Voluntary health insurance is becoming increasingly popular in our country. The presence of such a policy allows the insured to receive qualified medical care free of charge.
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What it is
A VHI policy is a document that gives the insured person the right to receive a certain range of medical services in clinics and hospitals.
Insurance companies, as a rule, work only with legal entities, offering various insurance programs and types of policies.
VHI policies come in several types:
- base;
- full;
- extended;
- "constructor".
Basic policy
The basic policy entitles the insured person to receive a free initial consultation with specialists, as well as an examination by a therapist. Under this policy, you can receive a sick leave certificate, as well as a secondary examination by the necessary doctors.
Sometimes such a valid voluntary health insurance policy entitles you to have your teeth cleaned and receive the necessary dental treatment.
Providing emergency medical care is not included in the list of services under this type of policy.
This policy option is the cheapest; you can apply to some state and municipal medical institutions.
Extended policy
Under this policy you can receive not only the services provided for by the basic policy, but also additional ones. With such a policy, the insured person can visit all necessary doctors within a limited subject of the federation or municipality.
Emergency medical care is partially reimbursed by the insurance company. If you have such a policy, its owner can receive free sanatorium treatment once a year.
If necessary, you can undergo a massage course only in those medical institutions with which the insurance company has an agreement to provide such services.
Full policy
This policy is the most expensive. Using it, you can receive any medical care throughout our country for free. In some cases, treatment is provided in clinics in other countries.
The insurance company covers the client's expenses for the necessary sanatorium treatment, emergency and routine examinations, as well as the necessary studies and examinations.
Massage and other preventive measures are also an insured event.
The cost of such a policy can reach several tens of thousands of rubles for annual service. This is not surprising - the insured amount, in some cases, can reach several million rubles.
"Constructor" for the policy
Many insurance companies provide their clients with such a service as a “designer” for a policy. The essence of this service is that the client himself “collects” the set of medical services he needs.
Both the cost of the policy and the sum insured depend on this. You can, for example, choose only dental care or tests with an examination by a therapist.
Then, under this policy, it will be impossible to receive treatment in sanatoriums or attend massage sessions.
Difference between group and individual insurance
As already mentioned, insurance companies most often work with legal entities. Therefore, it is very difficult to find an insurer who will insure an individual individually.
For the insurance company itself, in technical terms, there is no difference between collective and individual insurance. But when insuring an individual, the risk of an insured event and, consequently, losses for the policyholder is too great.
A collective insurance agreement increases the competitiveness of the employer in the labor market. Providing a voluntary health insurance policy to your employees speaks of the employer’s concern.
In addition, part of the insurance is compensated to the employer - 6% of the wage fund can be written off when taxing profits.
Concluding a collective agreement for several individuals is much more profitable for the insurance companies themselves. Therefore, an individual policy is more expensive than a group policy for each individual employee.
If you have a voluntary health insurance policy, the insured person has the right to seek help only when an insured event occurs. This applies to both individual and collective policies.
What does the VHI insurance policy provide?
VHI insurance policy is:
- the opportunity to receive medical care in private clinics;
- if there is a VHI policy, the insured person is accepted out of turn. If there are indications for hospitalization, such a patient is placed in conditions of increased comfort.
However, there are some disadvantages:
- You can only contact those clinics and hospitals that have entered into an agreement with the insurance company;
- the high cost of an individual policy - if you are treated for a fee in private clinics, there is no difference;
- Medical care is provided free of charge only if it is an insured event and is included in the VHI program.
How it works
The insurance company undertakes not only to provide the client with qualified assistance, but also to protect his interests. Each client is assigned a manager who resolves organizational issues. Also, each client “has” his own personal doctor - a curator who resolves medical issues.
When an insured event occurs, the client has the right to receive assistance under the VHI program. These services are provided to him free of charge.
If during treatment it is necessary to do additional tests or consult with doctors, this will no longer be compensated by the insurance company.
Choosing a policy
To select an insurance company, you must first familiarize yourself with information about the company itself. To do this, you need to compare company ratings and the approximate cost of a VHI policy. The insurance company rating table is below. See the table comparing the cost of VHI policies from different companies at the end of the article.
