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Colsanitas

I know this topic has been discussed at length, but I would like if someone could shed some light on my particular instance. My wife in Bogota, is currently undergoing surgery for a tonsilectomy. She had subscribed to Colsanitas about 4 months ago. Yesterday, prior to her surgery, she advised that because of the short term on the insurance, ( she calls it 'entrenchment') she would get the money, or part of it refunded after the term reaches one year. The hospital in Salitre told her that the operation would cost 4.5 million pesos. Does this sound right? Damn expensive for Colombia ...? Does anyone have any experience with this 'Colsanitas' and is this how the insurance works?

She does not work and is solely dependant on what I send her. and....lets not go there...

I am asking to better understand. My wife in her translations very often gets things a little bit more than twisted.

Appreciate any input.

Thanks to all
Terry

By Terry2 on Jul 4, 2009, 09:00 in Friendly Talkzone.

Gator says on Jul 4, 2009, 10:26:

$4.5 million pesos something wrong somewhere! Possibly they ruled it a pre-existing condition and some of their plans don't kick in for certain procedures until after four months, Best have a sit down with one of there reps. Hard to say without knowning what plan you have.

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Medios complementarios de diagnóstico.
Cirugías programadas en cualquier especialidad.
Hospitalización para tratamiento médico, quirúrgico o en Unidades de Cuidados Intensivos, sin límite.
Hospitalización para tratamiento psiquiátrico que no sea urgencia (máximo 45 días al año por cada usuario).

"Bene, cum Latine nescias, nolo manus meas in te maculare" .

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Bill Turley (Moderator) (Trustee board) (☼Travelguide writer) says on Jul 4, 2009, 10:53:

The 4.5 sounds like that is the hospital charge. How much will Colsanitas pay?

Mr. Bill Somondoco

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Terry2 says on Jul 4, 2009, 10:59:

Thanks guys!
I think you're right Bill, but I just can't seem to get any real information from her. She claims that after 1 year you can get your money back. ...hahahaha......money back...in Colombia? hahahahah

She underwent surgery last night and so far she's not into talking. I will have her scan the documents and with my little understanding of the Spanish language, I will try to muddle through. I live in Canada and we pay a provincial fee depending on the number of family members... very straightforward....no pre-exist clauses, etc. Hopefully I can get this striaight before she starts sending money all over the place.

Thanks again
Terry

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viajero123 (☼Travelguide writer) says on Jul 4, 2009, 11:25:

I would not trust them, unless they put it in writing, that they will refund the surgery cost after a year. Try hard to make them pay in the first place. Do as Gator says and sit down with one of the reps and get the facts clear.

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Terry2 says on Jul 4, 2009, 11:33:

Really appreciate the comments, but therein lies the problem. I will cost me to travel to Bogota, then sit down with a translator?.. ouch.... and of course, I don't know the overall medical services at all. I will still try to get this info as I can probably get TomPower to do a quickie translate.

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realstate (☼Travelguide writer) says on Jul 4, 2009, 13:09:

Colsanitas is the most expensive Medical Insurrance, or medical services, they that have the argument that they have the best services in colombia, but they get compared to Seguro Social ISS, they are nothing diferent at all, they say that because they buyed the reina sofia and another important hospital who goes rich people. They are going to make you pay more for the same service, saying that is the best

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