Health insurance is necessary, because it covers the damage associated with the most important value for a person – his health. There are two types of health insurance – individual and health insurance for small group.
Health insurance covers risks resulting from illness or accident with the insured person, as well as the risks associated with the financial provision of certain health services and products that are not included in compulsory health insurance. Thanks to such insurance, the costs for staying and treatment in a licensed medical institution are compensated.
Who can be covered by this insurance?
Any person or group of persons.
What are the benefits?
Health insurance guarantees high quality of medical services and rapid administrative services.
Depending on the chosen package of services, the policyholder can have access to all medical institutions and to all medical specialists in any city of the country; the policyholder also has tests done and receives treatment without referral from general practitioner, without queuing and restriction of quota for treatment by specialists; priority when visiting a specialist; diagnosis and admission to a medical institution (depending on the selected package of medical services); free choice when using specialized medical aid without referral from a general practitioner in any medical institution and from any specialist.
What are the types of health insurance?
As it was mentioned above, there are two types: individual and group.
Individual health insurance.
The policyholder chooses the package of medical services that he wants to use. The main packages are concerned with health prevention. It includes medical services for health protection and early diagnosis of diseases. Outpatient medical care includes primary and secondary examinations and examinations at the physician’s personal choice, outpatient and inpatient conditions. Hospital medical care includes diagnostics and treatment of the insured person in clinics and departments of multidisciplinary and specialized hospitals for active treatment, manipulation and operations. Dentistry provides services related to control over the condition of the oral cavity. When treating teeth, the policyholder uses the therapeutic and surgical services of dentistry.
Group health insurance.
It provides coverage for injuries resulting from an accident that results in the loss of capacity for work or the death of a group of people. This group of people can consist of the entire collective of employees of a particular company or only a part of it, from members of an association or club, as well as from clients of a particular organization. Insurance coverage can be used either as independent or as an addition to existing insurance coverage.
Why is a group health insurance better? It is cheaper. Why to pay more if you have the opportunity to get the same set of services for less money.
More and more employers realize that it is more profitable to save their key personnel with the help of convincing social packages and extended health plans. Health insurance is an extremely convenient and modern tool for the employer who wants to provide such care for his employees.