Going to the doctor and getting your health back is expensive. Prescribed treatment and additional examinations can have an unpleasant effect on the family budget, because the cost of medical services and medications is quite high. Health insurance can help protect yourself and your family from unplanned expenses. A client chooses the program that best meets his or her needs. If you choose private health insurance you may be surprised by the high prices of such services.
Health insurance
Purchase of a voluntary health insurance policy is a guarantee that in the case of illness or injury, according to the terms of the contract, the insured client will receive:
- organization and payment for medical services by the insurance company;
- medication, which is necessary for treatment;
- reimbursement of money spent on treatment, if the treatment was performed independently, upon prior agreement with the insurance company’s coordinating doctor (reimbursement may be full or partial, in accordance with the terms of the contract).
How to get help from the insurance company?
When an insured event occurs (the insured person falls ill or gets injured), you must contact the insurance company and explain the symptoms of deteriorating health to the coordinating doctor, who will arrange the necessary medical services: call an ambulance, make an appointment with a doctor, etc.
What does the cost of health insurance depend on
The cost of the policy will depend on:
- the list of services that will be provided to the insured (outpatient clinic, dentistry, emergency care, etc.);
- the category of clinics where the client chooses to undergo examination/treatment;
- the amount of the sum insured that will be used to pay for the medical services provided;
- the age of the insured;
- individual data of the insured and other conditions of the contract.
The sum insured under a voluntary health insurance program will be used to pay medical institutions for provided medical services, or pharmacies – for purchased medicines.
The insurance company pays the insured a certain amount of money. The size of the payment depends on the chosen insurance program, and the way in which the money is used (for treatment, rehabilitation, etc.) is up to the insured person. It should also be understood that the cost of the insurance policy depends entirely on the conditions that the person chooses. You can optimize the price according to your priorities and get a great discount.
If you are surprised by the high cost of insurance, you also need to first assess all the risks that it includes. This will help you understand if the cost of insurance is justified and if it is worth buying. After all, if an insured event occurs, using insurance can help you save a lot and you should not forget that. In addition, having private health insurance saves you personal time, and gives you the opportunity to use the services of private clinics. So you can offset this cost with a discount on medical services and time savings.