1. Closed Medical Network (Managed Care/HMO - Health Maintenance Organization)

In this modality, the insured has access to a specific network of doctors, specialists, clinics, and hospitals contracted by the insurance company. The main advantage is the generally lower cost of premiums, as the company has preferential agreements with these providers. However, the freedom of choice is limited to the professionals and centers included in the medical network. To access a specialist, a referral from the primary care physician within the network is often required.

2. Reimbursement of Expenses (Reimbursement/PPO - Preferred Provider Organization)

This modality offers greater freedom of choice, allowing the insured to go to any doctor or center, both within and outside the insurer's network. The insured pays for services upfront, and then the company reimburses a percentage of the cost (usually between 80% and 100%), according to the policy conditions. Although premiums are usually higher than in the closed medical network, this option is ideal for those who value flexibility and wish to keep their trusted doctors.

3. Mixed or Combined

As its name suggests, this modality combines characteristics of the previous two. The insured can choose to use the closed medical network for certain services, benefiting from reduced costs, while also having the option of reimbursement for other specific services, which gives them greater flexibility. The proportion and limits between both options vary according to the policy.

4. Outpatient Coverage

This type of insurance focuses specifically on medical care that does not require hospitalization. It includes consultations with specialists, diagnostic tests (analyses, X-rays), rehabilitation, and other outpatient therapies. It is a more economical option than comprehensive policies and may be suitable for people looking to supplement primary care or cover specific treatments without the need for hospital coverage.

5. Inpatient Coverage

Unlike outpatient coverage, this modality focuses on the costs arising from hospital admissions. It covers hospital stays, surgeries, medication administered during hospitalization, intensive care, and other expenses related to hospitalization. It is often contracted in conjunction with outpatient coverage to obtain complete protection, or independently for those who already have outpatient coverage through other means.

6. Dental and Vision Insurance

Although often offered as supplements or separate policies, it is important to mention them. These insurances cover specific oral and dental health treatments (check-ups, cleanings, fillings, orthodontics) and eye health (check-ups, glasses, contact lenses, refractive surgeries). They can be a valuable complement to a general health policy, as standard coverage in these areas is often limited.