What is an LCA policy?

Free medicine, unfortunately, provides quality treatment is not in all cases. A trip to the state polyclinic is often associated with people with long queues in front of doctors' offices, unprofessional diagnostics, long waiting for necessary procedures. Wanting to get qualified doctors quickly, many are paid for additional services, as well as for free services, which are reimbursed to everyone according to the compulsory insurance policy. Is there really no way out, and this state of affairs can not be avoided? And yet there is a solution! This is voluntary medical insurance, which involves obtaining qualified medical care on an alternative basis.

More about voluntary insurance

So, what is VHI? First and foremost, this is an alternative, designed to ensure that high-quality medical services are provided to ordinary people in a larger volume than the OMS suggests.

The usual VHI policy contains a standard set of medical services: "first aid", consultation of the therapist (or pediatrician) at home with the patient, fixing for the medical institution, dental services. But this is only a basic option, the ability to choose the quantity and quality of services is available to everyone who enters into an insurance contract. For example, with voluntary insurance, it is possible to refuse the services of a dentist working in an attached polyclinic, and to add it to the contract.

What is an LCA policy can provide, what does not require compulsory insurance? Firstly, it is the provision of qualified assistance if necessary. Secondly, the consolidation of patients for modern polyclinics with professional medical personnel and equipment. Thirdly, additional services, such as accompanying the family doctor, comprehensive monitoring of the outpatient and inpatient treatment.

VHI-insurance assumes, if necessary, the inclusion in the list of services of expensive tests, plastic surgery, ophthalmology. The owner of the voluntary insurance policy during hospitalization, if specified in the contract, can be accommodated in the room of high comfort, make an appointment with different specialists, choose an improved food.

It is very convenient that such DMS insurance will allow to conduct clinical studies without personal visits to the clinic and loss of time in queues. A nurse coming to the house will take all the required tests and take them to a laboratory for research.

Who can apply for VHI?

Registration of policies is handled by an insurance company. VHI is a service that absolutely anyone can take advantage of. Sex, social status and age do not matter. Children's insurance has become very popular lately. Every parent cares about the health of his children more than about his own state of health. And there is nothing surprising, that people trust voluntary medical insurance, as a means of providing their children with quality treatment and prevention of diseases. In addition, adults appreciated the opportunity to get pediatrician advice on the phone.

What is VHI private and collective? These are the two main types of voluntary health insurance. Collective insurance is a program that allows managers and owners of enterprises to take care of employees' health. Standardly, it is included by the employer in the compensation package and covers the cost of care in the outpatient clinics: doctors' admission, home visits, examinations, diagnostics, sick leave and prescriptions. Corporate VHI may include other services: departure of "first aid", hospitalization, dental care. Insurance of employees by the employer raises labor productivity, company image, reduces morbidity in the team.

How much does VHI cost?

The cost of insurance directly depends on the number of selected medical services. The standard package costs less than the health insurance package with additional privileges. In any case, the price of VHI will cease to seem high, as soon as the client can assess the quality and efficiency of medical services, feel reliable assistance in the event of an illness and other unforeseen problems. Health - an indisputable value, without which it is impossible to enjoy life. A voluntary medical insurance is the right choice of a modern person.