Voluntary medical insurance is service in health which offers the insurance companies as addition to obligatory medical insurance (ОМI). The policy of voluntary medical insurance provides to the owner the right to use the medical institutions provided by the program of insurance during stipulated term. What are the advantages of voluntary medical insurance? The contract […]
Voluntary medical insurance is service in health which offers the insurance companies as addition to obligatory medical insurance (ОМI). The policy of voluntary medical insurance provides to the owner the right to use the medical institutions provided by the program of insurance during stipulated term.
What are the advantages of voluntary medical insurance?
The contract of voluntary medical insurance guarantees rendering of medical services within the insurance sum which can exceed policy cost considerably.
The insurance companies choose the medical institutions which have proved from the best party as partners, therefore the owner of voluntary medical insurance receives quality services. Thus quality of medical services is constantly supervised by the insurance company and any conflict situations are resolved by means of its experts.
Distinctive feature of voluntary medical insurance is support insured in the course of service.
The personal manager is necessarily attached to each owner of the policy prosecuting by organizational subjects and the doctor-curator who solves questions of medical character.
What can enter into the program of voluntary medical insurance?
Program of voluntary medical insurance is completed taking into account requirements financial possibilities of the client of the insurance company. Insurance programs can include out-patient-polyclinic service, a call of the doctor on the house, services of the first help and hospitalization.
What is considered insured event in voluntary medical insurance?
Insured event in voluntary medical insurance is a reference of the owner of policy of voluntary medical insurance during period of validity of the contract of insurance in the medical institution provided by the contract, for reception of the medical or other service included in program voluntary medical insurance. Besides direct medical aid — treatments, consultations and diagnostics, policy of voluntary medical insurance can include transportation service in medical institution, delivery of medicines and etc.
Kinds of insured events and exceptions of them on which insurance action doesn’t extend should be specified or in the insurance contract or in policy of voluntary medical insurance.
Whether it is possible to change treaty provisions of voluntary medical insurance in its action if there was a necessity to change the list of accessible services?
Insurance conditions allow to change the majority of the insurance companies. If it is required to expand the list of services or any in another way to improve quality of accessible health services it is required to bring an additional insurance payment.
How expenses on health services under policy of voluntary medical insurance are refunded? The insurance company will refund documentary confirmed expenses on health services?
Typical policy of voluntary medical insurance doesn’t provide payment of insurance compensation. The insurance company pays accounts for the medical services rendered to the owner of policy voluntary medical insurance, is direct to medical institutions. Thus, the client pays only once, at purchase of policy of voluntary medical insurance and all expenses for treatment are born by the insurance company.
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