Then you need to select an insurance program. This can be done with the help of a manager.
You need to start from the set of services that a particular person needs. This could be dental or emergency care in case of an accident, or it could be a full range of medical services.
When choosing a company, you need to consider the following:
Your health status and age. If you are over 30 years old, increasing rates apply. If you are between fifty and fifty-five years old, the increase factor may be 1.2. This means that the base cost of a VHI policy will increase by 1.2 times.
Using the policy
How can I ensure that payments under the VHI policy are made?
When an insured event occurs, the insured person must contact the supervising doctor and manager by telephone or other means and follow their instructions.
The doctor-curator will tell you which clinic is best to go to, and the manager will take upon himself the preparation of the necessary papers and documents. The client only needs to seek help from an accredited medical institution.
How to get a VHI policy (voluntary health insurance)
To obtain a voluntary health insurance policy, you must contact the selected insurance company and conclude an insurance agreement for a specific program.
You can find out where and how to apply for a voluntary health insurance policy either by phone or on the website of the selected insurance company.
The manager of this company will help you choose a program and conclude an agreement. He will also inform the client where to obtain the policy.
You must have with you:
- any document that proves your identity;
- medical questionnaire if you are insured as an individual;
- application for insurance for the company with which you are going to insure.
Advantages and disadvantages compared to compulsory medical insurance policy
The main disadvantage of the compulsory medical insurance policy is that it is accepted free of charge only in state and municipal clinics. To get to a doctor in such medical institutions, you need to wait in line for an appointment, and then for an appointment.
According to the VHI health insurance policy, patients are accepted out of turn. And this is the main advantage of a VHI policy over compulsory medical insurance.
The second disadvantage of compulsory medical insurance is unqualified medical care. Often in public clinics you can encounter unprofessionalism and arrogant attitude. You won’t find this in private clinics that provide voluntary health insurance.
There is only one disadvantage of a VHI policy over compulsory medical insurance - it is paid. To receive complete medical care at any time and anywhere, you need to pay several tens of thousands of rubles. Of course, not everyone can afford this.
Comparison of insurance company policies
To compare the cost of VHI policies from different companies, see the table:
On the website of each insurance company there is a calculator that allows you to approximately calculate the cost of the policy.
In the field of health insurance in Russia, mandatory and voluntary programs are used. Why should individuals apply for voluntary health insurance in 2019, what does it give and how to get a policy?
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Along with compulsory medical insurance, voluntary insurance programs are used in Russia.
VHI provides a wider range of medical services. How to obtain a VHI policy for individuals in the Russian Federation in 2019?
General points
In Russia, health insurance is recognized as mandatory for every person. According to the Constitution, citizens have the right to ensure health care and receive necessary services.
If emergency medical care is required, it will be provided even without insurance. But for regular medical care you need to take out a policy.
As part of compulsory medical insurance, an insured person can go to a public hospital and receive the necessary services free of charge. However, the list of such services is limited by law.
Of course, the patient will be admitted, diagnosed, and treated. But if additional examinations or an expensive operation are required, you will have to pay for it from your own funds.
Insurance is carried out on the basis of an agreement between the policyholder and the insurer. regulates the main content of the insurance contract.
According to this standard, voluntary insurance allows the parties to develop individual terms of cooperation, documenting them.
How to apply for a VHI policy for an individual
Applying for a voluntary health insurance policy must begin with choosing an insurance company. Preference should be given to a proven, licensed organization, since a guarantee of insurance compensation is needed.
In addition, large insurance companies often offer various discounts. Next, you should decide on your insurance program.
You need to choose not according to the “expensive-cheap” principle, but according to the list of insured events. If the proposed options do not meet your needs, you can create an individual program.
Most insurers offer this service. The next step is documenting insurance.
Application procedure
You can apply for a VHI policy in two ways – in person and online. In the latter case, usually only basic insurance or a predetermined program is taken out.
The finished document can be obtained in electronic format by contacting the insurance company in person or by ordering delivery.
Personal contact is advisable when extended insurance or individual selection of conditions is required. The step-by-step instructions are quite simple:
- Contact your chosen insurer.
- Discussion and selection of a suitable program.
- Providing the necessary documents.
- Conclusion of an insurance contract.
