Everyone knows that the services of doctors today are not cheap, despite the fact that this industry is considered to be free.Today, however, the country is increasingly introduced voluntary health insurance, which makes it possible to obtain a sufficiently fast and very good quality care and service
General
Thus, this procedure is done quickly and does not require much time.At the same time, voluntary health insurance helps to provide adequate assistance to the doctors when needed.Specialists in this case much more quickly diagnose and prescribe the proper treatment.
Some insurance programs also provide preventive measures, such as inspection.Modern companies that care about the health of their employees, as well as trouble-free operation, be sure to try to incorporate this procedure in their benefits package.
course, voluntary health insurance is done at the request of a person, has its advantages and disadvantages, as well as design features.All of these items take a closer look.
advantages and disadvantages
Voluntary health insurance has such advantages:
- Respectful and more attentive staff and doctors to the patient.
- Specialists available all the necessary equipment.
- You have the opportunity to apply to the clinic, where you want.
- You do not have to queue for hours and listen to disgruntled neighbors.
- Admission will be assigned to a convenient time for you.
However, there are drawbacks:
- Voluntary health insurance is provided by the responsible authority, which is the intermediary between man and the clinic.The problem may be that your case might find one that does not provide the policy, so the assistance may be refused.
- In the pursuit of profit, the doctor may prescribe inadequate treatment.
- A large number of young and insufficiently experienced.
Naturally, these shortcomings can not be attributed to all insurance companies and health care providers.They are the exception rather than the rule.
What usually includes an insurance package?What is not included in it?
There are several programs that you choose at its own discretion and financial possibilities.For example, the standard package includes:
- dental care.
- Call the ambulance and the doctor on the house.
- Attaching to a clinic.
Voluntary medical insurance, in the program can also provide a list of cases in which the firm is not obliged to pay for the treatment.For example, the policy does not cover such diseases:
- HIV, tuberculosis, genetic and hereditary abnormalities of cerebral palsy.
- mental pathology.
- neuroinfections.
- Oncological diseases.
This list could be longer.It depends on the responsibilities that are willing to take on the insurance company.In addition, such cases require constant treatment, so the policy will be very expensive.
voluntary and compulsory insurance: what is the difference?
As already mentioned, there are many packages that include these or other professional services.However, in municipal voluntary health insurance often is not carried out.That is, there is provided a different type of insurance - mandatory (OMC).Therefore it is necessary to consider the differences between the two treatments.
| Compulsory insurance | Voluntary insurance |
| 1. Assumes an equal opportunity to obtain assistance. | 1. Provides extra services that are not provided for MLA. |
| 2. The insurance program developed by the Ministry of Health. | 2. Maybe collective and individual. |
| 3. Required finance preventive examinations of employees. | 3. Choice package depends on your needs and financial capabilities.That is, you have the freedom of choice. |
In any case, compulsory and voluntary medical insurance allows you to get expert help quickly and efficiently.However, you yourself will have to decide what kind of services you want.
Particulars of LCA
First of all you should be sure to enter into a contract of voluntary medical insurance.He should have just written form.For such a document there is a form that is available to you by the insurance company.In addition, it must contain the following information:
1. The terms of the document, as well as the names of both parties: the company (in the case of collective procedure) or initials a private person and the insurance company.
2. The number of persons to be covered by the contract.
3. The procedure of insurance premiums and their size.
4. The list of services that must provide a medical facility.
5. Responsibilities of both parties in the event of failure of the contract, as well as their rights and obligations.
After the conclusion of the contract, he immediately takes effect, unless otherwise specified.The participants of the transaction issued a policy of voluntary health insurance.Contact the Company can you personally or your management.Features
use policy
now consider the question of how you can use the document.Thus, the policy of voluntary health insurance is used when an insured event occurs, provided by the contract.If you have a completely different situation, and you need such assistance, which is not prescribed in the document, for additional services will have to pay.
Please note that in some cases the provision of services may be denied, even if you have PDMS.For example, if:
1. Before signing the contract the customer has hidden some information about his health.
2. Insured Event occurs as a result of alcohol or toxic substances.
3. The injury occurred as a result of the commission of unlawful acts by the client or a suicide attempt.
In other cases, you can feel free to provide your policy at the institution to which you are attached.
That's all.Be healthy!
