Fuerte llamado de la Corte Constitucional a los Planes Adicionales de Salud
Durante la mañana de este martes, la Corte Constitucional publicó un documento en el que reiteró que los Planes Adicionales de Salud, como la medicina prepagada y los planes complementarios, deben ajustarse a criterios constitucionales estrictos y no pueden imponer cláusulas genéricas de exclusión que vulneren los derechos fundamentales de los usuarios.
TL;DR
- The Constitutional Court has stated that Additional Health Plans must comply with strict constitutional standards.
- Generic exclusion clauses that violate users' fundamental rights are prohibited.
- The ruling came after reviewing two cases where essential medical services were denied.
- In one case, a 24-year-old woman's mental and physical health treatments were delayed due to exclusion clauses.
- In another case, a four-year-old boy's required surgery was denied based on an exclusion not explicitly stated in the contract.
- While these plans follow civil and commercial law, they cannot disregard the constitutional dimension of the right to health as an essential public service.
- Companies must conduct rigorous medical assessments before contract signing to identify pre-existing conditions and clearly state exclusions.
- Unilateral changes to contract conditions are prohibited.
- Exclusions must be clear, express, and constitutionally justified.
- Provisions that generally exclude congenital, genetic, or hereditary diseases and diagnostic studies are also prohibited.