- Payment of insurance premiums.
- Obtaining a VHI policy.
List of documents
To apply for a VHI policy, an individual will need:
- completed application form;
- passport.
For a basic policy, which provides only preventive examinations and a minimum of services. For an extended policy, you will need to confirm the absence of serious health problems.
To do this, insurance companies have the right to request medical certificates. In some cases, a full medical examination is required.
It is important to know that a number of diseases do not allow you to apply for a VHI policy. The exclusion factors are:
- oncological diseases;
- venereal diseases;
- chronic severe diseases.
The age of the clients also matters. When insuring elderly clients and children, increasing coefficients may be applied.
What is its cost (price)
But it is important not only how to obtain a VHI policy for an individual; the price is often the determining criterion. VHI insurance does not have uniform tariffs.
The price of the policy depends on various factors. The cost is affected by:
- list of services included in the policy;
- age, gender and health status of the client;
- Lifestyle;
- field of activity;
- duration of insurance;
- region of residence;
- volume of insurance compensation.
For example, an extended policy for a young man will cost less than a similar policy for a woman. It is believed that women seek medical help more often.
Or you can compare two men whose parameters are almost the same (age, health). But one works in an office, and the other is a fireman. For the second, the policy will be more expensive, since the risks are higher.
Moscow
The cost of voluntary health insurance in Moscow can vary greatly. This is due to the programs, the number of clinics, and the level of the insurer.
For example, average prices for services depending on the content of the program:
Of course, the cost can go down and up. For an additional fee, you can use the option of assigning a separate doctor.
Premium service, which allows you to receive treatment abroad and expensive procedures, can cost hundreds of thousands of rubles.
Among the features of the capital's VHI policy, one can note the special program of the Moscow Government - for 10,000 rubles you can purchase an annual VHI policy and receive standard services under the compulsory medical insurance policy, but in a private clinic.
St. Petersburg
In St. Petersburg, the price of a policy is also influenced by a combination of factors. On average, the cost of extended insurance starts from 15,000-30,000 rubles per year.
If additional services are included in the policy, the price may increase to 200,000-300,000 rubles and more.
If we consider ready-made offers from insurers, the price varies between 14,000-60,000 rubles.
Most companies offer voluntary health insurance for persons from 1 year to 81 years. But at the same time, the policy will cost more for a child under 3 years old and a person over 60/65 years old, since the need for medical supervision is greater.
Where to go
When choosing an insurance company, you should pay attention to the following criteria:
- Insurer experience, especially in the field of health insurance;
- list of clinics included in the network of IC partners;
- territorial coverage (some insurance companies offer services throughout almost all of Russia);
- registration conditions (by age and list of insured events);
- customer reviews.
By default, it is more advisable to contact large insurance companies. They have sufficient experience and guarantee quality service.
A little-known insurer may offer good service, but at a lower cost. But there is a risk that the company will not be able to provide coverage for insurance claims at the right time.
Therefore, one of the most important points when applying for voluntary health insurance is the right choice of insurance company.
Ingosstrakh
IC Ingosstrakh has been operating since 1947. The company has representative offices in almost all Russian cities.
The insurer's partners include both private and public high-level medical institutions. The company's list of insurance programs is quite wide.
In this case, you can create an individual program. Services may include:
- outpatient solution;
- dentistry;
- hospitalization;
- pharmacy services;
- specialized treatment (for certain diseases), etc.
You can purchase online:
When transferring from another insurance company or taking out a policy for two or more people, a 5% discount is provided.
Reso
Insurance company "RESO-Garantia" offers the following voluntary health insurance programs:
- "Doctor Reso";
- "Aibolit";
- "Emergency help";
- "Labor migrant";
- "Pregnancy and childbirth";
- "Protection against tick-borne encephalitis."
Video: all the secrets about the health insurance policy
The cost of comprehensive VHI insurance at RESO-Garantiya (polyclinic + doctor at home + dentistry + ambulance) varies from 16,200 to 26,000 rubles, depending on the chosen clinic.
Alpha insurance
Voluntary health insurance at Alfa Insurance allows you to choose the right product among dozens of different options. For example:
The company has been in the insurance market for 25 years and has more than 270 regional offices.
