Voluntary Health Insurance

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.