You may have been lucky: coming to the district clinic with his child with a compulsory medical insurance policy, you get high-quality medical care, starting with the therapist and ending with a dentist. At the same time, all the staff is always polite and responsive to you and your chad.
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The first month of life
The first month after birth is important not only for the child, but also for the mother. There are additional programs that can help a young family to cope with emerging difficulties. Some insurers are betting for the first month. So, program «The first month of life» The company Max (10 thousand. rubles) includes the departure of the pediatrician for a full consultation, full examination, training in hygienic procedures and feeding. Also provided a challenge «Ambulance» and dispatcher services consultant. It is worth noting that most insurers begin with the second month of the child's life - companies are fear of high risks that take place in the first weeks after delivery.
As a rule, health care workers are required throughout the first year of life of the baby. And here the parents get up again before choosing: pay separately for each consultation or doctors service, buy a comprehensive program from the clinic, use a free policy of mandatory health insurance or purchase insurance. «The choice is also complicated by the fact that the paid children's clinic in Moscow is a bit, - assures the head of the Department of Personal Insurance «Rosgosstraha» Karina Marcaryan. - That is why all insurance companies offer approximately the same LPU with an almost identical set of services and cost». Not a fact that, having bought a policy and coming to a paid clinic, you will receive a more qualified specialist than in the district polyclinic, the insurers themselves are recognized. The only thing that guarantees voluntary medical insurance is service, that is, you do not have to sit in queues or seek directions to a specialist.
Price of the insurance policy for a breast child in two, and even three times higher than for an adult or teenager. But everything is explained: Children require patronage, regular mandatory inspections of specialist doctors, timely vaccinations and testing - all this is determined by the norms of the Ministry of Health. «Service in a children's clinic with a good level of service and a wide range of services worth about 30-40 thousand. rubles per year. These insurance are most in demand. There are policies from 18 to 30 thousand., The service on them is high, but the set of services can be limited», - explains one of the market participants.
According to the company's programs «Reso-guarantee» Children service up to the year in the clinic costs from 20 thousand. rubles. Preferential home service (product «Aibolit») - from 59 thousand. «Personal pediatrician can drive up to the child to the house as on weekdays, so on the weekend. Also, the doctors of different specialties, a mobile laboratory, a massage therapist go to the child», - Onsutent Natalia Sokolova. «Our program «Kroha», which can be called a VIP program, costs from 57 thousand. rubles for children up to the year, - tells Evgenia Larionov from Rosno. - It includes everything, right up to a round-the-clock mobile communications with a doctor and delivery of medicines, diapers. Parents will have to come to the clinic only if this is an emergency or need a complex study that cannot be held at home». In Max, the cost of the toddlers is about 70 thousand. rubles. The highest service costs have departmental medical institutions (LPU), for example, three children's clinics of the presidential administration, the Ministry of Defense, Ministry of Economic Development and T. NS., Plus three or four private clinics - here the service cost will be from 100 thousand. rubles and above. «Treatment here for the most part prestigious, the service is excellent, but the qualifications of doctors and the level of treatment is not always better than in less patinate polyclinics», - We assure experts.
Pupils
For school-age children, the cost of insurance theoretically should be less - they are less susceptible to diseases, most vaccinations are made, children's infections behind. However, they have other difficulties: teeth, development problems, and in addition, the health of the younger generation, no matter how sad it becomes worse. Therefore, in relation to older children, a non-medical plan is relevant, but preventive, for which it is necessary for very good observation from specialists. «Schoolchild Need an ordinary polyclinic to get a certificate for ORVI to receive, and research: X-ray, ultrasound, vision check, physiotherapy, advice of highly qualified doctors», - assure insurers. Children, in contrast to adults, under the Rules of the Ministry of Health once a year, mandatory dispensarization is required, it does not matter, in which insurance system is serviced by a child - in mandatory or voluntary. Within the framework of voluntary health insurance, in addition to an extensive examination on a non-compulsory medical insurance of a technological and medical dietary database, a child will receive any additional advice and medical events. There is such insurance about one and a half - two times cheaper than primer programs, about 18-25 thousand. rubles, and contains a full range of necessary services, including dentistry and home assistance.
