Health insurance expands benefits around the Covid-19 pandemic

The population's concern for prevention, diagnosis, treatment, medical recovery..., all aspects linked to health, has increased with the passage of the coronavirus pandemic, a disease that has become part of our lives. The unease has awakened general interest in private medical coverage policies, which insurers have had to adapt to the new needs of users. Data from the sector's employers' association Unespa point to a 5% growth in the contracting of health policies in 2020, so that currently 13 million people have a health insurance policy in this segment, which corresponds to 30% of the Spanish population.

But talking about Covid-19 goes beyond paying attention with a treatment or hospitalization. Other medical aspects have made an appearance. After two years with rigorous pandemic control measures, which have required various stages of confinement, they have generated mental or physical health problems (lack of sports activity or acquisition of bad nutritional habits, for example), and other types of pathologies have multiplied.

In this scenario, private medical insurance is evolving in two lines: digitalization and innovation, and well-being and prevention. And also in an expansion of the target audience: young people value more the importance of having their medical assistance resolved.

For both aspects, continuing in the line of innovating looking to the future and above all responding to what customers demand, the insurer FIATC has renewed the offer of its medical policies, has reinforced the portfolio of professionals and medical centers and has expanded the coverages and services it offers to its clients.

Among the new coverages most linked to Covid-19, respiratory rehabilitation stands out, so necessary after suffering Covid or common pneumonia. Emotional and mental health is another of the challenges of our society, also aggravated by Covid, which is why FIATC has reinforced its service in this area and has extended its psychology coverage and incorporated a guarantee for eating disorders.

Also included for each insured is an annual stress test, specific for athletes (Ergometry), and a nutrition service through the Nootric app. Through this platform, the client has access to a coach who guides them on what guidelines to follow to improve their nutrition, with information, recipes, guidance, fitness… All in line with reinforcing well-being, quality of life, and health prevention to maintain the level of satisfaction expressed by its clients, who place it as one of the most recommended mutuals on the market.

Private medical insurance is evolving in two lines: digitalization and innovation, and well-being and prevention

In addition, FIATC responds with competitive premiums because there are increasingly market segments very sensitive to price. In this line, Medifiatc Start has been created, an insurance that offers quick and easy access to quality health services, especially general medicine or specialist visits, tests, digital health services, telemedicine and 24-hour assistance. This agility begins at the time of contracting, as it does not require a medical questionnaire for those under 56 years of age.

With permanent innovation looking to the future and above all responding to what customers demand ---such as more personalized treatment---, FIATC has launched a campaign ---valid until February 14, 2022--- for new policyholders. The promotion consists of the possibility of choosing between two free months or a molecular study per policyholder (of legal age). The molecular studies, from a simple blood extraction, are carried out by Made of genes, a Barcelona startup, which offers personalized valuable information so that the policyholder can take care of themselves with knowledge of their characteristics. With the campaign, FIATC offers the possibility of choosing between the study focused on fitness, to know the body's response to power, strength or endurance exercises and which provides optimal exercise and rest strategies to have a healthy life, avoid injuries and maximize the impact of physical exercise.

Likewise, you can access a study to learn how to manage weight and which provides answers to the most common user questions, such as what strategy should I follow to lose weight? What amount of nutrients is most appropriate for me? To lose weight, how much exercise should I do? What is the optimal caloric intake for my body? To lose weight, will a low-fat diet work for me or will a low-carb diet be better? To what extent do I have emotional hunger? How do I regulate my satiety? Should I know and/or take into account my resting energy expenditure to lose weight?