The policy of voluntary medical insurance buy to provide to yourself medical aid when there will be a need. However can happen and so that the insurance won’t help to solve a problem with health. The inattentive Pays twice Almost all policies of voluntary medical insurance except for the most expensive, have restrictions by quantity […]
The policy of voluntary medical insurance buy to provide to yourself medical aid when there will be a need. However can happen and so that the insurance won’t help to solve a problem with health.
The inattentive
Pays twice
Almost all policies of voluntary medical insurance except for the most expensive, have restrictions by quantity of visitings of the doctor, rendered medical procedures, departure of a brigade of first aid, time of stay in a hospital. For stomatologic programs of voluntary medical insurance restriction by quantity of teeth which can be cured is characteristic. Also the insurance cannot operate concerning expensive procedures and materials.
Sometimes services which are given under the insurance contract are intentionally described by general phrases. For example, in the program of the out-patient-polyclinic help carrying out of laboratory researches without the concrete list of these researches is specified. However subsequently it is found out that it is a question of rather poor set of the most primitive analyses, and, let us assume, on antibodies for definition of an allergy you should do the blood analysis already at additional expense.
Therefore at registration of the contract of insurance you should read very attentively its text and clear all not clear for you or indistinct formulations that precisely the nobility for what you pay.
One more slippery moment is an application of the franchize when you under the contract incur payment of medical services if their cost doesn’t exceed the certain sum. The franchize allows to reduce the price for the policy, doing such insurance attractive to clients. However the franchize is a two-edged sword. Whether there will be effective an economy on insurance cost if because of the franchize, for example, the medical expenses which are not exceeding, for example, two thousand of roubles, you have to pay from the pocket? In a similar case the insurance will justify yourself only in the event that you will have serious problems with the health demanding expensive medical services.
In voluntary medical insurance the franchize is used seldom enough, nevertheless, there is a risk to run into the unfair insurance company which practises contracts with the franchize, but doesn’t consider it necessary to pay attention of the clients to this circumstance. As a result you will be unpleasantly surprised, having found out that have paid for almost useless policy of voluntary medical insurance.
Standard exceptions
The text of any contract of voluntary medical insurance contains the list of exceptions at which insurance compensation isn’t paid. This list should be studied attentively not to feed unnecessary illusions concerning possibilities of the insurance.
Feature of voluntary medical insurance consists that insurance action doesn’t extend on medical services in diagnostics and treatment most a serious illness and so-called «the illnesses conducting to destruction». The HIV and AIDS, alcoholism, a narcotism and pathologies accompanying them, the diseases connected with a congenital pathology concern a tuberculosis, a chronic hepatitis, an epilepsy, sharp, chronic radiation sickness, diseases which physical inabilities of the first and second group have led. However, the exception of action of policy of voluntary medical insurance can appear and less heavy illnesses, for example, a diabetes at a current arthritis. Most likely it will not turn out to use policy of voluntary medical insurance at venereologic diseases, sexually transmitted diseases.
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