Free medicine, unfortunately, does not provide high-quality treatment in all cases. A trip to a state clinic is often associated with people with long lines in front of doctors' offices, unprofessional diagnostics, and a long wait for the necessary procedures. Wanting to get qualified doctors' help faster, many pay both for additional services and for free services, which everyone owes 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 to the problem! This is a voluntary medical insurance, which provides for the qualified assistance of doctors on an alternative basis.
More on voluntary insurance
So what is VHI? First of all, this is an alternative designed to ensure that ordinary people receive high-quality medical services more than the MHI suggests.
The usual VHI policy contains a standard set of medical services: ambulance, consultation of a therapist (or pediatrician) at the patient’s home, assignment to a medical institution, and dental services. But this is only the basic option; everyone who signs an insurance contract has the opportunity to choose the quantity and quality of services . For example, with voluntary insurance, it is possible to refuse the services of a dentist working in an attached clinic and add this to the contract.
What is a VHI policy that can provide, which compulsory insurance does not imply? Firstly, the provision of qualified assistance if necessary. Secondly, patients are assigned to modern clinics with professional medical personnel and equipment. Thirdly, additional services, such as escorting a family doctor, comprehensive monitoring of the course of outpatient and inpatient treatment.
VHI insurance involves, 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 a high comfort room, make an appointment with various specialists, choose an improved diet.
It is very convenient that such VHI insurance will allow conducting clinical trials without a personal visit to the clinic and loss of time in the queues. A nurse arriving at home will take all the required tests and take them to the laboratory for examination.
Who can apply for VHI?
The policy is drawn up by an insurance company. VHI is a service that anyone can use. Gender, social status and age do not matter. Child insurance has become very popular lately. Any parent cares about the health of their children more than about their own health. And it is not surprising that people trust voluntary health insurance as a means of providing their children with quality treatment and disease prevention. In addition, adults appreciated the possibility of receiving pediatrician's advice over 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 the health of workers. As a standard, it is included by the employer in the compensation package and covers the costs of servicing in outpatient clinics: doctors, home visits, examinations, diagnostics, issuance of sick leave and prescriptions. Corporate VHI may also include other services: ambulance departure, hospitalization, dental care. Employer
insurance for employees increases labor productivity, the image of the company, reduces the incidence in the team.
How much is VHI?
The cost of insurance depends on the number of selected medical services. A standard package costs less than a health insurance package with additional privileges. In any case, the price of VHI will no longer seem high as soon as the client can assess the quality and efficiency of medical services, feel reliable assistance in case of ailment and other unforeseen problems. Health is an indisputable value, without which it is impossible to enjoy life. And voluntary medical insurance is the right choice for a modern person.