Health insurance as a method of state’s protection of patient’s rights to good treatment and protection of own health goes back to ancient times. Compulsory medical insurance – is state-guaranteed package of arrangements of inhabitants’ and their families’ tangible security in the case of malady, disability, in senility; health protection of mothers with children, etc. […]
Health insurance as a method of state’s protection of patient’s rights to good treatment and protection of own health goes back to ancient times.
Compulsory medical insurance – is state-guaranteed package of arrangements of inhabitants’ and their families’ tangible security in the case of malady, disability, in senility; health protection of mothers with children, etc.
Voluntary health insurance assures payment for medical services concerned directly to healing. Moreover, many various programs are proposed to the insured person – at choice. Some of them imply medical insurance of stand and temporal disability or the need for rehabilitation; some proposals can even contain such items as payment for sports and recreation services and joining to a healthy lifestyle.
Compulsory health insurance has several positive moments for citizens, such as:
– The possibility to obtain medical aid not only in the domicile, but on the entire territory of the state;
– Working citizens are ensured by policy of mandatory health insurance since the signing a labor contract with them. And it’s not just words, but a canon of law, guaranteed by the government.
The cons of mandatory medical insurance are that it covers not all kinds of therapeutic and preventative medical services that may be needed for the citizen.
Voluntary health insurance has its pros too. One of the most pleasing of them – is freedom of choice. The insurer draws up the program by himself and chooses the medical facilities from the offered ones. In this case, the insurer advises you on all questions, but nevertheless the insured decides in this case.
An important nuance can be time economy provided by the voluntary health insurance. You do not have to look for a good medical facility or jostle in queues at the door of a medical cabinet. The owner of the policy is able to visit the most popular medical facilities included in a specific insurance program.
Voluntary health insurance involves a significant monetary savings: the policy holder will not have unnecessary medication. The insured person who has paid the policy for the entire term of its action is assured from the tariff increase for medical services.
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