In order to receive medical services, it is required compulsory health insurance policy. He fully meets all the requirements of the average person. But if all that is needed can be done with such compulsory insurance, why pay money for the VHI policy? The best answer is: for the quality, speed and reliability of services that are not always at the proper level when receiving free medical services.
What is VHI?
The first thing you need to understand is that VHI is voluntary health insurance. No one is required to issue it without fail. It’s just that the state offers every person the opportunity to take care of their own health independently, without looking at what is available for free and what is not. Since many citizens are outraged that now it is necessary to pay for treatment, it is necessary to remind once again that treatment of an average person can be successfully performed also under a free health insurance policy. VHI just offers to officially pay doctors (something that many previously, without thinking, did informally and in much larger volumes) for a higher level of service.
It should be remembered that VHI does not directly insure the health of a person, but pays for its treatment costs, if any. VHI insurance also allows you to use medical services that are not mandatory and are not part of the usual medical care. Naturally, not everyone needs them, but if necessary, a person will not be forced to urgently seek funds for a fee to doctors - everything has already been paid for and is guaranteed by this insurance policy.
What services are available if a VHI policy is issued?
It is best to answer the question: “What is VHI?” - it is possible by listing those medical services that can be used by the person who has it. So, paid services (that is, those that are paid for through voluntary medical insurance) include types of medical care that are not included in the list of guaranteed by the state, services that citizens wish to use in excess of the norms specified in the legislation, and medical care provided to individuals not entitled to receive it for free.
That is, if an individual citizen does not actually use medical services and has excellent health, then he may not need a policy (although anything happens in life). If there are serious problems with the body, then, having issued a VHI policy, you can get both better and much faster medical care. It should be remembered that in most cases this type of insurance does not take effect immediately after the conclusion of the contract, but after a few days, therefore you need to take care of it in advance.
Individual or corporate?
Like all other types of insurance, whether it is car or real estate insurance, VHI insurance is divided into two types. The first one is individual. That is, a person independently makes a decision on the need to arrange this type of insurance, selects the organization that will take care of insurance, and the type of VHI. The insurance companies offer many different options for such policies, differing mainly in the list of services and the amount of payment that will need to be paid upon conclusion of the contract.
Corporate voluntary health insurance is a contract concluded between an organization and an insurance company, according to which all employees of an enterprise are considered insured with all the ensuing benefits. For legal entities, the benefit consists in increasing efficiency (workers recover faster by receiving the most qualified medical assistance) and improving the prestige of the company. In addition, any insurance premiums that will be paid by the company (up to 6% of the total wage) are deducted from the amount of taxes payable. Thus, without losing anything, the legal entity improves working conditions and makes work more prestigious.
Non-residents
In connection with the latest changes in the legislation, all non-residents are required to take out VHI insurance if they want to get a job. On the one hand, for them it’s an extra cost that I would like to avoid, on the other, now in case of illness, a non-resident will receive medical care at the highest level, not at the expense of citizens, but for his own money. The VHI policy for non-residents required for applying for a job is not very expensive. This, of course, is a definite advantage of it. At the same time, many insurance companies use this. VHI, which they offer to issue, may include only specific types of services obligatory for registration at the legislative level, or, conversely, to offer a complete list of everything that is possible, depending on what this particular person needs.
pros
The main bonuses are speed of service, higher qualification of medical personnel, access to a variety of services, the need for which may arise, but which are not guaranteed by the state to the population. In addition, the more “privileged” status of policyholders provides them with increased attention from doctors, the absence of the need to stand in line to get an appointment, and many other pleasant things that do not directly affect treatment, but significantly increase its comfort. If a person works, and an agreement is concluded between his employer and the insurance, then all additional medical services will not cost him a penny at all. All this makes it possible to understand what VHI is.
Minuses
The main and only negative is the cost. Depending on the list of necessary services, it can range from 1-2 thousand rubles per year (basic service, not much different from free medicine). The maximum bar does not exist in principle, since the larger the payment, the more services will be available in any city in the country. It should be noted that some insurance companies enter into an agreement between themselves that allows transferring VHI from one to another, depending on the region in which medical assistance is required for the insured person. It should be remembered that this negative feature is characteristic only for individual insurance, and with corporate insurance, the insured person not only pays nothing, but also receives the maximum possible.
Summary
Based on the foregoing, we can confidently answer the question: “What is VHI?” This is an opportunity to receive maximum medical care and comfort for relatively little money. It is no secret that it is impossible to save on health, and if you had to pay a lot of money in order to get quality assistance, now, being an insured person, a person automatically receives it at no additional cost. The maximum benefit is achieved when VHI is paid by the company as a corporate type of insurance. In this option, the employer can be sure that his employee will be provided with the maximum of medical services, so that he will be able to return to work much faster.And the employee, not only does he get the opportunity to take care of his own health at the highest level, he still does not pay for it.
