Everyone knows that the services of doctors are nowexpensive, 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 get fast enough and very high-quality assistance and good service.
So, this procedure is done enoughquickly and does not require much time. At the same time, voluntary medical insurance helps provide adequate assistance to doctors when necessary. Specialists in this case make the diagnosis much faster and prescribe the correct treatment.
Some insurance programs providealso preventive measures, such as inspection. Modern firms that care about the health of their employees, as well as about the smooth operation, try to include this procedure in their social package.
Naturally, voluntary medical insurance is made at the request of the person, has its advantages and disadvantages, as well as features of registration. We will consider all these points in more detail.
Voluntary medical insurance has the following advantages:
- Respectful and more attentive attitude of doctors and staff to the patient.
- The specialists have available all the necessary equipment.
- You have the opportunity to go to the clinic where you want.
- You do not have to stand in a queue for hours and listen to disgruntled neighbors.
- Reception will be scheduled at a convenient time for you.
However, there are disadvantages:
- Voluntary medical insuranceprovided by a special organization that is an intermediary between a person and a clinic. The problem may lie in the fact that your case may be considered as such which is not covered by the policy, therefore assistance may be refused.
- In pursuit of profit, doctors may prescribe inadequate treatment.
- A large number of young and not enough experienced professionals.
Naturally, these shortcomings can not be attributed to all insurance companies and medical workers. They are the exception rather than the rule.
There are several programs that you choose at your discretion and financial opportunities. For example, the standard package of services provides:
- Dental care.
- Call an ambulance and a doctor at home.
- Attachment to any clinic.
Voluntary medical insurance in its program may 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 disorders, cerebral palsy.
- Mental pathology.
- Neuroinfection.
- Oncological diseases.
This list may be longer.It all depends on the responsibility that the insurance company is ready to assume. In addition, such cases require constant treatment, so the policy will be very expensive.
As already mentioned, there are manypackages that include certain services of specialists. However, voluntary medical insurance is most often not carried out at municipal enterprises. That is, another type of insurance is provided here - compulsory insurance. Therefore, the differences between these two procedures should be considered.
Compulsory insurance | Voluntary insurance |
1. Assumes equal opportunity in obtaining assistance. | 1. Provides additional services that are not provided by the MLA. |
2. The insurance program is developed by the Ministry of Health. | 2. May be collective and individual. |
3. Be sure to finance preventive examinations of employees. | 3. The choice of a package of services depends on your needs and financial capabilities. That is, you have the freedom to choose. |
In any case, compulsory and voluntary medical insurance allows you to get the help of specialists quickly and efficiently. However, you yourself have to decide how much service you want.
First of all, you should definitely concludevoluntary medical insurance contract. It must be in writing only. For such a document there is a certain form that is provided to you in the insurance company. In addition, it should contain the following information:
1. Validity of the document, as well as the names of both parties: the company (in the case of a procedure by the team) or the initials of a private person, as well as the insurance company.
2. The number of persons to be covered by the contract.
3. The procedure for the implementation of insurance premiums and their size.
4. The list of those services that must be provided by a medical institution.
5. Responsibility of both parties in case of default of the contract, as well as their rights and obligations.
After the conclusion of this contract, he beginsact immediately unless otherwise provided. The transaction participants are issued a voluntary medical insurance policy. You can contact the company personally or your management.
Теперь рассмотрим вопрос о том, как же вы можете use the document. So, the policy of voluntary medical insurance is used when an insured event occurs, provided for by the contract. If you have a completely different situation, and you need such assistance that was not prescribed in the document, then you will have to pay for additional services.
Please note that in some cases the provision of services may be denied, even if you have PDMS. For example, if:
1. Before signing the contract, the client was hidden some information about the state of his health.
2. The insured event occurred as a result of alcohol or toxic intoxication.
3. The injury occurred as a result of the client committing unlawful acts or attempted suicide.
In other cases, you can safely submit your policy to the institution to which you are attached.
That's all. Be healthy!
