A saying about the fact that it is better to be rich and healthy than the poor and sick, it absolutely justifies yourself when concluding an individual voluntary health insurance contract.
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Voluntary medical insurance
«Voluntary medical insurance» - The concept is wide enough. Therefore, the price of basic polyclinic services for a private person ranges from $ 300 to $ 1000, depending on the polyclinic and latitude of the program.
The second optional part is stationary service, that is, if necessary, go to the hospital at the expense of the insurer. This service costs an extra $ 100-400. In Moscow, about a hundred hospitals, and most of them cooperate with insurance companies. The policy most often includes emergency hospitalization, and not indications for planned operations. Emergency hospitalization require sharp or exacerbations of chronic diseases (unstable angina, acute myocardial infarction, acute violation of cerebral circulation, acute pneumonia, acute cholecystitis, acute appendicitis and t. D.), injuries, poisoning (except alcohol and narcotic, which are exceptions from insurance coverage).
The decision on such hospitalization takes the doctor «Ambulance» or Polyclinic Doctor. In case of emergency hospitalization, the insurer pays all medical care, including operational interventions. But in standard medical insurance contracts, large operational interventions are exception: reconstructive operations on vessels, heart, organs and tissue transplantation and tissues. D.
Third part - ambulance. In the case of appeal to the patient, not urban «Emergency», And the doctor from the clinic, to which he is attached, or a special service (this is especially important at night or on weekends, when the therapist is not serviced). Such an option is estimated at $ 50-150 per year. On the call in the 24-hour dispatch service «Ambulance» Responsible qualified doctor or paramedic. Will come to you «ambulance» or not - the doctor or paramedic.
Stomatology
Another important part of the Voluntary Medical Policy - Dental Services, which provides special branches with a common profile polyclinics and specialized agencies. The minimum cost of this point of the contract is $ 200 (for the simplest treatment), the maximum - $ 5000 (for the ability to put a complete mouth of free teeth).
Many insurance companies provide such a service as a personal physician: you will have a curator who can call mobile at any time of the day and night, and he will try to show you that your health interests his own more. This service costs from $ 300 per year, depending on the qualifications of the doctor and the number of patients attached to it.
You can also include in the policy of a permanent medical monitoring service for you in case of illness, that is, sister-nurse at home. Price scatter here is great: from $ 100 to $ 800. The cost depends on the degree of probability that the service will still have to have. It is clear that the lonely 60-year-old widower will rather find the helpless position, rather than a 40-year-old father of the family, which can always be served a glass of water (with the exception of absolutely severe cases).
Separately, you can purchase a rehabilitation program: trips to the pretentia and sanatorium. Its cost will be equal to the cost of sanatorium vouchers. Paying treatment in advance, you can go to a convenient time for you, even having no testimony.
All this set of options you can combine in any variations. Many companies offer a special family policy (from $ 1000 and higher), programs for children from birth to 15 years old ($ 600-7000), programs for pregnant women, including childbirth ($ 800-6000).
But, as a rule, the most popular combination - outpatient and polyclinic service and dentistry. It costs an average of $ 600 to $ 3000.
Price Polis
The amount of you for the policy depends not only on the number of points by which you can demand attention to your person, but also from the clinic where you have the right to contact. For example, an outpatient polyclinic service in the navy clinic will cost an average of $ 300 per year, and in the clinic of the medical center of the Presidential Affairs of the President - at $ 1,300.
Insurers explain that the price of the policy is formed from four components. The main thing is the actual treatment costs, that is, the money that companies are given to clinics and hospitals: this component reaches 60%. In addition, amounts are laid on the formation of reserves, for business, profit. On a concrete example, it looks like this: policy - $ 500; Of these, medicine - $ 300, $ 100 - on the formation of reserves, $ 70 - for business. The remaining $ 30 - the profit of the insurer.
Increase prices for insurance
The desired client for any insurer is under the age of 45 years, that is, not burdened with numerous diseases and is not inclined to listen to its body in order not to concern the doctor once again; He is busy at work - it goes into the clinic when it becomes completely short; earns from $ 1.5 thousand. a month, it means that the money breaks out without much regret. All others for insurers - unwanted exceptions to the rules.
Most insurers prefer to deny patients with HIV and oncology, disabled, drug addicts and mental disorders.
Insurers have long already enjoy a number of raising coefficients for «Problem» customers. Your age is more than 55 years? Multiply the price of the basic policy by 1.3-3. Have chronic diseases? Score on the calculator «x 1.2-1.5». Work or hobbies are associated with the risk of injury? 1.5-2 coefficient.
In some cases, when the insurer wants to eliminate the presence of diseases that prevent the sale of the policy, it can assign a medical examination or ask the client to bring an outpatient map. If you have no cards and the agreement was concluded without a medical examination, but during the period of its action it turns out that the client hid from the insurer of the disease, due to which he would not be taken for insurance, the contract will be considered invalid.
Keep in mind that the decrease in the contract for the past period plays. If you are for the insurer with an unprofitable client, that is, we used all the insurance amount, for the second year I will have to pay for the policy more. And it's not a fact that if you decide to change the insurer, then the policy will cost cheaper, because your outpatient card will show: all last year you have actively visited doctors.
