Health insurance: Health insurance Which do you choose?

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Health insurance: Health insurance Which do you choose?

The average cost of health insurance depends on the content, each health insurance company asking for policy costs and provide funds of different claims. To learn how to choose the right health insurance and how you can save money there.

In this srtikel Julia Brykulska, medical practitioners from Ukraine would suggest insurance, which will include the program "clinic" and the program "medicine". Public hospitals will be enough, especially because they give "sick leave" to employees. Private clinics can not include a list of services. This significantly affects the cost of your health insurance. Program "drug" can reduce the price by the presence of the franchise, for example, 20%. Which will cover 80% of the insurance company.


Given the possibility of a different situation, Julia would advise all the same to enter into an insurance program "ambulance" and "hospital", indicating that it was closed in the case of acute illness. Indeed, in reality when every operation even trivial to stay in hospital and treatment. In the program "dentistry" can save if there are teething problems.

Whether alone including public clinics or private even add to their list - depending on your tastes and wallet sizes. Often, the same doctor who worked in the public and private clinics. In the public can get to wait in the queue may be shorter consultation times, improved physician offices, availability of disposable instruments. Personally - repair, polite, recording at a specified time, consultation fixed intervals.

We should note that the health insurance companies to share private clinics and for various price levels. That is, to save money, can be included in the insurance small private clinic near your home or place of work, but does not include a VIP level clinics ("Boris", "Medic", "Charm"). Given that helps the children's clinic in consultation with the insurance company is not mature enough for the baby I would recommend to insert a specialist clinic with children's health insurance.

You should carefully read the specific agreement of the health insurance company and part of the "exception". There are also internal protocols when referring to the company doctor helping a patient. In emergency care, including situations that arise sharply, suddenly could threaten human life in which people will not be able to get himself and needs counseling clinic by ambulance. For example, acute abdominal pain, vomiting, temperatures above 38. This means that their situation which could result in hospitalization.


All that can be treated at home, referring to outpatient. Call the doctor also applies to outpatient care. Therefore, if the patient's insurance programs provide "first aid" and complaints of flu are fever (39-40), which are not after taking antipyretic, vomiting, seizures, insurers will arrange and pay for emergencies. If the insurance is the program "hospital care", medical assistance, if necessary, arrange admission to hospital and the insurance will pay for all the drugs needed for treatment.

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