5 Tips for hiring private health insurance

5 Tips for hiring private health insurance

To hire a private health insurance for the first time it is important to take the time necessary to make the decision. You have to be very clear about what is going to be paid and the services that can be offered to you. To avoid mistakes, at CuidatePlus we review the things that should be known before hiring insurance.

The coverage

It is a common mistake to believe that private medical insurance covers everything and, often, when it comes to paying at the end of the month surprises appear. Before hiring, you have to know what this insurance covers: hospitalizations, diagnostic tests, treatments …

The periods of lack

It is the time that elapses until a health care service can be used. Before deciding, it is good to compare the different periods of deficiency between insurers. It is also important to check if they exist during pregnancy or convalescence.

With or without co-payment

The copayment is the amount paid for the use of a medical service. Some companies already have them included in the monthly amount, however others charge them for each use.

The medical picture

Insurers have a wide range of specialists and, on occasion, they give the option of being the insured person who chooses the doctor.

Services abroad

When traveling, you never know what may happen and, if a medical service is required outside the country of residence, there are insurers that include it, but others that do not.

Dental insurance

Oral health is usually a service that insurers do not include. If you want to contract, the cost will vary depending on the company.

Car security system

Car security system

The idea is false that thieves prefer new and luxurious cars, they have more security systems and discourage criminals. In contrast, cars with sensitive security systems are preferred by criminals.

Walking stick

It is the simplest car safety system. The cost is between $ 15 and $ 26 dollars. The cane, block the steering wheel so that nobody can drive the car. Although it is a simple system, a thief will prefer a car that does not have a cane on one that does have it

Like the cane there are others that block any or all of the pedals, the steering wheel lock or the gear lever.

Acoustic alarm

They are another security system for basic car, almost all cars have it. The alarm is activated when a sudden movement is detected in or around the car or when a glass breaks.

Make sure your car has an acoustic alarm of more than 120 decibels and that in the windows there is a sticker that warns about it. This will discourage thieves.

Capot Blocker

A habit of criminals is to disconnect the battery from the car, to deactivate the security systems. That’s why a bonnet blocker can help you avoid it. Its cost is accessible and its installation simple.

Anti-loud films

It is a film that is placed on the glass and windshield of the car. When a thief tries to break them the pieces will remain in place thanks to it and they will not be able to get into the car.

Mechanical immobilizer

They are nothing more than the insurance of the doors of the car, but without a doubt they will scare away an amateur car thief. That’s why it’s important to make sure you close your car and put the insurance.

Electronic immobilizer

In this system the keys or cards, have a chip that through electronic signals, have communication with car parts such as injectors or battery.

This way if someone tries to open the car without the key nearby, these systems will not work and the car will not start. This security system can have several modalities, they can be by means of the key, smart cards even by means of app in the cell phone.

Lock of tires

As its name says, these devices prevent the tires of the car from moving even when the car has started.

Short current

The short current stops the flow of fuel or electrical energy to the ignition system. The short current can be activated after it is detected that the key is not in the car, or by means of a GPS alert.

GPS locator

It is a GPS tracking system, although it is not very cheap. They locate the vehicle in real time by means of sensors installed in several hidden parts of the vehicle. They are usually very effective, recover stolen cars only a couple of hours after being stolen.

Vehicle identification number

Also known as VIN number, it is a 17-digit number series with which various parts of the car are marked. You can even make a non-visible engraving. Its price is very accessible and its use discourages thieves since they have to invest too much to erase the VIN number.

The best thing you can do is prevent the theft of your car with a security system, also try to take care of it with the advice we gave you. And if in spite of this you are a victim of crime, prioritize your life and your integrity, be on the lookout and leave things in the hands of insurance will be the best.

 

How to protect my car from theft

How to protect my car from theft?

Knowing how to protect our car from thefts is an increasingly important need in our country. Crime rates are far from diminishing and protecting a large investment, as is our car, is already a priority. There are simple tips that you can follow to avoid having your car stolen, from taking care of the place where you park to installing a security system in your vehicle.

Close Your Car

It is very obvious, but some people forget to close their car due to the rush or stress of driving Take your time to make sure that the doors and windows are closed and that you activate the insurance, as well as any security system that you have .

Station in safe places

Criminals will always prefer a car that is on a lonely and poorly lit street. Preferably park in busy places and where there are security cameras.

Do not leave valuables

It is common to see cars parked with valuables in sight, no doubt it is a very bad practice if you want to protect your car from theft, as these can encourage thieves to enter your vehicle.

Do not leave documents

It is the same situation as in the previous recommendation. Today, personal data can be used by criminals to commit fraud. Avoid leaving documents in sight or keep them in some hidden place, make sure that nobody outside see where you keep them.

False documents

Thieves look for new ways to remove belongings from others. That is why they falsify documents of the ownership of the car. To avoid this, do not leave visible documents and do not give them to anyone, much less if it is the originals.

Secure your garage

If you have the possibility of having a space inside your house to store your car, make sure you do not have any access where the criminals can get to steal.

Even if your car is inside your house, always close doors and windows.

If you do not have space to leave your car, a good option is to find a parking lot or a pension near your home. You can come to an arrangement with the owner so he does not charge you too much. Think it’s better to invest that money in leaving your car in a safe place.

In case you do not have any of these options and you should park in the street, promote public lighting in your community, as well as 24-hour surveillance. At the parallel of these actions, it invests in some car safety systems.

Do not leave the car key

For no reason do you leave the key of your car stuck in the lock, even if you only leave the car for a couple of minutes. It is also important that you keep the key of your car in a safe place where only you and people of great confidence know.

Do not leave the parking ticket

A very common practice for car thieves is to remove vehicles from the parking lot. The task becomes much easier if you leave your parking ticket, inside the car, always take it with you.

Buy a car with low theft rates

If you are thinking of changing your car, be sure to buy one that is not so stolen. Thieves choose new cars with vulnerable security systems.

Install and update security devices

You need to install some car safety systems. You should also be aware that these systems are constantly updated.

Use auto parts insurance

It is an option that many agencies provide to their clients. When the theft of a piece of the vehicle occurs, the agency replenishes it without cost. This practice discourages theft as the demand for black market parts declines.

Protect your plates

A crime that is also common is the theft of plates. The criminals place them in other cars and commit crimes with the identity of your car. To avoid this, be sure to fix your plates with metal screws and use a plate holder that provides extra protection.

Protect your life

It is true that many of the car thefts are committed with violence. Faced with an armed assault, there is little that can be done without risking your life. First of all, you should know that nothing is more valuable than your life and that is why you should never risk it to protect a material good.

We hope you never suffer from this crime, but if you live it, the best thing you can do is to access the petitions of the delinquent to avoid that it attempts against you. Having a good auto insurance and remote locking systems can help you get your car back.

Now that you know some tips to prevent your vehicle being stolen, it is also important that you know the car safety systems. Having security systems installed in your car can even lower the price of your insurance policy.