Voluntary health insurance. Voluntary medical insurance policy
Everyone knows that the services of doctors are now standingNot cheap, despite the fact that this industry is considered free. However, today the country is increasingly introducing voluntary health insurance, which gives you the opportunity to get fast enough and very high quality care and good services
General information
So, this procedure is done enoughquickly and does not require much time. At the same time, voluntary health insurance helps to provide adequate assistance to doctors, when necessary. Specialists in this case much faster diagnose and prescribe the right treatment.
Some insurance programs provide foralso preventive measures, for example inspection. Modern companies that take care of the health of their employees, as well as about uninterrupted work, try to include this procedure in their social package.
Naturally, voluntary medical insurance is made at will of the person, has the advantages and disadvantages, and also features of registration. All these points will be considered in more detail.
Advantages and disadvantages
Voluntary health insurance has the following advantages:
- Respectful and more attentive attitude of doctors and staff to the patient.
- The specialists have all the necessary equipment.
"You have the opportunity to go to the clinic that you want."
- You do not have to stand in line for hours and listen to dissatisfied neighbors.
- The reception will be appointed at a convenient time for you.
However, there are also disadvantages:
- Voluntary health insuranceis provided by a special organization that mediates between a person and a clinic. The problem can be that your case can be calculated in a way that is not provided for by the policy, so assistance can be denied.
- In pursuit of profit doctors can prescribe inadequate treatment.
- A large number of young and insufficiently experienced specialists.
Naturally, these shortcomings can not be attributed to all insurance companies and medical workers. 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 your discretion and financial possibilities. For example, a standard package of services includes:
- Dental care.
- Call the ambulance and doctor at home.
- Attaching to any polyclinic.
Voluntary medical insurance in its program can also provide for a list of cases in which the firm will not be obliged to pay for treatment. For example, the policy does not cover such diseases:
- HIV, tuberculosis, genetic and hereditary abnormalities, cerebral palsy.
- Mental pathology.
- Neuroinfection.
- Oncological diseases.
This list may be longer. Everything depends on the responsibility that the insurance company is prepared to take on. 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 manypackages, including those or other services of specialists. However, at municipal enterprises voluntarily medical insurance is not usually conducted. That is, there is another type of insurance - mandatory (OMS). Therefore, the differences between the two procedures should be considered.
Compulsory insurance | Voluntary insurance |
1. Assumes equal opportunities in obtaining assistance. | 1. Provides additional services that are not provided for by CHI. |
2. The insurance program is developed by the Ministry of Health. | 2. Can be collective and individual. |
3. Necessarily finances preventive examinations of employees. | 3. The choice of a package of services depends on your needs and financial possibilities. That is, you have freedom of choice. |
In any case, compulsory and voluntary medical insurance allows you to get professional help quickly and efficiently. However, you yourself will have to decide how much service you want to receive.
Features of registration of LCA
First of all, you should definitely concludevoluntary medical insurance agreement. It must have only a written form. For such a document, there is a certain form that is given to you in the insurance company. In addition, it must contain such information:
1. Terms of the document, as well as the names of both parties: the company (in the case of the procedure by the team) or the initials of the individual, as well as the insurance company.
2. The number of persons who will be covered by the contract.
3. The procedure for making insurance contributions and their amount.
4. List of those services that are required to provide a medical facility.
5. Responsibility of both parties in case of non-fulfillment of the contract, as well as their rights and obligations.
After the conclusion of this contract, he beginsact immediately, unless otherwise provided. The participants of the transaction are issued a policy of voluntary medical insurance. You can contact the firm personally or your management.
Peculiarities of using the policy
Now consider the question of how you canuse the document. So, the policy of voluntary medical insurance is used when the insurance event stipulated in the contract occurs. If you have a completely different situation, and you need such help, which is not prescribed in the document, then you will have to pay for additional services.
Note that in some cases, the provision of services may be denied, even if you have a PDMS. For example, if:
1. Before signing the contract, the client had hidden some information about his state of health.
2. The insured event occurred as a result of alcoholic or toxic intoxication.
3. Injury occurred as a result of the client committing wrongful acts or attempted suicide.
In other cases, you can safely provide your policy to the institution to which you are affiliated.
That's all. Be healthy!
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