Health Insurance

Health insurance is a policy under which an insurance company takes on, within the plan limits, medical care costs such as doctor visits, hospital stays, surgeries, tests and medications. The insured pays a periodic premium, the amount of which varies according to the plan, age and other factors, and in some cases also deductibles or copayments.

Care is usually provided through a provider network and is subject to exclusions and limitations, such as waiting periods or pre-existing conditions. That is why it is important to read the conditions and complete the health declaration truthfully. The purpose of this insurance is to help individuals and families face high medical expenses.

I am Cinthia Careaga de Camé, Insurance Agent with License No. 2552, and I serve clients from Hernandarias, Alto Paraná. I do not provide medical services or issue policies: I advise you and act as intermediary with the insurance companies authorized by the Central Bank of Paraguay (BCP), which are responsible for the plan benefits.

• Personal advice: I analyze with you who will be on the plan, their ages and which benefits are a priority.
• Clear information: I explain the provider network, waiting periods, caps, copayments and exclusions before you purchase.
• Management and support: I take care of additions, removals and renewals, and I guide you with the company when you need an authorization or a reimbursement.

The details of the people who will be on the plan are generally enough. The insurance company usually asks for a health declaration and may request tests or additional information.

• National ID card of the policyholder, or RUC (tax ID) if a company is purchasing.
• Number of people to include and their dates of birth.
• Type: individual, family or corporate.
• Benefits and hospitals you prefer.
• Estimated monthly budget.

The quote is a no-obligation request and does not commit you to purchase.