According to data from the National Institute of Statistics and Geography (INEGI), in Mexico 77% of the population has the protection of some Social Security institution; while the remaining 23% use their income to cover unforeseen events when they suffer an illness, and of that number, only about 7% have contracted a medical expenses policy.
In fact, the cost to cover a consultation and/or medical treatment is $3,786 pesos per year on average, which represents 9% of the average annual income, but for people with lower incomes, this could represent up to 51% of your salary or wages, which is why the relevance of medical insurance is increasing.
It is until now, once a pandemic has developed, that greater awareness has been generated about possible unexpected health incidents; even so, the figures continue to indicate that a smaller part of the population has health insurance.
Coping with medical care expenses in the event of an incident or illness is easier when you have a contingency plan for unforeseen events and hospitalization expenses, through medical insurance.
However, choosing the most convenient health insurance can be complex, although technology comes into action to do this and reduces the steps to three simple keys. The first is aimed at selecting the most convenient health insurance; that is, to determine the main objective to cover, by selecting the greatest risk that the patient may face, according to their characteristics and environment.
Analyzing the patient’s situation is key and based on that, a second step can be taken, focused on the insurer. For this subsequent step, it is necessary to check that the health insurance agent has a valid ID from the National Insurance and Bonding Commission (CNSF) -in case of going with an agent-.
However, today technology allows us to skip complicated steps and use tools that allow users to determine the best health insurance directly. The sample is given by INTERprotección, the insurance broker with more than 40 years of experience in the market, through its digital platform inter.mx, with a new quoter: medical insurance.
For Alonso Pallarés, Chief Digital Officer of the company, it is very important to take the complexity out of insurance “inter.mx has invested in technology and innovation to improve the user experience, transforming the way in which our clients interact with insurance, each time, in an easier way, giving you more confidence in them. These efforts are materialized in medical insurancewhere it is possible to compare different product options to choose the most convenient option and the best insurance for you and be protected in an innovative and disruptive way”.
It is a new tool to facilitate the experience of its users when contracting medical insurance in a few steps, advised and accompanied throughout the process, in which the best insurers are quoted and compared first; and the type of insurance is determined, between preventive medical expenses, major medical expenses and minor medical expenses.
“Two years after the launch of the inter.mx platform, we launched the new medical insurance quote Medical Insurance, a tool that makes the user experience as easy as possible and not only that, we also continue to change the way we talk about insurance because we are committed to making things simpler, not only in our products but also in our communication. We want to raise awareness among Mexicans and that is why we invest in different advertising so that in a fresh and fun way they understand the importance of being protected and it is increasingly easier to insure themselves.” Gabriela Gutierrez, Chief Marketing Officer of inter.mx mentioned.
It also provides access to costs, from the sum insured with or without deductible, the coinsurance cap; coverage per condition or per year; the hospital level (essential, protected and armored) and the additional benefits (dental plan, basic check-up, emergency abroad and accidents without deductibles).
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