Voluntary medical insurance usually doesn’t include payment of medical services in psychotherapy, logopedics, manipulation, a heart surgery, neurosurgery, hemodialysis carrying out at chronic nephritic insufficiency, transplantation of bodies and fabrics, to surgical treatment of short-sightedness, a far-sightedness, an astigmatism, treatment of an impotence, sexual frustration and barrenesses, psychiatric diseases, to carrying out of abortions. Prosthetics […]
Voluntary medical insurance usually doesn’t include payment of medical services in psychotherapy, logopedics, manipulation, a heart surgery, neurosurgery, hemodialysis carrying out at chronic nephritic insufficiency, transplantation of bodies and fabrics, to surgical treatment of short-sightedness, a far-sightedness, an astigmatism, treatment of an impotence, sexual frustration and barrenesses, psychiatric diseases, to carrying out of abortions. Prosthetics of teeth and service of the orthodontist too practically are always excluded from the list of services in stomatologic programs of voluntary medical insurance .
Treaty provisions of voluntary medical insurance don’t provide delivery of inquiries for reception of a driving license, permissions to carrying of the weapon, visiting of pool, a sanatorium card, a medical card in preschool and educational institutions.
The reserve is punishable
The insurance company has the right to terminate contract of voluntary medical insurance without any indemnification to the owner of the policy if it will be found out that at the conclusion of the contract it has entered into errors of the employee of the company concerning a condition of the health.
At registration of policies of voluntary medical insurance it is not required to pass medical examination, therefore to hide presence of this or that disease which enters into an exception under the insurance, it is possible. If at rendering of medical aid truth comes to light, the insurance company nullifies the prisoner with you the contract and the money spent for policy of voluntary medical insurance will be gone.
In cancellation of the contract of insurance can result infringement of obligations on payment of insurance payments. Standard policy of voluntary medical insurance is calculated for one year. Some insurance companies allow to pay the insurance by installments, more often, two parts. If you detain the second part of payment, action of your insurance can be suspended. At a long delay of a payment for policy of voluntary medical insurance more than one month, the insurance company can and terminate at all the prisoner with you the contract.
Payment of medical services stops in day of the termination of action of your policy of voluntary medical insurance. Therefore, if at the moment of the termination of period of validity of the insurance you lie in hospital or to receive medical treatment, it is necessary to pay all accounts for medical and accompanying services already from own means.
In what cases acquisition of policy of voluntary medical insurance will be inexpedient?
Is inexpedient to get policy of voluntary medical insurance to young men with a sound health who does not have chronic diseases, seldom ill in a current of the year, attached under policy of necessary medical insurance to good territorial polyclinic.
If you suffer the serious diseases which treatment, as a rule, is excluded from rules of insurance of the majority of the companies, to be spent for policy voluntary medical insurance is not meaningful.
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