Everyone knows that the services of doctors are now not cheap, despite the fact that this industry is considered free. However, today in the country more and more often voluntary medical insurance is being introduced, which makes it possible to get fairly fast and very high-quality care and good service.
General information
So, this procedure is performed quickly enough and does not require much time. At the same time, voluntary health insurance helps provide adequate medical assistance when needed. In this case, specialists diagnose and prescribe the correct treatment much faster.
Some insurance programs also include preventative measures, such as inspection. Modern companies that care about the health of their employees, as well as smooth operation, try to include this procedure in their social package.
Naturally, voluntary medical insurance is made at the request of a person, has its own advantages and disadvantages, as well as design features. We will consider all these points in more detail.
Advantages and disadvantages
Voluntary health insurance has the following advantages:
- Respectful and more attentive attitude of doctors and staff to the patient.
- Specialists have all the necessary equipment.
“You have the opportunity to go to the clinic you want.”
- You do not have to stand in line for hours and listen to displeased neighbors.
- The appointment will be scheduled at a convenient time for you.
However, there are disadvantages:
- Voluntary medical insurance is provided by a special organization that mediates between the person and the clinic. The problem may be that your case may be considered one that is not provided for by the policy, so assistance may be refused.
- In pursuit of profit, doctors may prescribe inadequate treatment.
- A large number of young and insufficiently experienced specialists.
Naturally, these shortcomings cannot be attributed to all insurance companies and medical workers. 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 capabilities. For example, a standard service package provides:
- Dental care.
- Call an ambulance and a doctor at home.
- Attachment to any clinic.
Voluntary medical insurance in its program may also include a list of cases in which the company will not be required to pay for treatment. For example, the policy does not cover such diseases:
- HIV, tuberculosis, genetic and hereditary abnormalities, cerebral palsy.
- Mental pathologies.
- Neuroinfection.
- Oncological diseases.
This list may be longer. It all depends on the responsibility that the insurance company is ready to take upon itself . In addition, such cases require ongoing treatment, so the policy will be very expensive.
Voluntary and compulsory insurance: what is the difference?
As already mentioned, there are many packages that include certain services of specialists. However, in municipal enterprises, voluntary health insurance is most often not carried out. That is, another type of insurance is provided here - compulsory (compulsory health insurance). Therefore, the differences between the two procedures should be considered.
Compulsory insurance | Voluntary insurance |
1. Assumes equal opportunity to receive assistance. | 1. Provides additional services that are not provided for by compulsory medical insurance. |
2. The insurance program is developed by the Ministry of Health. | 2. It can 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 freedom of choice. |
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 to receive.
Features of the design of VHI
First of all, you should definitely conclude a voluntary health insurance contract. It should only be in writing. There is a certain form for such a document, which is provided to you by the insurance company. In addition, it should contain the following information:
1. The validity period of the document, as well as the names of both parties: the enterprise (in the case of a collective procedure) 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 making insurance premiums and their amount.
4. A list of those services that a medical institution is required to provide .
5. Responsibility of both parties in case of failure to fulfill the contract, as well as their rights and obligations.
After the conclusion of this contract, it begins to act immediately, unless otherwise provided. Participants in the transaction are issued a voluntary health insurance policy. You can contact the company personally, or your management.
Features of the use of the policy
Now consider the question of how you can use the document. So, the voluntary health insurance policy is used when an insured event occurs, provided for by the contract. If you have a completely different situation, and you need such help 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 refused, even if you have 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 alcohol or toxic intoxication.
3. Injury occurred as a result of a client committing an unlawful act 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!