Understand the difference between individual, family and group health plans

Understand the difference between individual, family and group health plans

In addition to knowing the main points, it is important to list the services that are available on the market

Health plans are an essential service these days. With them, people have access to a network of doctors and professionals, examinations and other benefits to take care of their own health and have a better quality of life.

However, there are several types of health plans and it is necessary to analyze the main characteristics of each one before choosing yours. See the differences between the plans to find the right one for you.

Difference Between Health Plans

In addition to knowing the main points, it is important to list the services available in the market, explaining more about each. This way you will already know what they cover and how they work.

The individual health plan, for example, is important. This service is closed directly between an individual and the operator. In this model, the beneficiary guarantees a wide network of services with doctors and specialists who can help him take care of his health.

In the case of the family health plan, contracting parties also benefit from extensive coverage of treatments and medical consultations. However, the operators require that there is a link between the beneficiaries. In this modality, they must be married, parents or partners in a stable union.

Another type of health plan available in the market is the group. According to the National Complementary Health Agency (ANS), this model has two distinct segments: business and membership.

In the first module, the beneficiaries are linked to the contracting party, which is a legal person, by an employment or statutory relationship. In the affiliation plan, the beneficiaries are linked to one or more legal entities of a sectoral, class or professional nature. Both options allow policyholders to include dependents in the service – depending on the operator.

Main features of each plan

The main point of attention of the individual health plan is the possibility of concluding a contract without the need for a connection with companies or entities. In addition, in this case, the system helps in prevention and health promotion, generating consultations and quality exchanges.

In the family plan, the main feature is the ability to add dependents to the service. In this way, children and spouses, for example, can be fully insured and covered.

In the case of the business plan, the service is fully or partially supported by the company itself and, in general, it is possible to add dependents. Thus, the employee and his family will have access to all the services available in the plan, which can be paid for by the employer or operate in co-participation mode.

Finally, the membership plan is an excellent option for unions or representative institutions that wish to acquire a benefit for their employees. In this case, the service also receives all the benefits of the other group model and beneficiaries have the option of adding dependents to the plan.

best plan for you

Choosing an ideal family health plan template is very personal. And this must be done taking into account the needs and expectations of users. But when it comes to individual modality, Kipp Saúde may be the best plan for you.

Kipp Saúde has quality services, with qualified teams, 100% online membership and no bureaucracy. Kipp’s plans aim to bring the patient closer to Ekipp Health, promoting health and well-being through technology.

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