Health insurance – is a form of social protection of population’s health needs, expressed in the guarantee of payment for medical care when an insured event on account of accumulated funds. Health insurance helps to ensure the citizen free of charge providing a certain amount of medical services when an insured event (health problem) in […]
Health insurance – is a form of social protection of population’s health needs, expressed in the guarantee of payment for medical care when an insured event on account of accumulated funds.
Health insurance helps to ensure the citizen free of charge providing a certain amount of medical services when an insured event (health problem) in the presence of a contract with the medical insurance organization. The latter bears the cost of paying for the case of medical care (risk) since the first installment payment of the citizen to the appropriate fund.
Compulsory health insurance – is the kind of compulsory social insurance, which is a system of created state legal, economic and organizational measures designed to ensure when the insured event the guarantees of free provision of health care at the expense of mandatory health insurance program within the territorial mandatory health insurance and established by the present law within the basic program of compulsory health insurance
Voluntary health insurance is an additional program to the assigned amount of medical care that applies to the persons specified in the policy-holders as beneficiaries. VHI is carried out at the expense of a certain budget, the personal contributions of citizens, and contributions by the employer.
It should be noted that VMI does not insure health, but the costs of treatment; the latter ones are usually reimbursed to the insured usually or at the stage of medical interventions (pharmaceuticals, diagnostics, hospital), or by type of medical care (dentistry, gynecology, cosmetics, death), or by shares of expenditure for payment of medical care (full compensation, the percentage compensation, the compensation within a certain amount).
Voluntary health insurance is subdivided into individual (taking into account the complexity of the particular disease of a specific person) and collective (which takes into account the risk of certain diseases in a group of persons).
Those who decided to acquire health insurance will have to puzzle over vigorously. Insurers offer dozens of different programs of VMI with different conditions and different prices. In addition, you can purchase a comprehensive policy of VMI. This is usually polyclinic service without limiting the number of appeals. Although there are variations. Assume, if we take a complex VIP-policy – here you have outpatient treatment and inpatient, and dentistry. But, of course, VIP will cost in several times more expensive than the standard.
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