June 19th, 2024 | 7:58

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When health insurance leaves a client stranded for 45 years paying

Jesus Carames

September 11, 2023 | 6:11 p.m.

Trust is an invaluable value in the world of medicine. During decades, private medical insurance have been seen as a refuge for those seeking more immediate attention and personalized, or for those who wanted to avoid long waits for public healthcare. But what happens when that trust is broken?

The Story of Alfonso

Alfonso and his family opted for health insurance that, for 45 years, provided them with the care they required. Paying about 300 euros per month, this service guaranteed them consultations with specialists and diagnostic tests when they needed it. However, everything changed when Alfonso was diagnosed with an aggressive cancer.

The Challenge of Metastasis and a Vital Treatment

After the metastasis was discovered, Alfonso required a state-of-the-art treatment. It was his best option to fight the disease. But the cost of this treatment, estimated at about 5.200 per month, was the point of friction with his lifelong insurer. Despite decades of loyalty and thousands of euros invested in premiums, the company refused to cover it.

Public Health: Last Bastion of Hope

Given the insurer's refusal, Alfonso's family found themselves in a desperate situation. However, and fortunately for him, the Spanish public health intervened to finance the expensive treatment. An action that, without a doubt, reiterates the value and importance of the state health system at crucial moments.

The Indispensable Role of the Public Health System

It is undeniable that the Spanish public health system has its challenges. However, stories like Alfonso's reinforce the idea that he is still a essential pillar in our society. While private healthcare may be selective based on cost, public healthcare persists in its mission to ensure the well-being of all citizens, regardless of their economic situation.

Reflections on Trust and Loyalty in the Health Sector

Alfonso's experience invites us to reflect on the Trust deposited in private insurers. While these services may offer advantages in certain scenarios, it is vital to remember that health cannot, and should not, be treated strictly as a business. Medical decisions should be based on the patient's well-being, not economic issues.

A Change of Perspective

Perhaps it is time to reconsider how health insurance is perceived and valued in our society. Should they be seen as an absolute guarantee? Or rather as a complement to the essential service provided by the public healthcare?

With stories like Alfonso's, it's clear that true healthcare security lies in a system that prioritizes people over profits. And in that sense, Spain's public health continues to demonstrate its invaluable role in the lives of its citizens.

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