VHI for children and its benefits

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

In accordance with Russian laws, he alth insurance services can be of two types - mandatory and voluntary. Compulsory he alth insurance is based on the amount of taxes paid by each citizen. It is impossible to refuse it. Voluntary insurance is made exclusively at the request of a person, covers a wider range of services. VHI insurance is especially important for children. After all, every parent is obliged to protect their child from any possible troubles, including he alth problems.

In this article, we will analyze exactly what advantages VHI has (insurance for children - a guarantee of their quality medical care) and how such a policy can be issued.

Benefits

When talking about the advantages of voluntary medical insurance, you can list a lot of points:

1. VHI programs for children allow you to apply an individual approach to any child. Your baby will be treated exactly as required by the characteristics of his he alth. There will be no leveling here.
2. As part of the policy, you can receive medical services for an amount many times higher than the cost of the insurance itself.
3. Parents are given the opportunity to choose a doctor or medical facility that will examine and treat their child. With compulsory insurance, you have the right to visit only the clinic with which the insurance company has an agreement.
4. The round-the-clock dispatch service can significantly save parents' time. For example, you can easily make an appointment with a specialist or call him to your home at a convenient time for you. In some cases, you will receive the necessary advice even by phone.
5. You can be sure that the ambulance will come to the child at the first call. The ambulance will always have a defibrillator and any other necessary equipment.
6. In an emergency, parents will be spared from finding the right specialist. All efforts to organize treatment will be taken over by representatives of the UK. Moreover, if there is suddenly no equipment in the medical institution, then it will be brought from another center or your child will be taken there. The insurance organization will also take care of transportation.
7. VHI policy for a child guarantees you the protection of interests in any disputes that arise during the treatment.
8. You will not be affected by the increase in the cost of medical services during the validity of the insurance contract. All risks are assumed by the UK.
9. The insurance contract can be drawn up in such a way that it includes those risks thatyou need.

Baby policy

Voluntary medical insurance can be issued right from the moment the baby is born. True, there is a small nuance here. The UK concludes such contracts for no more than a year. After this time, you will need to renew an existing contract or purchase a new policy. The essence of this restriction lies in the fact that during the first year, the crumbs show most of the possible hidden diseases. The risks may increase, and therefore the subsequent cost of the service may change. There are two types of VHI for a child under one year old:

• Economy. It involves a standard set of services: a visit by a pediatrician, home visits and the provision of services at a selected clinic.
• "Elite". Here the list can be expanded as much as possible. Your child will be supervised not only by a pediatrician, but by any other specialists of your choice. The baby will undergo a full diagnosis, including laboratory tests.

Insurance for children of foreigners

Participation of a VHI policy for children of foreign citizens is almost the same as usual. The only caveat may be that some insurance companies introduce an additional multiplier for such insurance. Therefore, the cost of the contract may be slightly higher. Voluntary insurance for children of foreigners contains the same list of services as the policy of a child of a citizen of the Russian Federation. And the doctor can be called at the location of the baby at the moment.

Preparing documents

To draw up a VHI contract for children, you will not have to collect any special certificates. The registration process includes only four points:

• apply;
• filling out the questionnaire;
• payment policy;
• signing of the contract.

The questionnaire is a list of questions about you and your child. You will be asked to indicate the sex of the baby, birth certificate data, place (address) of permanent residence. You also need to provide some information about yourself: passport data, position and place of work, address of residence and registration, contact numbers.

In addition, you will be offered a list of questions about the he alth of the baby, the availability of vaccinations. You will need to talk about how the pregnancy proceeded, whether there were any complications (when applying for a policy for children under 3 years old). Sometimes they also ask if you have insurance experience and what kind, where you were insured until now.

It's worth answering questions honestly. If it turns out that the child has a chronic disease, which the parents knew about, but did not indicate at the time of concluding the insurance contract, the insurance company has the right to demand through the court the return of monetary compensation and the recognition of the policy as invalid. So in some cases the IC manager may ask you to provide the child's medical record.

Voluntary insurance cost

Price of VHI insurance for children can be very diverse. It all depends on a number of things:

• how muchchild's age;
• what is the state of his he alth at the time of applying for the policy;
• is the insurance period long;
• what is the list of risks included in the program chosen by the parents;
• is it provided for the availability of additional services;
• what is the amount of the sum insured under the policy;
• Are other family members insured in this insurance company;
• other things.

The average cost of voluntary child insurance can be at the level of 30-40 thousand rubles. If the policy provides for treatment at home, the cost of the contract automatically increases by 35-40%. Another 50–60% of the cost will be added to you by the presence of a child with chronic diseases.

What is included in VHI

Children's insurance may contain a different list of services. It all depends on the choice and solvency of the parents.

VHI for children is most often divided into four groups:

• from birth to a year;
• from one to three;
• three to seven years;
• 7 and older.

Each of these programs can be either economy or extra class. The average VHI agreement usually includes:

• examination by a pediatrician, detection of diseases, treatment;
• annual scheduled inspection by specialized specialists;
• consultation of a psychologist, defectologist, speech therapist, audiologist;
• vaccination scheduling and vaccination;
• departure of the ambulance brigade;
• carrying out the necessary manipulations at home, except for those that are carried outonly in a hospital setting;
• home-based ambulance;
• tests, exercise therapy, massage, other procedures;
• laboratory tests (diagnostics);
• hospitalization if necessary;
• carrying out diagnostic, therapeutic, resuscitation actions in a hospital;
• application of anesthesia, surgery;
• consultation and dental services;
• other services of parent's choice.

Expiration date of insurance

Most often, a child insurance contract is concluded for a period of one year. But this is completely optional. By agreement with the insurance company, you can issue a policy for several months or several years at once. Everything will depend on how much you are willing to spend for these purposes.

How to get VHI insurance

Today, there are two ways to issue an insurance document:

• visit the IC office, personally communicate with the manager and choose the most suitable insurance option for yourself;
• use the website of the insurance organization.

Most often, a more or less large insurance organization has its own service portal, where in a few minutes you can choose the right product, pay for it, and after a while the courier will bring you the issued policy directly to your home.