{"id":57690,"date":"2022-09-27T01:00:17","date_gmt":"2022-09-26T23:00:17","guid":{"rendered":"https:\/\/lightweb.dev\/l\/svm-temp\/?p=57690"},"modified":"2022-10-07T17:03:55","modified_gmt":"2022-10-07T15:03:55","slug":"valj-ratt-privat-sjukforsakring-sa-gar-du-ratt-i-forsakringsdjungeln","status":"publish","type":"post","link":"https:\/\/lightweb.dev\/l\/svm-temp\/artiklar\/valj-ratt-privat-sjukforsakring-sa-gar-du-ratt-i-forsakringsdjungeln\/","title":{"rendered":"V\u00e4lj r\u00e4tt privat sjukf\u00f6rs\u00e4kring: S\u00e5 g\u00e5r du r\u00e4tt i f\u00f6rs\u00e4kringsdjungeln!"},"content":{"rendered":"

F\u00f6rs\u00e4kringar \u00e4r en komplex fr\u00e5ga och h\u00e4lsa \u00e4r ett k\u00e4nsligt \u00e4mne. S\u00e5 b\u00e5da tillsammans g\u00f6r det \u00e4nnu mer komplicerat.<\/strong><\/p>\n

\"\"

Av Elsa Lindvall, info@sanitasestepona.com, Sanitas Estepona<\/p><\/div>\n

N\u00e4r du ska teckna en privat sjukf\u00f6rs\u00e4kring i Spanien finns det n\u00e5gra punkter att t\u00e4nka p\u00e5. Var ska jag teckna? Med vem? Vilken t\u00e4ckning ska jag ha?<\/p>\n

Det finns flera tillv\u00e4gag\u00e5ngss\u00e4tt att ta reda p\u00e5 namnen p\u00e5 olika f\u00f6rs\u00e4kringsbolag:<\/p>\n

\u00b7 Plattform: kan ge dig en f\u00f6rsta uppfattning om olika leverant\u00f6rer och priser.<\/p>\n

\u00b7 Bank: En bank \u00e4r en bank och de hanterar dina pengar. Definitivt INTE din h\u00e4lsa. M\u00e5nga kommer in till v\u00e5rt kontor efter att ha tecknat en sjukf\u00f6rs\u00e4kring p\u00e5 banken utan att ha en aning om vad de tecknat. Vidare information och support ges av den allm\u00e4nna kundtj\u00e4nsten.<\/p>\n

\u00b7 Multi-agency: en byr\u00e5 som erbjuder sjukf\u00f6rs\u00e4kringar fr\u00e5n olika f\u00f6retag. De \u00e4r normalt sett inte specialiserade p\u00e5 n\u00e5gon av dem och involverar sig inte i de dagliga processerna utan du h\u00e4nvisas till den allm\u00e4nna kundtj\u00e4nsten.<\/p>\n

\u00b7 Online: Det h\u00e4r alternativet \u00e4r mycket lockande, s\u00e4rskilt om du f\u00f6rv\u00e4ntar dig ett omedelbart resultat. Men\u2026 saker och ting kan g\u00e5 fel och d\u00e5 har du ingen kontaktperson som hj\u00e4lper dig att l\u00f6sa det. \u00c4ven h\u00e4r h\u00e4nvisas du till den allm\u00e4nna kundtj\u00e4nsten.<\/p>\n

\u00b7 Kontor: N\u00e4r du har valt ett f\u00f6retag, v\u00e4lj sedan en filial till det h\u00e4r f\u00f6retaget d\u00e4r du f\u00e5r en personlig service. Att ha en personlig kontakt, att veta vem som finns bakom sk\u00e4rmen \u00e4r alltid en stor f\u00f6rdel.<\/p>\n

\u00b7 Rekommendation: Om en v\u00e4n har rekommenderat ett f\u00f6retag och en agent som de litar p\u00e5 – s\u00e5 \u00e4r det det allra b\u00e4sta!<\/p>\n

