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This is a contract through which medical, hospital and surgical assistance is provided to the insured in the event of illness or accident.

These services are usually provided through a list of doctors and hospitals arranged by the company, although on occasions (reimbursement of expenses) it is accepted that the service is provided by outside doctors, usually with small deductibles at the expense of the insured.

Health care insurances can be:

  • Individual
  • Family
  • Collective

The duration is usually for years extendable, although sometimes, especially in circumstances of travel, can be made temporary.