The advantage of the company is the presence of its own network of multidisciplinary clinics, which allows us to 100% guarantee the provision of services of appropriate quality.
Sogaz
The Sogaz insurance company specializes mainly in corporate voluntary health insurance. For private clients, life and health insurance programs “Persona” are provided:
The cost of an Economy policy with a minimum insurance coverage of 30,000 rubles is only 120 rubles; with a maximum indemnity of 500,000 rubles, the policy price increases to 4,000 rubles.
Voluntary and compulsory health insurance policy.
Hello, guests and readers of the portal about. In today's article we will talk about voluntary and compulsory health insurance and policies Compulsory medical insurance And VHI. Now, most of my patients are patients from insurance companies who come to the clinic with a VHI policy. In the article I will describe my view - from my “bell tower” (bell tower) on this topic and what it is, as well as all the pros and cons of insurance and the provision of services using such a payment system.
In the medical insurance system, namely with insurance companies under contracts VHI I have been working at the time of writing for 1.5 years. Before that I worked in the system Compulsory medical insurance(compulsory health insurance), that is, according to ordinary policies that are issued to most citizens of the Russian Federation. I work as a neurologist. I provide outpatient appointments in private clinics (currently three) in St. Petersburg. In addition to seeing a neurologist, I also take it as a reflexologist, performing reflexology (acupuncture) procedures. As a doctor, I can say that working under such a health insurance system (voluntary) is much more comfortable for both the doctor and the patient, and now I will explain why.
Now, any medical service is paid for, even those that are called “free”.
It is paid from the compulsory medical insurance fund (if you have a compulsory health insurance policy), at your own expense, or from other sources (for example, under a voluntary health insurance agreement) by insurance companies or other organizations.
So, let's start first with the very concepts of compulsory and voluntary health insurance.
Compulsory health insurance and compulsory medical insurance policy.
Compulsory medical insurance is a type of insurance in which a certain list of medical services provided is paid from the compulsory medical insurance fund. This fund is replenished by the receipt of taxes and their redistribution in the state budget. Simply put, your employer (if you work officially under an employment contract) pays a certain amount of money to this fund every month to pay for the medical services you need. A document confirming your right to receive free (for you) medical care is a policy compulsory health insurance(compulsory medical insurance policy).
But this is so... ideally. In fact, of course, it does not fully cover the payment for the list of services necessary for the patient. Sometimes, you can undergo high-tech research methods, such as computer or (MRI), ultrasound, etc., but doing it in order of priority often delays the examination or treatment for months. Therefore, the patient often pays for many studies or treatment himself, or the policy does not pay for it or time does not allow.
Voluntary health insurance and VHI policy.
So, voluntary health insurance is also health insurance, only the amount of insurance and the conditions of insurance are chosen by the insured person (that’s why it’s voluntary). Such insurance is paid for by the insured person or another interested party, for example, his employer. In reality, everything happens as follows: some company pays for health insurance for its employees and according to the system voluntary health insurance and the employee receives a greater range of medical services in terms of payment options and implementation.
In fact, such services are often of higher quality because they are paid better. The medical center and the doctors working in it are interested in providing quality services; they will receive real money for this, which, as a rule, is significantly higher than payment from the compulsory medical insurance fund.
The voluntary health insurance agreement is concluded with the aim that employees of different companies can receive medical care at a higher level compared to the services provided in free clinics and hospitals.
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What is this
A VHI agreement is an official document concluded between two parties - an insurance organization (insurer) and various companies (insured).
According to this agreement, the insurer is obliged to organize and sponsor the provision of medical care to the policyholder under selected programs. The policyholder must pay a fixed amount of money under the contract for medical services.
A voluntary health insurance contract may include one or more services based on the selected program.
The difference between a compulsory health insurance agreement and a voluntary health insurance agreement
- the VHI agreement assumes that the patient is provided with a higher quality level of medical care;
- a VHI agreement differs from a compulsory health insurance agreement in that it is concluded for a specific, limited list of services;
- Compulsory medical insurance is issued free of charge to all citizens of the country, it is a mandatory part of state insurance, and a VHI policy is purchased for money on the personal initiative of citizens, or VHI is included in the social package from work;
- The compulsory medical insurance policy is limited to a certain standard set of free medical services in the clinic, VHI has expanded capabilities, allowing you to receive additional services along with the guaranteed ones;
- in compulsory medical insurance, the conditions are determined by the state, in voluntary medical insurance, all tariffs and programs are prescribed by insurance companies;
- in compulsory health insurance, the sources of funds are the state budget, and in voluntary health insurance, contributions from employers.
