Voluntary medical insurance in Russia not as widespread as in foreign countries. Very often you can hear such an opinion that superstitious people do not insure themselves, because they believe that if they entered into an insurance contract, something bad should happen. But this is just an excuse. In fact, this is due to the low income level of the population, which does not allow saving money for such insurance.
Type of personal insurance
Voluntary medical insurance is one of the types of personal insurance that provides compensation in the event of monetary costs at the time of treatment in medical institutions, which should be specified in the contract concluded with the insurance company.
Such a service is useful, given the ever-increasing prices of medical care, various drugs and medical products. In addition, voluntary medical insurance allows you to be confident in the future for both the insured person and his family, who often acts as the beneficiary according to the concluded agreements.
May include a variety of risks and options
Quite a lot of insurance companies that operate in the Russian Federation provide such a service as voluntary medical insurance. Moreover, everyone has their own set of options, risks, conditions that are included in the contract. Some offer an ambulance call, while others are ready to create individual conditions for each client.
The most popular conditions that include almost all insurance companies in the voluntary health insurance policy are:
- outpatient and ambulance;
- dentist services;
- professional inspection of employees;
- provision of medicines during treatment;
- help during pregnancy and childbirth;
- various health courses, procedures.
How to choose an insurance company?
Before entering into a voluntary health insurance contract, you must select the appropriate insurance company. Since there are a fairly large number of organizations on the financial services market that are ready to offer you such insurance, it is difficult to make the right choice.
The first thing you need to pay attention to the reputation of the company. Moreover, reputation is not the amount of advertising that is constantly shown on TV, pasted at stops and walls of houses. The insurer's rating is confirmed only by customer reviews, the volume of insurance contracts concluded, as well as the amount of annual compensation payments to victims.
In addition, when reading a voluntary health insurance policy, you must pay attention to absolutely all clauses of the contract. Study the conditions under which the payment of compensation is not carried out, and also find out if the amount of damage paid is subtracted from the general insurance. There are many nuances, consider the insurance conditions of several of the largest companies.
How much does an insurance policy cost?
Perhaps, voluntary medical insurance of citizens has such a different cost in each insurance company that it is impossible to answer this question precisely and unequivocally. The high cost or low cost of insurance depends on the set of options and risks that are included in the conditions.
For example, if the insurance conditions include a deductible of 0 and dental care, then this is quite expensive voluntary medical insurance.The cost will be significantly lower if there is a franchise and there are no additional risks. Budget options start from five thousand rubles.
Why insure yourself
Unfortunately, you can be sure that in the absence of a law on compulsory motor third party liability insurance, many drivers would not have insured their vehicles.
The point here is absolutely not the question “will happen or will not happen?”, But that with the help of insurance it is possible to provide yourself or your family with good financial support in the event of a sad event. Indeed, you must admit that treatment today is not cheap.
In this way they act in the whole civilized world - there is not a single developed country where treatment would cost a penny. In some countries, similar health insurance is mandatory, for example, in the United States.
Moreover, some insurance companies offer an accumulative type of personal insurance, that is, every month you pay a certain amount, which at the end of the term will be paid to you in full if the insurance event does not occur. But with this type of insurance, contracts are generally concluded for a longer period than a year.
