2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Each person sooner or later has to go to the doctors, stand in numerous queues and spend a lot of time on exhausting organizational procedures. At the same time, in order to receive qualified medical assistance, one often has to lay out decent amounts of money. A voluntary medical insurance policy, the cost of which ranges from 4,000 to 70,000 rubles, helps to solve this problem. You can buy a similar form today in any UK. The price of insurance will depend on the list of services and the type of document.
Voluntary insurance subjects
If we talk about the persons involved in this transaction, then these are the applicants (citizens of the Russian Federation or foreigners), a licensed insurance company and the medical institution itself.
When calculating the cost of a voluntary medical insurance policy, not only the list of expected medical services is taken into account, but also the person's age, state of he alth and other objective factors.
Having received VHI, a citizen can:
- use servicesprivate medical institutions;
- make an appointment by phone or online;
- do not stand in queues (subject to service in public clinics);
- get advice from the best specialists of the highest category;
- qualify for more expensive diagnostic procedures;
- receive vouchers for treatment in sanatoriums and other privileges.
Of course, this is not a complete list of services provided free of charge to holders of a voluntary medical insurance policy (the cost and list of procedures will differ depending on the IC that a person chooses).
How to apply for VHI
To obtain such a policy, you can personally visit the insurance company. In this case, an employee of the company will offer the most advantageous program, calculate the price of the service and draw up all the necessary documents. When applying for a voluntary medical insurance policy, the contract is a prerequisite. Only after its conclusion, the applicant will be able to start using the form.
Another option to get VHI is to go to the official website of the UK. Thus, anyone can apply for a voluntary he alth insurance policy without leaving home. To do this, just register on the site and leave your contact information. Usually employees call the client back almost immediately.
How to choose an insurance company
Today, there are a huge number of insurance companies in the Russian Federation offering such services. Howeverit is not worth contacting the first company that comes across, since recently licenses have often been taken away from such offices. After that, citizens, it would seem, with valid voluntary he alth insurance policies, are left without money and free medical services.
It is best to use the services of well-known insurers that have been on the market for a long time and have a large number of positive reviews. You can also contact a broker. He will not have to pay for the service, since usually insurance agents take a commission only from the UK.
In order not to stumble upon scammers, it is recommended to independently check the license of the selected company. To do this, you need to find a complete list of companies included in the official register of insurers.
Foreigners can also choose any of the UK. To apply for a policy, citizens of other countries must provide a passport, confirmation of registration and contact details.
How to choose an insurance program
Today, there are 4 main types of VHI:
- Basic. Such a policy allows document holders to consult with specialists, undergo diagnostic examinations and some types of therapy. Also, basic forms are designed for traveling abroad. The cost of a basic type voluntary medical insurance policy is the lowest (from 5-7 thousand rubles).
- Extended. This type of policy includes all the services of the basic form. However, in addition to this, the holderextended VHI can visit doctors at any time, make an appointment by phone and contact more qualified specialists out of turn. The cost of the form is slightly more expensive (about 17 thousand rubles).
- Full. This policy is considered the most expensive (up to 70 thousand rubles). Such insurance allows you to undergo treatment in almost any medical center. There are even programs that allow you to contact foreign specialists. At the same time, emergency examinations and expensive diagnostic procedures will be free.
- Combined. In this case, an individual program is drawn up, taking into account all the subtleties.
Signing the contract
Before paying for the insurance policy of voluntary medical insurance, it is recommended to study all documents very carefully.
If any clauses of the proposed contract confuse the client, do not be silent. It is necessary to clarify all the nuances and, if necessary, ask the employees of the insurance company to draw up a new contract.
Paying and receiving the policy
As a rule, VHI is paid directly at the office of insurers. To do this, you can use a bank transfer or pay for the services of the company in cash. In some UK there is the possibility of obtaining installments, especially when it comes to full insurance.
Some time after payment (about 14 days) the client receives the original document,which takes effect immediately. After that, a person can begin to visit medical institutions and receive all the necessary services in accordance with the previously signed contract.
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