La edad en el seguro de salud

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Muchas veces, mientras se es joven, se cree que el seguro de salud es una cosa de mayores. No es así en absoluto, el seguro de salud te aporta tranquilidad y saber que estarás en las mejores manos siempre que te ocurra algo, independientemente de la edad. Siendo joven, puedes sufrir un accidente, romperte un hueso mientras haces ejercicio, sufrir enfermedades… Con un seguro de salud estarás protegido y no tendrás que esperar las colas de la seguridad social.

Lo que sí es cierto es que, conforme vas cumpliendo años, tienes más papeletas para sufrir enfermedades, achaques o que en definitiva necesites ir al médico de manera más habitual. Obviamente, con la edad aumenta el riesgo y con ello la prima del seguro. Estadísticamente, una persona más mayor va al médico más veces que una persona más joven. Las compañías, que conocen bien las estadísticas, ofrecen seguros más baratos para personas más jóvenes porque este colectivo suele utilizar muchas menos veces el seguro. Y, con la misma lógica, ofrecen primas más altas a los asegurados de mayor edad, porque ese colectivo suele utilizar mucho más el seguro.

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Conforme se van cumpliendo años, la prima del seguro de salud es mucho más cara. Especialmente se encarece a partir de los 55/60 años. De media, un asegurado de esa edad, puede llegar a pagar tres veces lo que un menor de 35 años. Incluso, algunas aseguradoras no aceptan asegurados de salud mayores de 65 años, o, en algunos casos, incluso de 60 años.

También, algunas aseguradoras están desarrollando seguros de salud específicos para seniors.

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En inXur somos especialistas en seguros y estamos a tu disposición para ayudarte a encontrar el seguro que necesitas. Te animamos a utilizar nuestro Comparador de seguros de Salud y encontrar el seguro que necesitas. Si lo prefieres, puedes llamarnos al 911982330 de lunes a viernes de 9.30 a 18.30 o escribirnos a clientes@inxur.com. Estaremos encantados de ayudarte.

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