If you cannot or do not want to get a complete health insurance plan, you can get one that gives your coverage only for a specific illness. In Spain, these health insurance plans are often bought by self-employed people.
If you are self-employed, the cost of disease and economic loss are higher and riskier than if you were employed with a company. This justifies the need for an affordable specific health insurance plan. These policies are beneficial for the insured because they cover all the costs regarding a specific disease plus all the expenses that it implies like: hospitalization, medicine, or temporary disability.
If you have a specific illness for which you would like to be covered, this kind of health insurance plan would be perfect for you. Under this policy, you would be compensated for the time you were ill. This compensation would help you overcome the loss of income you had during that period. This is especially helpful when you are your source of income and not working for a period of time is costly.
The compensation system most of these health insurance plans use are specific to the procedure given to patient. In this case, the policy establishes a maximum or single advance. However, when there are several interventions at the same time, the health insurance plan will compensate 100% of the most expensive one and 50% of the next and so on. The daily allowance for hospitalization during surgery is often refers to a maximum of 120 days, when the insured comes to a hospital for any other reason the maximum amount of days is usually 360 days.
These types of health insurance plans will give you coverage in case of disability when it hinders you from performing your normal activities. Different policies will have different coverage for the number of days you are not able to work. The allowance would start with the day you are hospitalized and stop when you are discharged.
It is very important to know the restrictions of this type of insurance for specific sickness. Generally, the diseases that are excluded from compensation are those restricted by age or pathological diseases, chronic diseases, pre-existing conditions, congenital, occupational accidents, mental illness, AIDS, caused by drug addiction or alcoholism, epidemics, among others.
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