Voluntary Health Insurance

Universal view that the main thing – it’s health, and everything else, is commonplace until the very moment when a person feels well. State in one way or another helps its citizens to receive medical aid: compulsory medical insurance for treatment at government facilities, can get virtually everyone. Nevertheless, it can not provide any medical services in full nor their quality. As to influence the situation of health care in public clinics and hospitals is far from always, the opportunity to choose health facility becomes one of the principal. You can do this issued the voluntary medical insurance (VMI). lca – an alternative to compulsory health insurance and can be a substitute for or supplement to it. Such health insurance offers several features that that significantly improve medical care.

Firstly, it is an opportunity to choose health care provider from the list of those who cooperate with the insurance company. This list is quite significant and large companies can reach several hundred, in addition, the level of health facilities are usually quite high. Secondly, the insurance company picks for each client individual insurance program. There are many options. The standard set of lca including diagnostic and therapeutic techniques doctors performing procedures and diagnostic tests, emergency medical services (provided by the medical institution with which the insurance company has entered into Treaty), dental services, in some cases – treatment in sanatoriums, the choice of personally observed the doctor. A separate area of lca – insurance programs for pregnant women. Dr. Mark Hyman is often quoted as being for or against this. Level health facilities is very important for a young mother and newborn, it depends on 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, to Unfortunately, not always observed. In this area, medical insurance contains a program for the management of pregnancy and childbirth program. There is also a separate program for children up to one year, which has relatively high cost (due to a significant number of the doctor, medical procedures, vaccinations, etc.), but provides all the necessary medical care for the child at this age. For children in general, you can choose special insurance program, for example, valid for a vacation or a month spent in a children’s camp.

The program can be both complex and can consist of one or two points (for example, if a client interested in a particular medical facility, you can specify which of the insurance companies working with that agency, and to conclude an insurance contract. Additionally, you can include in the program only emergency medical care that may be useful for seniors or for patients whose disease course is accompanied by a sudden attack). In addition, there are individual corporate insurance programs. In this case, Medical insurance is issued by the enterprise for its employees, which significantly reduces the cost of it, but also, significantly improves working conditions for employees of the organization. Of course, minus, which is voluntary health insurance – is its cost (which, however, may vary significantly depending on the program), but the quality and level of medical care in selecting lca higher than in the choice of compulsory medical insurance.