Patricia decided neurological disorders two years ago to hire a cancer insurance. His mother suffered from breast cancer and the high costs incurred during neurological disorders their four operations that had to undergo further treatment and was taken to choose a specific insurance contract case.
As Patricia, Peruvians are increasingly choosing to purchase this type of insurance specific to insurance companies an economical for those who can not afford conventional neurological disorders insurance alternative, but raise questions about the scope of coverage of private insurance conventional and public health.
EsSalud neurological disorders has over ten million members neurological disorders and is the institution neurological disorders that serves more people with cancer each year, 60,000. With unlimited coverage without exclusions. "Private insurance cost and have deductibles, co-pays and limited coverage. We have compared. Policyholders neurological disorders provide neurological disorders S /. 150 a month and go around, "says Henry Maquera, EsSalud assurance manager, who recognizes that the care centers is not immediate, because the body has increased by 50%, the number neurological disorders of insured in five years, neurological disorders but not in the same as their performance based specifications.
It is a determinant for specialists in making the decision to purchase private insurance, leading to population gives Essalud in some cases to choose to have an alternative to the private side factor. "The service is good but the problem is they have no ability to respond. Can not meet all their market, "says Gino di Bello, MBA Professor of Health UPC.
The same applies to Di Bello in the case of the Ministry of Health, which began in 2012 Esperanza Plan to improve the comprehensive cancer care and access neurological disorders to cancer services and covers the seven most common cancers Peru. "In our first year we served 27,637 patients.
Our insurance does not stop, we're even paying bone marrow transplants abroad, "says Cecilia Ma, president of the Marketing Plan Commission and professor of Hope ESAN. For Ma to private insurance is used for the convenience of staff, one of the main challenges of the plan along with the progress to comprehensive care. A delay in added health care as factors that have driven the demand for private cancer insurance, according to experts, increasing purchasing power and greater access to information on cancer, three years ago the second leading cause of death in the country, considered the 'catastrophic' medical neurological disorders field for the individual, but also for its economy.
I happen to be an oncological disease without insurance costs an average of S /. 150,000, and in more advanced cases more than S /. 450,000. "As the years progress we have better neurological disorders cancer treatments than before, which also makes it more expensive," says Guido di Bello. neurological disorders
Private coverage. Currently the insurance market offers a range of oncology products and holistic health, which, according to insurers guarantee coverage costs an oncological disease and targeted especially for socio-economic sectors A, B and C. "What we have today oncology have comprehensive insurance as conventional insurance, "explains Claudia Rozas, manager of health care Rimac. "If you have comprehensive insurance you are probably quite covered. You can give the type pairings have comprehensive coverage in Peru, complemented by an international cancer neurological disorders insurance, "says Juan Carlos Olivera, Pacific Insurance. However for Cecilia Ma, traditional private insurance because no cancer care is financially neurological disorders catastrophic illness and not covered or covers up a financial buffer. "That obviously neurological disorders does not relieve you," said the teacher.
With regard specifically to cancer insurance, Rimac Seguros offers a product that covers 100% of the cancer disease, and, as Claudia Rozas, including complications from cancer, for an average of S /. 40 a month, depending on the age. Pacific Insurance, meanwhile, has three types of products, total international oncology cancer and serious illnesses, whose maximum neurological disorders annual benefits range from S /. 3 million to U.S. $ 1.25 million, with the possibility of having diagnostic abroad without restrictions on the network. The first is the average neurological disorders price of S /. 32 per month, while in the case of international is S /. 54 and S /. 70 in the case of serious illness, and contrasting with the S /. 500 comprehensive insurance. ONCOSALUD other hand, offers four types of insurance: a classic insurance; Oncoplus, with coverage of expensive drugs; Oncovida, for those who have previously had cancer, and Oncosénior for over 65 years. In the case of