The voluntary health insurance agreement must spell out all the subtleties and nuances of its execution.
It must be in writing and contain a certain list of requirements, without which it will be declared invalid.
Contract time
All terms are discussed by two persons - a representative of the insurance company and the head of the company. It is usually concluded annually. If the contract does not specify the terms, it is considered invalid.
The contract specifies a special period called the waiting period. According to it, the insurer must be liable in the event of an insured event, but after the end of such a period.
The contract begins to be valid from the date of signing, but another option is possible - it comes into force after the first payment for medical insurance services.
Number and names of insured persons
There are two types of VHI: collective and individual.
Depending on the type, before drawing up the contract, an application must be filled out:
- for a company employee - if this is a collective voluntary health insurance agreement;
- for the policyholder personally, for his family members - an individual contract.
- When a contract is concluded for employees of an organization, the employer, the head of the company, acts as the insured, and the employees of the company act as the insured persons.
Types of insurance cases
The contract must necessarily include types of insured events. This official document must also indicate all exceptions, those cases that do not apply to insurance.
Insured events include the patient seeking help from a clinic that is included in the list of those included in the voluntary insurance program.
The contract may involve the provision of different types of assistance, both individually and jointly: from dental, outpatient, emergency and ambulance. The list of services is included in the annex to the contract.
Exceptions include the provision of medical care in case of injury in an inadequate state - alcohol or drugs.
Amount, terms and procedure for making insurance contributions
These conditions in the voluntary health insurance agreement must be clearly stated, without vague phrases and unclear, florid interpretation, so that there are no misunderstandings.
For example, if payment for insurance services was made untimely, the contract becomes invalid.
In accordance with the VHI agreement, insurance premiums can be paid at a time - in one lump sum or in several installments - by installments.
Sum insured
The person in whose favor the contract was concluded has the right to receive insurance payments.
In the event of an insured event, the insured person must receive assistance from the doctors of those clinics specified in the contract, and the medical institution must receive payment for the services provided in accordance with the agreed tariffs.
According to the contract, the list of services may change and vary, and in connection with this, the policyholder may change the amount of the insured amount by signing additional agreements with the insurer.
Rights, obligations and responsibilities of the parties
A company that insures its employees has the right to:
- check the availability of services provided in medical institutions and their validity.
- check whether the information provided by the policyholder in the contract is correct;
- refuse payment for services if this is provided for in the contract.
An insurance organization has its own rights - to make demands on its insurers to provide medical services to insured persons only in those clinics and hospitals that are prescribed in the VHI insurance contract.
Responsibilities of the insurer
- create the necessary conditions for the provision of medical services in accordance with the chosen program;
- issue policies to insured citizens;
- not to disclose personal data of persons;
- make payments for services on time - within the terms specified in the contract.
The policyholder is obliged
- if it is impossible to provide services, notify the insurer;
- provide complete information when concluding contracts about all circumstances and factors that may, in one way or another, affect the assessment of insurance risk;
- pay the insurance company on time.
Conclusion procedure
To conclude a VHI agreement, an application is submitted, which is drawn up directly for the policyholder, representatives of his family or for company employees in case of group insurance.
The application must include all personal information that may be required to select a program and its cost.
These include:
- professional field of activity;
- Family status;
- health status - presence of chronic diseases, injuries, past illnesses, physical condition;
- age;
- place of residence.
When signing an agreement that contains increased guarantees, which are the most highly paid, the application should include additional information of the following nature:
- at what age did the parents die;
- predisposition to diseases;
- whether the patient has hereditary diseases;
- results of basic tests - blood, urine, etc.;
- extracts from medical history. May need to go
additional examinations.
All this must be provided to the insurance organization when concluding an individual agreement, but if a collective agreement is concluded, then everything will be much simpler.