N\u00e4r du v\u00e4l har valt ett f\u00f6retag samt en agent som k\u00e4nns r\u00e4tt m\u00e5ste du v\u00e4lja r\u00e4tt produkt f\u00f6r just dig. Har du valt en bra agent b\u00f6r de hj\u00e4lpa dig med detta. Till exempel: vill du ha helt\u00e4ckande eller partiellt skydd? Vill du anv\u00e4nda f\u00f6rs\u00e4kringsbolagets n\u00e4tverk eller ha helt fritt val av l\u00e4kare? T\u00e4ckning enbart i Spanien eller internationellt? Samt en av de viktigaste punkterna f\u00f6r internationella residenter i Spanien:<\/p>\n

\u00b7 Med eller utan sj\u00e4lvrisk? Sj\u00e4lvrisk \u00e4r en mindre summa pengar som du m\u00e5ste betala varje g\u00e5ng du anv\u00e4nder en tj\u00e4nst. F\u00f6rdelen med s\u00e5dana sjukf\u00f6rs\u00e4kringar \u00e4r att det m\u00e5natliga fasta priset \u00e4r l\u00e4gre, men det kan h\u00f6jas rej\u00e4lt om du anv\u00e4nder tj\u00e4nsterna mycket.<\/p>\n

Om du inte vill beh\u00f6va t\u00e4nka p\u00e5 de tj\u00e4nster du anv\u00e4nder och f\u00f6redrar att ha ett fast m\u00e5nadspris utan n\u00e5gon begr\u00e4nsning p\u00e5 de anv\u00e4ndningar du g\u00f6r \u2013 d\u00e5 \u00e4r en variant utan sj\u00e4lvrisker din v\u00e4g att g\u00e5.<\/p>\n

Det \u00e4r ocks\u00e5 mycket viktigt att ha f\u00f6ljande i \u00e5tanke. Om du \u00e4r mitt uppe i processen att skaffa spanskt uppeh\u00e5llstillst\u00e5nd sk\u201dSpanskt Residencia\u201d, VISA osv eller kan vara det i framtiden, kr\u00e4ver spanska migrationsverket en f\u00f6rs\u00e4kring utan sj\u00e4lvrisk.<\/p>\n

Det \u00e4r lite komplicerat och v\u00e4ldigt mycket att t\u00e4nka p\u00e5, d\u00e4rf\u00f6r \u00e4r det s\u00e5 viktigt att du hittar en agent som hj\u00e4lper och v\u00e4gleder dig i f\u00f6rs\u00e4kringsdjungeln. P\u00e5 s\u00e5 vis ser du till att det blir r\u00e4tt f\u00f6rs\u00e4kring f\u00f6r just dig och dina behov.<\/p>\n","protected":false},"excerpt":{"rendered":"

F\u00f6rs\u00e4kringar \u00e4r en komplex fr\u00e5ga och h\u00e4lsa \u00e4r ett k\u00e4nsligt \u00e4mne. S\u00e5 b\u00e5da tillsammans g\u00f6r det \u00e4nnu mer komplicerat. N\u00e4r du ska teckna en privat sjukf\u00f6rs\u00e4kring i Spanien finns det n\u00e5gra punkter att t\u00e4nka p\u00e5. Var ska jag teckna? Med vem? Vilken t\u00e4ckning ska jag ha? Det finns flera tillv\u00e4gag\u00e5ngss\u00e4tt att ta reda p\u00e5 namnen […]<\/p>\n","protected":false},"author":8,"featured_media":57692,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[396,4],"tags":[],"class_list":["post-57690","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arkiv-artiklar","category-artiklar"],"yoast_head":"\nV\u00e4lj r\u00e4tt privat sjukf\u00f6rs\u00e4kring: S\u00e5 g\u00e5r du r\u00e4tt i f\u00f6rs\u00e4kringsdjungeln! - Svenska Magasinet<\/title>\n<meta name=\"description\" content=\"F\u00f6rs\u00e4kringar \u00e4r en komplex fr\u00e5ga och h\u00e4lsa \u00e4r ett k\u00e4nsligt \u00e4mne. 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