The medical insurance price raises if predisposition to a diabetes, cardiovascular, oncological diseases, cholelithic illnesses, deviations in mentality is peculiar to you. Also at calculation of cost of the policy the craniocereberal traumas transferred by you, complications after children’s illnesses, abusing alcohol, smoking, work on harmful manufacture are considered. Most expensively voluntary medical insurance will […]
The medical insurance price raises if predisposition to a diabetes, cardiovascular, oncological diseases, cholelithic illnesses, deviations in mentality is peculiar to you. Also at calculation of cost of the policy the craniocereberal traumas transferred by you, complications after children’s illnesses, abusing alcohol, smoking, work on harmful manufacture are considered. Most expensively voluntary medical insurance will manage if you suffer chronic disease which becomes aggravated more often than two times a year, hypertensive illness, have transferred difficult operation. Besides, higher quotations are established on insurance of children and older persons.
The majority of the insurance companies don’t practise medical inspections at registration of policies of voluntary medical insurance relying on honesty of the clients. However if subsequently it will be found out that you have intentionally misled the insurance company concerning a condition of the health, the insurance contract is terminated. The money paid for the policy thus doesn’t come back.
Different variants of voluntary medical insurance differ.
Programs of voluntary medical insurance differ with a set of services, quality of service and appointment.
The most simple and inexpensive variants of voluntary medical insurance guarantee out-patient service in good clinic excepting difficult kinds of diagnostics, such as a tomography. It is possible to be insured only on reception of emergency medical aid, let us assume, at traumas as a result of road and transport incident.
Expanded programmes allow you to use doctors and to make tests in-home and in polyclinic, to be treated in a hospital, include the urgent and stomatologic help. The full medical insurance protects you and during stay abroad more often.
The most expensive programs of voluntary medical insurance can include even treatment in the foreign medical centers. Annual cost of such medical insurance is estimated in thousand dollars.
For children, pregnant women and older persons there are special programs of voluntary medical insurance which consider their special requirements for health services.
Some insurance companies offer complex insurance of all family. On conditions of such program of voluntary medical insurance of all members of a family – both children and adults are served by the family doctor. If necessary for consultations narrow experts are involved.
The separate direction of voluntary medical insurance is connected with granting of services to the travelers who are going abroad. Usually the medical insurance for the traveler operates throughout your trip, but for those who go abroad regularly there are other variants. If on travel medical aid is required to you the insurance company will pay your expenses.
The insurance company will pay your accounts for the services of the doctor which has been written out by it of a medicine, transportation to medical institution, sending for the place of residence, and in case of death of the insured will provide delivery of its body home. It is possible to insure both one person and all family.
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