Voluntary health insurance policy for children - one of the most expensive products in the insurance market, is the most popular. Most parents are confident: paid insurance is more efficient, and sometimes cheaper than free medicine.
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Children's insurance programs up to the year
Children's insurance programs are most in demand. Young dads and moms willingly acquire this product, as they believe that it is in this period that a high-quality and permanent medical care is especially important, a call to the house, the possibility of holding all mandatory vaccinations (if necessary and at home). Moreover, a set of services for infants from voluntary health insurance for adults is no different: it includes outpatient polyclinic service, inpatient care, ambulance care, dentistry.
Clinic «for growth» Covers a variety of price categories, however, they are much less than therapeutic institutions for adults. «Non-state clinics are more attentive in service and more often offer home services in contrast to the centers operating on the basis of former state», - Says Karina Neanov, Deputy Head of Medical Insurance Management «Renaissance insurance».
The cost of the policy depends on the amount of services and the level of the clinics - the price may vary from $ 300 to $ 4 thousand. in year. Insurance service of children up to a year is especially expensive, it is later traditionally cheaper as kids growing up. For example, the price range under the age of year ranges from $ 400 to $ 4 thousand., And for children older than a year - from 300 to $ 3 thousand., older than three years - from $ 350 to $ 2 thousand. However, for individuals there are both boost factors. «The cost of the policy for a child with chronic diseases increases in case the policyholder is a private person, if the organization is not. This is due to the fact that when insuring individuals, the insured is obliged to fill out the questionnaire and indicate the existing diseases. When concluding a corporate contract, such questionnaires are not filled. Accordingly, such diseases cannot be taken into account», - Says the head of the Voluntary Medical Insurance Department «Consent-Vita» Maxim Avdeev. For example, asthma, depending on the complexity of the disease, increases the cost of the policy of this company 1.5-2 times, chronic tonsillitis - in 1.2-1.5 times, and diabetes - 2-2.5 times.
At the same time, each company assesses the complexity of the disease in its own way, and a number of diseases simply does not include insurance coverage. «We do not take for insurance for children with diabetes mellitus, diseases of tumor nature, congenital and genetic diseases. Treatment of such children can only be in specialized medical centers»,- Explains Karina Neanov. As Nina Egorkin, Head of the Rosno Medical Insurance Center project, the benefit of insurance is obvious. In the case, if the child gets sick and some health problems will be revealed, the use of paid services can do many times more expensive.
Those who want to save is worth paying special attention to the fact that in the same medical institutions the cost of policies varies from different insurers. This is explained as a difference of insurance programs (coating volume) and features of the relationship between insurance companies and clinics. As Maxim Avdeyev says, the cost, seemingly the same services affect the accumulated statistics of the Insurer for each medical institution, the structure of the tariff rate, the demand for services, the structure of the insurance portfolio and T. D.
Will affect the price of the policy and the place of residence of the client, in case it is outside the Moscow Ring Road. For example, in a distance of 30 km, a coefficient of 1.2 is used, and up to 50 km - 1.5. However, these premiums for polyclinic services do not have.
Without insurer
However, the appeal to the insurance company for high-quality medical services is not the only way out. Parents, for example, can do without «Intermediate» link and buy a policy directly in the clinic. In JSC «The medicine» For a child up to a year, a comprehensive package (with dentistry, ultrasound, x-ray, massage and ambulance without restrictions) costs $ 2400, after a year - $ 2200, from six years - $ 1900. «Our family such an agreement for a nine-month-old child cost $ 1800. But we are satisfied, because in the selected clinic highly qualified specialists and they provide us with iron rear. We will inspect and further, although, by experience, call one-time specialists ten times cheaper»,- Talks young mother Oksana Colene.
In surveyed insurance companies, the cost of similar programs was higher than about 10-20%. However, potential buyers should consider that the insurance company, in addition to providing a set of services, protects the interests of the client, provides several medical institutions to choose from.
However, despite the active development of the voluntary health insurance market, the number of those who prefer to save and use the services «Familiar» Doctor, outweighs. «During the first year of life, we were insured, and now serving one permanent specialist, paying each coming. On my question, is it worth buying insurance, she replied: «Yes, I never exhaust such an amount»,- Says Mom Preschooler Seeds Olga Semenova. Until her «Medical connections» will be enough, it does not plan to start the policy. «Mainly insurance buy people with low medical culture. I, as a doctor, never insured a child»,- a representative of the insurance company admitted and immediately unwound, asking not to call his name.