And you will not need to provide any additional information or papers.
After receiving the application, the insurance organization has the right:
- refuse to insure a person if there are objective reasons for this;
- take a risk without changing the terms of the contract, i.e. on standard terms;
- take risks by increasing tariffs and stipulating special conditions in the contract.
The application that must be filled out to create a VHI agreement specifies the period during which the document will be considered valid:
- a certain period of time - a trip abroad;
- specific period - 1 year -10 years;
- indefinite term.
Who concludes
Such an agreement is concluded between an organization operating in any field and regardless of the number of employees working in it and the insurance company.
Medical policies will be used by employees of the organization that has decided to insure the health of its clients.
Under a VHI contract, the insurance company undertakes to provide medical care in accordance with the chosen program.
Collective agreement
A collective agreement is concluded between a company of any field of activity, any number of employees and an insurance company.
An individual VHI program is drawn up for each client, based on the wishes of the policyholder.
The huge advantage of this type of insurance is that, thanks to its existence, you can be insured on preferential terms at cheaper rates than in the case of an individual agreement.
Individual
Concluding an individual VHI agreement is not as profitable as a collective one, because Insurance premium payments will be much higher, and it will no longer be the employer who will have to pay, but you personally, your family members.
The cost of a VHI policy will depend on the insurance program you choose and specified in the contract, your age, and the presence of health problems.
Separately, there are special programs for insurance of the elderly, students, children and other persons.
Regardless of what kind of agreement was concluded: individual or collective, you will have a policy in your hands, according to which you will be able to seek help from the medical institutions specified in the agreement.
Recently, the popularity of services offering voluntary health insurance has increased. Such services appeared relatively recently, but have already become established as one of the main methods of maintaining one’s health.
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What is VHI?
Voluntary health insurance is an opportunity to receive timely medical care and examination by concluding a contract with a private insurance company. It is a balanced alternative between compulsory health insurance and the possibility of visiting private clinics. It can also be an addition to, however, it will be paid.
At first glance, the advantage is not entirely obvious, however, if a balance is needed between the time spent on treatment, comfort and cost, then VHI will indeed be the optimal solution.
Who is the object of insurance for VHI?
The object of insurance under VHI is the personal interest of the policyholder related to life, health, and protection of pension contributions. Objects of insurance are tied to expenses for the provision of medical and other assistance in the event of an insured event.
Persons providing insurance services in the relevant market are called insurers.
Who can become insured?
Persons who have a VHI agreement are considered insured. Any persons who have reached the age of 18 and do not have critical health problems, or minors in the presence and with the documents of official guardians, can become insured under the VHI principle.
Exceptions to concluding an insurance contract are persons registered with the following institutions:
- Dermatovenerological, narcological, psychoneurological, tuberculosis dispensary.
- Oncology centers.
- Centers for HIV and AIDS Prevention.
- Persons with first and second disability groups.
What type of insurance case is called under VHI?
An insured event can be called an appeal by a client of an insurance company for the provision of medical care to an appropriate institution on the basis of a concluded contract. Only those cases that were agreed upon in advance by the terms and conditions for the provision of insurance services are considered.
What types of medical services are provided?
A VHI contract may include the following medical services:
- Programs for outpatient services. Includes free admission, observation and consultation with specialists, laboratory tests, and physiotherapeutic procedures.
- Possibility of calling a doctor or emergency medical assistance directly to your home.
- Treatment in inpatient clinics with the most modern equipment.
- Rehabilitation measures involving treatment in specialized resort sanatoriums.
- Routine examinations as preventive measures.
- An individual assigned doctor who can also manage administrative and organizational issues.
- Possibility of providing treatment abroad.
In what cases will medical assistance be provided?
If there is a valid VHI, medical care is provided to the insured person if he suffers an acute illness, exacerbation of chronic disease conditions, various injuries or poisoning. If the corresponding clause was noted in the terms of the contract, they will help during pregnancy, as well as with postpartum recovery and disease prevention.
What is not an insured event?
An insured event will not be:
- Anything that was not specified in the terms and conditions of insurance services.
- Pathological conditions or injuries caused by the use of alcohol, drugs and toxic substances.
