Each of us sooner or later faces problems associated with your own health or health of loved ones. We all remember the infinite wait in line for the reception to the doctor, tedious record for research, lack of necessary specialists, «Not fast» Ambulance arrival.
Content
Each citizen has a policy of compulsory health insurance. It allows you to get the necessary assistance in the nearest polyclinic at the place of residence absolutely free. But not everyone is satisfied with the treatment in the usual clinic. In this case, you can purchase a voluntary health insurance policy.
Price Polis
The price of the policy is not fixed and depends on a number of factors:
- The level of the chosen polyclinic. If the medical institution has a high status thanks to work in it very qualified professionals, for the policy will have to lay out a round sum. But here it is necessary to keep in mind that the high price is not always the indicator of the high quality of the services provided. Therefore, the choice of a medical institution should be considered very carefully and navigate first of all with the reviews of your friends who used the services of this clinic.
- Complex of medical services covered by polis.
At the cost of the policy, you can save, refusing some types of medical care, for example, from a doctor call to a house, planned or emergency hospitalization, telephone consultations of specialists. Percentage of 15-20% will reduce the cost of the policy and the refusal of dental services.
If you fundamentally do not want to be treated in a free clinic and prefer paid medicine, buying a voluntary medical insurance policy will be very beneficial for you. The fact is that by paying the insurance premium, you have the opportunity to get medical services in the amount exceeding its size. And this is natural, since the cost of a complex of medical services is cheaper than the acquisition of the same services separately.
Cases that are not serviced by voluntary medical insurance
By purchasing a policy, it must be remembered that you will be deprived of the opportunity to use them in the following cases:
- In connection with the deliberate causing injuries.
- If injuries or disease are caused or obtained as a result of alcoholic or narcotic intoxication.
- If injuries or disease are obtained as a result of the commitment of unlawful actions.
With all the benefits of voluntary medical insurance, it will not be able to use everything, since the cost of the policy is still great. In this case, it makes sense to pay attention to corporate voluntary medical insurance, when not a citizen acts as a policyholder, but a legal entity.
Recently, this type of insurance began to develop more intensively. This is due to the fact that employers finally became aware of the significance of the social security of their employees. Therefore, having arranged to work, ask if the social package of this enterprise includes a voluntary health insurance policy.
Every self-respecting employer (and glory to God, more and more) considers the debt to provide voluntary medical insurance as part of social package.
At the same time, the citizens themselves are taken care of their health, who in the very social package (if he is generally) of that very voluntary health insurance yet, alas, no.
For what they pay, buying a Voluntary Medical Insurance Policy
Quality of service
Personally, I go to the district clinic when your hands-legs are already falling down. Seating in line and communication with a physician «Crew» all diseases and for a long time. I sympathize with the fact that doctors have little salary, but I'm not to blame for this. I want to receive not only normal treatment, but also human attitude.
Analyzes, surveys, operations
Yes, medicine is free, but until a certain point. Yes, a clinical blood test will be done for free, but when it comes to serious studies (CT, YMRR) or even more serious operations (cardiac surgery, thoracic surgery and T.D.), have to pay money. Very big money. And so, having bought insurance for 10-20 thousand. rubles, we sleep calmly, knowing that they are protected in case «God forbid that».
What to pay attention to when buying voluntary health insurance
But how to navigate in the huge selection of options that the insurance companies offer us? Naturally, the first thing for us is important is the price. And what to pay attention to when choosing insurance? It will be a shame, paying his blood (or not his own, but still disappointing), then find out what he got just a beautiful piece.
So:
Insurance amount
This is a certain amount, within which the insurer is responsible for the insured. Be careful: with a small insurance amount in a responsible moment may not have enough money for a serious examination or operation. Protection must be inspired. According to Russian legislation, the insurance amount must be limited, so the insurer is obliged to voice the specific amount. Protection of 50 thousand rubles will not cover the cost.
List of polyclinic
In many insurance companies, the price depends on the list of polyclinic. You can overpay and be treated in a luxury clinic, and you can take a standard package and be treated in simpler, but not losing in quality.
List of medical manipulations and non-trap cases
It specifically indicates which doctors can be attended, and what research and operations are included in the program so that in the process of treatment it does not find out that the primary visit to the doctor pays the insurer, and everything else is the insured. There are exceptions common to all companies - oncology, tuberculosis, diabetes, mental illness. Payment for the treatment of these diseases is covered by the federal program.
Alas, even healthy people fall into hospitals. In general, everyone decides for themselves - to defend your health or not.
Do not be ill! Health to you!
