2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
There is no such person on Earth who would like to be sick. But, unfortunately, this happens, and in order to receive medical care, you need a policy. Insurance medicine in Russia is mandatory. But are all types of services provided by the state-guaranteed he alth insurance program, and are there additional opportunities?
Voluntary he alth insurance (VHI)
During treatment, there is often a need for additional diagnostics, preventive and rehabilitation procedures, consultations that are not included in the mandatory program. For this, there is a voluntary medical insurance (VHI). A VHI insurance policy will just help cover these costs.
The essence of VHI
A person chooses the most suitable program for him, which includes a number of specific medical services for a certain sum insured. The envisaged number of services, the list of diseases, the level of offered medical institutions determines how much the VHI policy will cost. What does it give? In the event of an insured event, the client receivesnecessary medical care within the limits of the stipulated sum insured. The term of the policy is specified in the contract (usually 1 year). Adult and children's programs are formed separately and have some differences.
Program Flexibility
VHI policy for individuals is individual, as some types of services, hospitals, diagnostic centers, rehabilitation clinics, etc. are selected depending on the capabilities and wishes of each client.
Services
There are different types of services provided by the VHI policy. What could it be:
- outpatient care;
- inpatient treatment;
- alternative dental services;
- ambulance, etc.
I will buy a VHI policy. What will it give me? What to look for when choosing an insurer
- A license issued by the Russian Federal Service for Supervision of Insurance Activities.
- The name of the company specified in the license, its legal address, types of insurance activities.
- Agreement with a medical institution that also has a license for its type of activity.
- The history of the company in the insurance market.
- Ratings.
- Payments made, etc.
- A visit to the doctor at a predetermined time.
- Personal caregiver.
- Selection of medical institutions where medical services will be provided.
- Settlement by the insurance company of the problems that have arisen with the medical institution.
- Choiceonly essential services.
- Responsiveness of emergency actions.
- Ability to pay for the policy in installments.
- Service.
Some clarifications
Not all he alth problems that have arisen are considered an insured event. For example, dental services are also covered by the VHI policy. What does this mean? If the insured visits a doctor with acute pain or an exacerbation of an already existing problem, then an insured event has taken place and the insurer will pay the bills. If a person just wants to replace the filling with a better one, they will have to pay extra. Or like this: I haven't been to the dentist for many years, most of the teeth require treatment, prosthetics, etc. In this case, insurance will not cover all costs.
The most important thing
All possibilities for a voluntary medical program must be found out when concluding a contract. Then you will clearly know, having a VHI policy, what your policy includes and what does not. This way you will avoid unnecessary charges against yourself or the address of the insurance company.
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