There is no person in the world who would like to hurt.But, unfortunately, it happens, and to get medical care, you need a policy.Medical insurance is mandatory in Russia.But do all kinds of services provided guaranteed by the state health insurance program, and whether there are additional features?
Voluntary Health Insurance (VHI)
the treatment is often a need for additional diagnostics, prevention and rehabilitation procedures, consultations, which are not included in the compulsory program.For this there is a voluntary medical insurance (VMI).VMI insurance policy just to help cover the costs of these.
essence LCA
man he selects the most suitable program, which includes a number of specific health care services for a specific sum insured.The number of services provided, the list of diseases, the level of the proposed medical institutions determines how much it will cost the VHI.What gives?In the insurance case the client receives the necessary medical care within the stipulated sum insured.The term of the policy specified in the contract (usually 1 year).Adults and children's programs are formed separately and have some differences.
Flexibility programs
VHI for individuals is different, as some types of services, hospitals, diagnostic centers, rehabilitation clinics, and so on. N. Are selected depending on the capabilities and preferences of each client.
Types of services
There are different types of services, which provides policy LCA.What can it be:
- outpatient services;
- inpatient treatment;
- alternative dental services;
- ambulance and so on. D.
Buy VHI.What's in it for me?What to look for when choosing an insurer
- A license issued by the Russian Federal Service for Insurance Supervision.
- specified in the license name of the company, its legal address, types of insurance activities.
- existence of a treaty with the medical establishment, which also has a license for your type of activity.
- history of the company in the insurance market.
- Ratings.
- payments are made, and so on. D.
- visit to the doctor in the agreed time.
- personal doctor-curator.
- Choosing hospitals, where medical services are provided.
- settlement by the insurance company of the problems with the medical establishment.
- Selecting only the necessary services.
- prompt action in case of emergency.
- Ability to pay parts of the policy.
- Service.
Some explanations
Not all of the problems with health insurance are considered to be the case.For example, dental services also provides for VHI.What is
mean?If the insured person goes to a doctor with acute pain or exacerbation of existing problems, the insured event occurs and the insurer will pay the bills.If a person just wants to replace the seal on the better - it will have to pay extra.Or: do not go to the dentist for many years, most of the teeth need treatment, prosthetics, and so on.. In this case, the insurance will not cover all expenses.
most important
all possibilities for voluntary health program must recognize the contract.Then you will know well, having VHI that your policy includes, and that - no.So you will avoid unnecessary charges to your address or the address of the insurance company.
