluidas en la Seguridad Social, si lo están en gran parte de estos seguros. Además, se trata de pólizas que también pueden proporcionar acceso a un gran número de tratamientos bucodentales con importantes descuentos.
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