Voluntary health insurance. Voluntary medical insurance policy

Everyone knows that the services of doctors are now expensive, despite the fact that this industry is considered free. However, today, voluntary medical insurance is increasingly being introduced in the country, which makes it possible to obtain fast and very high-quality care and good services

General information

So, this procedure is fast enough and does not take much time. At the same time, voluntary health insurance helps to provide adequate assistance to doctors, when necessary. Specialists in this case much quicker diagnose and prescribe the right treatment.

Some insurance programs also provide for preventive measures, such as 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 the request of a person, has its own merits and demerits, as well as design features. All these points will be considered in more detail.

Advantages and disadvantages

Voluntary health insurance has such 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 time convenient for you.

However, there are also disadvantages:

- Voluntary health insurance is 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 the 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 professionals. 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.

- Attachment to any polyclinic.

Voluntary medical insurance in its program can also provide 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 many packages, including those or other services of specialists. However, at municipal enterprises voluntarily medical insurance is often not carried out. 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 necessarily conclude a voluntary health insurance contract. He 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. The terms of validity 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 the implementation of insurance premiums and their amount.

4. List of those services that are required to provide a medical facility.

5. The 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, it begins to act immediately, unless otherwise provided. The participants of the transaction are issued a policy of voluntary medical insurance. You can contact the company personally or your management.

Peculiarities of using the policy

Now consider the question of how you can use the document. So, the policy of voluntary medical insurance is used when there comes an insurance event, stipulated by the contract. If you have a completely different situation, and you need such help, which was 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!