- Consequences that arose after the insurance client transferred control of the vehicle to an intoxicated person.
- Damage caused by unlawful acts.
- Intentional self-harm and suicidal behavior.
What is included in the health insurance program?
- Call a doctor at home.
- Dental care.
- Diagnostics.
- Restorative rehabilitation.
- Health improvement.
- Prevention.
- Providing medicines.
What is the difference between VHI and compulsory medical insurance?
Compulsory health insurance is provided at the initiative of government health authorities to all citizens without exception and guarantees free medical care.
Features of compulsory medical insurance:
- Uniform for everyone, without the right to reform individual terms of the insurance contract.
- Medical care is provided at your place of residence.
- There are a number of services without sufficient financial support. This is where service problems arise.
Voluntary health insurance is exclusively a paid interest of a person who wishes to enter into an agreement with an insurance agent. It is some addition to compulsory medical insurance, however, it has a number of advantages and features, for example, such as:
- Insurance programs are created based on the client’s needs and have flexible terms and conditions.
- The provision of assistance does not depend on the place of registration.
- The commercial basis guarantees high quality service.
- Wide selection of clinics and treatment areas of interest.
Pros and cons of voluntary health insurance contracts
Advantages for clients of insurance services:
- Saving. The cost of the policy is fixed, which means that fluctuations in prices for medical care will not in any way affect the ability of the insured to receive medical services. The client pays only once, although he is insured for a large amount.
- Empowerment. You can use the services of several clinics at the same time.
- Providing comfortable conditions for treatment.
- The quality of medical services provided is strictly controlled.
- The ability to create your own individual insurance program and adjust it flexibly.
Minuses:
The service is not provided free of charge.
Pros and cons for companies when including VHI in the social package
Advantages for the employer:
- The annual wage bill can be reduced by several percent due to tax benefits.
- Reducing spending on unforeseen expenses that arise during employee incapacity.
- Labor productivity increases due to a healthy team.
- Increases the authority of the company and its leader.
The disadvantages include:
How to choose an insurance company?
An analysis of the reliability of insurance companies to select the appropriate one can be carried out based on the following methods:
- License check. A copy of such a document can be presented at the company office itself. To be more confident, you can look at the Rosstrakhnadzor website and check the appearance of the insurance company in the registry lists. The company must also be registered in the country where insurance services are provided.
- Sustainability assessment. The authorized capital of an insurance company must be at least 30 million rubles. This is the minimum allowable amount reflected in the law, thanks to which insurance services can be provided. Public companies typically disclose their reporting on their own websites.
- The ratio of the company's payment level to fees. This indicator shows how fair the company is and how often it meets the client halfway, satisfying his requests. Depending on time trends and the specific type of insurance, this indicator may change.
- Work only with public organizations. Those who hide their company data for no apparent reason may already be considered suspicious.
- High level of service provision. Qualified employees who answer any questions definitely increase trust in the company.
- Avoiding future bankruptcies. Tariffs that are too low for a long time may indicate ill-conceived monetary policy.
What is the difference between different VHI options?
There are several main types of insurance from the point of view of the organization and the insured employees of that organization:
- The classic version of VHI. The only option that is recognized by regulatory organizations. A circle of specific individuals is selected, who determine the program for themselves, receive a policy and the insured amount.
- Individual deposit option for VHI. Involves certain expenses for each employee. However, the unspent balance of one employee's insurance account cannot be transferred to another.
- Deposit collective option. All expenses must fit into the overall budget, otherwise the services of the insurance contract will not be provided.
How much does VHI insurance cost?
The cost of a voluntary health insurance policy starts from 20-30 thousand at the lower limits and has a fairly wide range of further prices.
Several factors influence the formation of the VHI price:
- Selecting a registering insurance company.
- Medical services included in the insurance package.
- Duration of insurance (the standard is usually a year).
- Correction factors that depend on the presence of chronic diseases or bad habits.
What documents are needed for insurance?
To apply to insurance organizations, as a rule, you need to have the following package of documents:
- Application for the provision of insurance services.
- Passport.
- Certificate of registration of a citizen on the territory of the Russian Federation.
If the insured person is incapacitated or is a minor, identification documents of the official representative of this person are required.
