There is no such person on Earth who would like to be sick. But, unfortunately, this happens, and in order to get medical help, you need a policy. Insurance medicine in Russia is mandatory. But are all types of services provided by the state-guaranteed health insurance program, and are there any additional opportunities?
Voluntary Health Insurance (VMI)
In the treatment often there is a need for additional diagnostics, preventive and rehabilitation procedures, consultations, which are not included in the mandatory program. To do this, there is voluntary health insurance (VMI). The VHI insurance policy will just help cover these costs.
The essence of VHI
A person chooses the most suitable program for him, which includes a number of specific medical services for a certain insurance amount. The envisaged number of services, the list of diseases, the level of medical institutions offered determines how much the VHI policy will cost. What does it give? In the event of an insured event, the client receives the necessary medical care within the prescribed insurance amount. The validity of the policy is indicated in the contract (usually 1 year). Adult and children's programs are formed separately and have some differences.
Program flexibility
The VHI policy for individuals is individual, as some types of services, hospitals, diagnostic centers, rehabilitation clinics, etc. are selected depending on the capabilities and wishes of each client.
Types of services
There are different types of services provided by the VHI policy. What could it be:
- outpatient services;
- hospital treatment;
- alternative dentist services;
- ambulance etc.
Buy a VHI policy. What will it give me? What to look for when choosing an insurer
- Availability of a license issued by the Federal Service for Supervision of Insurance Activities of Russia.
- The name of the company indicated in the license, its legal address, types of insurance activities.
- The presence of an agreement with a medical institution, which also has a license for its type of activity.
- History of the company in the insurance market.
- Ratings
- Payments made, etc.
- Visit a doctor at a predetermined time.
- Personal curator.
- The choice of medical institutions where medical services will be provided.
- The insurance company resolves problems with a medical institution.
- Select only the necessary services.
- Efficiency in emergency cases.
- The ability to pay the policy in installments.
- Service.
Some clarifications
Not all health problems that occur are considered an insured event. For example, dental health insurance also provides for dental services. What is it
mean? If the insured goes to the doctor with acute pain or aggravation of an existing problem, the insured event takes place and the insurer pays the bills. If a person just wants to replace the seal with a better one - you will have to pay extra. Or so: I did not go to the dentist for many years, most teeth require treatment, prosthetics, etc. In this case, insurance will not cover all expenses.
The most important thing
All opportunities for a voluntary medical program must be recognized at the conclusion of the contract. Then you will clearly know, having a VHI policy, what your policy includes and what doesn’t. So you will avoid unnecessary accusations against yourself or the address of the insurance company.