Voluntary he alth insurance. Voluntary medical insurance policy

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Everyone knows that doctors are now expensive, despite the fact that this industry is considered free. However, today the country is increasingly introducing voluntary medical insurance, which makes it possible to get fairly fast and very high-quality assistance and good service

General information

So, this procedure is quite fast and does not require much time. At the same time, voluntary he alth insurance helps ensure adequate medical care when needed. Specialists in this case make a diagnosis much faster and prescribe the right treatment.

Some insurance programs also provide preventive measures, such as checkups. Modern companies that care about the he alth of their employees, as well as uninterrupted work, are trying to include this procedure in their social package.

Naturally, voluntary he alth insurance is made at the request of a person, has its advantages and disadvantages, as well as design features. We will consider all these pointsmore.

Advantages and disadvantages

Voluntary he alth insurance has the following advantages:

- Respectful and more attentive attitude of doctors and staff to the patient.

- Specialists have all the necessary equipment in stock.

- You have the opportunity to go to the clinic you want.

- You don't have to stand in line for hours and listen to disgruntled neighbors.

- Appointment will be scheduled at a convenient time for you.

However, there are also disadvantages:

- Voluntary he alth insurance is provided by a special organization that is an intermediary between a person and a clinic. The problem may be that your case may be considered as not covered by the policy, so assistance may be denied.

- In the pursuit of profit, doctors may prescribe insufficient treatment.

- A large number of young and insufficiently experienced professionals.

Of course, these shortcomings cannot be attributed to all insurance companies and medical professionals. They are the exception rather than the rule.

What does an insurance package usually include? What is not included?

There are several programs that you choose according to your own discretion and financial possibilities. For example, a standard service package includes:

- Dental care.

- Call an ambulance and a doctorhome.

- Attachment to any clinic.

Voluntary medical insurance in its program may also include a list of cases in which the company will not be required to pay for treatment. For example, the policy does not cover the following diseases:

- HIV, tuberculosis, genetic and hereditary disorders, cerebral palsy.

- Mental pathology.

- Neuroinfection.

- Oncological diseases.

This list could be longer. It all depends on the responsibility that the insurance company is ready to take on. In addition, such cases require ongoing treatment, so the policy will be very expensive.

Voluntary and compulsory insurance: what's the difference?

As already mentioned, there are many packages that include certain services of specialists. However, at municipal enterprises, voluntary he alth insurance is most often not carried out. That is, another type of insurance is provided here - compulsory (CHI). Therefore, the differences between the two procedures should be considered.

Compulsory insurance	Voluntary insurance
1. Assumes equal opportunity to receive assistance.	1. Provides additional services that are not provided by the CHI.
2. The insurance program is being developed by the Ministry of He alth.	2. Can be collectiveindividual.
3. Mandatory finances preventive examinations of employees.	3. The choice of service package depends on your needs and financial capabilities. That is, you have the freedom to choose.

In any case, compulsory and voluntary medical insurance allows you to get help from specialists quickly and efficiently. However, you will have to decide how much service you want to receive.

Features of registration of VHI

First of all, you should definitely conclude a contract of voluntary medical insurance. It must be in writing only. For such a document, there is a specific form that is provided to you by the insurance company. In addition, it must contain the following information:

1. The validity period of the document, as well as the names of both parties: the company (in the case of a team procedure) or the initials of an individual, as well as the insurance company.

2. The number of those persons who will be covered by the treaty.

3. The procedure for making insurance premiums and their amount.

4. The list of those services that a medical institution is obliged to provide.

5. Responsibility of both parties in case of non-performance of the contract, as well as their rights and obligations.

After the conclusion of this agreement, it takes effect immediately, unless otherwise provided. The participants in the transaction are issued a voluntary medical insurance policy. Contact the firmyou can personally or your leadership.

Peculiarities of using the policy

Now consider how you can use the document. So, a voluntary medical insurance policy is used when an insured event occurs, provided for by the contract. If you have a completely different situation, and you need such assistance that was not prescribed in the document, then you will have to pay for additional services.

Please note that in some cases services may be denied even if you have PDMS. For example, if:

1. Before signing the contract, the client was hiding some information about his state of he alth.

2. The insured event occurred as a result of alcohol or toxic intoxication.

3. The injury occurred as a result of the client committing illegal acts or attempted suicide.

In other cases, you can safely submit your policy to the institution to which you are attached.

That's it. Stay he althy!