SERVICE
Complementary health insurance service
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Our plans provide you with the tools and benefits you need.
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AV Prada has important allies that offer a variety of programs and services to ensure your health and well-being.
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We manage your health needs on an ongoing basis to keep your plan up to date and adapted to your current needs.
Frequently Asked Questions
Supplemental health insurance generally covers a variety of services and treatments that the basic insurance does not include. This may include:
- Dental and vision services: Dental treatments, eyeglasses, and eye exams.
Specific drugs and specialty treatments: Expensive or specific drugs that are not covered by basic insurance. - Alternative therapies: Acupuncture, chiropractic, physical therapy, and other complementary therapies.
- Mental health care: Sessions with psychologists, psychiatrists and other mental health professionals.
- International coverage: Medical care abroad, including travel emergencies.
- Rehabilitation and preventive services: Rehabilitation programs, preventive medical checkups, and additional immunizations.
The cost of supplemental health insurance is determined based on several factors, including:
- Age and health status: Older people or those with pre-existing health conditions may face higher premiums.
- Type and level of coverage: The broader and more comprehensive the coverage, the higher the premium.
- Medical history: A medical history with chronic or frequent illnesses may increase the cost.
- Number of dependents: The cost may increase if dependents are included in the policy.
- Geography: The cost of medical services may vary by region, which affects insurance premiums.
- Insurer: Different insurance companies have different pricing structures and levels of coverage.
The claims process for supplemental health insurance generally follows these steps:
- Consult the policy: Review the terms and conditions of your policy to understand which services are covered and which are not.
- Gather the necessary documentation: Include medical bills, prescriptions, and any other documents that support your claim.
- Complete the claim form: Obtain the claim form from your insurer, either online or in physical format.
- Submit the claim: Send the completed form along with the required documents to the insurer. This can be done by mail, email, or through the insurer’s online portal.
- Wait for the response: The insurer will review your claim and inform you of approval and reimbursement. This process can take anywhere from a few days to several weeks, depending on the insurer and the complexity of the claim.
