Do you need health insurance? 10 questions to know if it's already worth taking out

For some profiles, health insurance brings a clear leap in convenience and speed. In other cases, the need isn't so obvious yet. The important thing is to have a simple way to assess where you stand.

A good test doesn't replace advice, but it does help organise the decision before comparing policies.

If you answer "yes" to several of these questions, you probably already have clear signs that a private policy could add value.

• Are you worried about how long it takes to get a medical appointment or tests?
• Do you want to access specialists without so many intermediate steps?
• Would you like to choose your doctor or clinic with more freedom?
• Would private hospitalisation, depending on the plan, give you peace of mind?
• Do you think a faster response would improve your wellbeing or your family's?

These questions don't only help you decide whether insurance interests you, but also to understand what you're looking for in it. Some people prioritise speed, others the medical network, others financial stability and others family cover.

If you already recognise yourself in several of these situations, the next step shouldn't be to take out a policy blindly, but to compare a proposal tailored to your age, expected use, budget and real priority.