Tag: financial

When strahuesh suburban real estate is very important to understand what benefits will be calculated when the insured event. When calculating the sum insured, the insurance company relies on data like cost of construction Building on the same territory. You can also calculate and premium – must be insured amount is multiplied by the average insurance rate – 0.65%. For example, if your sum insured – 1 million rubles, a premium of 6.5 thousand rubles per year. That is, the more you paid fees – the higher you will be paid by the insured amount.

Insurance rates are generally equal in all regions, but the payments are different. This is due to the fact that the cost of building materials and work in different areas and different cities of Russia. For example, in Moscow the highest insurance premiums. The decision on the amount of payments on the insured event takes an insurance company representative. In Depending on the case, he may do so either remotely, or having left the place where he can conduct an inventory and, in the special tariffs that take into account depreciation and other factors that will calculate the amount of payments.

In the event that estimate the company's representative will seem too low, you have the right to appeal to an independent appraiser. When you choose a program to express insurance agent will not be for you to go and assess the damage to phone (can also request a photo.) The essence of express insurance that you buy (usually one year) policy, with limited than with individual insurance payments. Private insurance considered to be more flexible and provides your personality and wishes. For example, you can insure your cottage for the winter only, if you are afraid to leave it unattended. It is usually assumed that the amendments premiums are always lower insurance premiums. It is not always so easy to understand that the maximum amount of payment you will receive only in the case of total destruction of your property. In other cases, the amount will be proportionate to the damage.

The general view that the most important – is health and everything else is trivial to the moment when a person feels well. State to a certain extent helps its citizens in Medical Care: Mandatory health insurance needed for medical treatment at government facilities, can get almost anyone. However, it can not provide any medical services adequate, nor their quality. As a specific person to make a difference in service in public clinics and hospitals will almost never succeed, the opportunity to choose medical facility coming to the plan. One way – to issue a voluntary health insurance (VHI). LCA is an alternative to OMC and can be a substitute for or supplement to it. Such health insurance offers several features that greatly improve medical care. The main thing – it's an opportunity to choose the facility from the list of those who cooperate with the insurance company.

This list is quite significant and large companies may be two or three hundreds of titles, in addition, the level of health facilities is often above average. Also, the insurance company picks for each client's individual insurance program. There are many different types. In a standard set of LCA included diagnostic and therapeutic techniques doctors performing procedures and diagnostic tests, emergency medical care (provided by medical institution with which the insurance company signed a contract) dental services, in some cases – rest in sanatoriums and dispensaries, provision of personal physician. A separate area of LCA – a program for pregnant women. The quality of health facilities is crucial to expectant mother and child depend on him their health and often lives.

In addition, in this situation it is important service that should be as polite and attentive, that in state hospitals, unfortunately, not always observed. In this area, medical insurance contains a program for the management of pregnancy and childbirth program. There is also a special program for children up to one year, which has a high cost (Due to the large number of the doctor's office, procedures, immunizations, etc.), but provides all the necessary medical treatment for a child at this age. For children in general, you can choose a special insurance program For example, on vacation or on time spent in a children's camp. The program can be complex and may consist of one or two points (for example, if a client is interested in a particular health facility, You can specify which of the insurance companies working with the institution and enter into a contract of insurance. Additionally, you can include in the program only emergency medical care that can be useful for seniors or for patients whose clinical course is accompanied by sudden attacks). In addition, there are individual corporate insurance programs. In this case, health insurance is purchased by the enterprise for its staff, which greatly reduces the cost of it, but also, significantly improves working conditions for employees of the organization. Of course, minus, which is a voluntary health insurance – is its cost (which, incidentally, can vary greatly depending on the program), but the quality and level of care when selecting this type of insurance is better than the choice of health insurance.

Has not been approved and another important document – the minutes of the sick, which contains both a list of medical services and drugs, as well as algorithms for their use. What kind of professional malpractice insurance, you can say? And are we ready for this step? Because such insurance is not required only a law, but also a large number of regulations, to develop our officials who, apparently, not with your hands. And while the medical community remains silent – impoverished, persecuted. Doctors were in the extreme confusion in that horrible day health of our country. Alexander Bronstein, Academician of RAMS, Director TSELT: – Insurance of doctors? Good work! But Russia, this is not ready yet. We do not have such a legal institution that could deal with this problem. And then, it is unclear who will bear financial responsibility for the unintended consequences of treatment.

The idea is that in private hospitals must insure themselves doctors themselves, in the state – doctors must to insure the state. But in today's already difficult financial situation, it is unreal. By the way 10 thousand rubles – that is the average price of medical errors in our country. You can not say about the U.S., where that severance pay claims to doctors, often reaching hundreds of thousands or even millions of dollars. Their payment usually take on insurance companies. The average American doctor spends on insurance premiums to 10% of their annual income, and average medical error by the court "costs" of about 140 thousand dollars. Facts and Figures The largest percentage of claims accounted for: dentists (30%) of obstetrician-gynecologists (14%) dermatocosmetologists and plastic surgeons (9.3%), ophthalmologists (8.5%) orthopedic trauma (4.6%), neurologists (3.7%) This official statistics of medical errors in Russia do not exist.