LCA for children and its advantage

In accordance with Russian law, health insurance services can be of two types - mandatory and voluntary. Compulsory health insurance is based on the amount of taxes paid by each citizen. It is impossible to refuse it. Voluntary insurance is carried out exclusively at the request of a person, covering a wider range of services. Especially important is the insurance of VMI for children. After all, every parent must protect his child from any possible trouble, including health.

In this article, we will examine the advantages of having VHI (child health insurance - guaranteeing their quality medical care) and how to apply for such a policy.

Benefits

Arguing about the benefits of voluntary medical insurance, you can list a lot of points:

1. Programs VHI for children allow you to apply an individual approach to any child. Your baby will be treated exactly as required by the characteristics of his health. Equalization will not be here.
2. In the framework of the policy, you can get medical services for an amount that is several times higher than the cost of the insurance itself.
3. Parents are given the opportunity to choose a doctor or a medical institution that will examine and treat their child. With compulsory insurance, you have the right to visit only the polyclinic with which the UK has a contract.
4. Work around the clock dispatch service can significantly save the time of parents. For example, you can easily sign up for a consultation with a specialist or call him at home at a time convenient for you. In some cases, you will receive the necessary consultation even by phone.
5. One can be sure that an ambulance will come to the child on the first call. In the ambulance carriage there is always a defibrillator and any other necessary equipment.
6. In an emergency, parents will be spared from finding the right specialist. All efforts for the organization of treatment will be undertaken by representatives of the UK. And if in the medical institution suddenly there is no any equipment, it will be brought from another center or your child will be taken there. Transportation troubles will also be incurred by the insurance company.
7. The VMI policy for the child guarantees you protection of interests in any disputable issues arising in the course of treatment.
8. You will not be affected by the increase in the cost of medical services during the validity period of the insurance contract. All risks are assumed by the UK.
9. The insurance contract can be made in such a way that it includes the risks that you need.

Polis for babies

Voluntary medical insurance can be issued right from the moment the baby is born. True, there is a small nuance. Such agreements are concluded by the UK for not more than a year. At the end of this time, you will need to renew an existing contract or purchase a new policy. The essence of this restriction is that during the first year, the crumb shows up most of the possible hidden diseases. Risks can increase, so the subsequent cost of the service may change. There are two types of VMI for a child up to one year:

• Economy. It involves a standard set of services: visits by a pediatrician, home nursing and the provision of services in a selected polyclinic.
• "Elite". Here the list can be expanded as much as possible. Your child will be supervised not only by the pediatrician, but by any other specialists of your choice. The kid will be fully diagnosed, including laboratory studies.

Insurance for foreign children

Registration of VHI policy for children of foreign citizens practically does not differ from usual. The only nuance may be that some CKs introduce an additional raising factor for such insurances. Therefore, the value of the contract may be slightly higher. Voluntary insurance for foreign children contains the same list of services as the child's policy of a Russian citizen. A doctor can be called at the place of stay of the baby at the moment.

Preparing documents

To formalize the contract VHI for children, no special inquiries will not have to be collected. The process of registration includes only four points:

• Submitting an application;
• Filling in the questionnaire;
• Payment of the policy;
• Signing of the contract.

A questionnaire is a list of questions about you and your child. You will be asked to indicate the gender of the baby, the birth certificate, the place (address) of permanent residence. About yourself, you also need to provide some information: passport data, position and place of work, address of residence and registration, contact numbers.

In addition, you will be offered a list of questions about the health of the baby, the availability of vaccinations. It will be necessary to talk about how the pregnancy was going on, whether there were complications (when registering a policy for children under 3 years old). Sometimes you are also asked about whether you have insurance experience and what, where have been insured up to this point.

Answer the questions honestly. If it turns out that the child has a chronic illness that the parents knew about but did not indicate at the time of the insurance contract, the UK has the right through the court to demand the return of monetary compensation and the recognition of the policy as invalid. So in some cases, the manager of the UK may ask you to provide a medical card for the child.

The cost of voluntary insurance

The price of insurance VHI for children can be very diverse. It all depends on a number of points:

• How old is the child;
• What is the state of his health at the time of applying for a policy?
• Is the insurance period large?
• What is the list of risks included in the program chosen by the parents?
• Whether additional services are provided;
• What is the amount of the insurance amount provided for by the policy;
• Are other family members insured in this UK?
• Other points.

The average cost of voluntary child insurance can be at the level of 30-40 thousand rubles. If the policy provides for treatment at home, the value of the contract is automatically increased by 35-40%. Another 50-60% of the cost will add to the presence of chronic diseases in your child.

What is included in the LCA

Children's insurance can contain a different list of services. It all depends on the choice and solvency of parents. VHI for children is more often divided into four groups:

• From birth to a year;
• From one year to three;
• From three to seven years;
• From seven and older.

Each of these programs can be both economy-class and extra-class. The average contract of LCA usually includes:

• Examination by a pediatrician, detection of diseases, treatment;
• Annual scheduled inspection by specialized specialists;
• Consultation of a psychologist, defectologist, speech therapist, audiologist;
• Scheduling of vaccinations and vaccination;
• Exit brigade ambulance;
• Carrying out at home the necessary manipulations, except those that are carried out only in the conditions of the hospital;
• First aid at home;
• Analyzes, exercise therapy, massage, other procedures;
• Laboratory research (diagnostics);
• Hospitalization if necessary;
• Carrying out of diagnostic, medical, resuscitation actions in the conditions of a hospital;
• The use of anesthesia, surgery;
• Consultation and dental services;
• Other services for the choice of the parent.

Term of insurance

Most often, the child's insurance contract is concluded for one year. But this is absolutely not necessary. By agreement with the insurance company, you can apply for a few months or several years. Everything will depend on what amount you are willing to spend for these purposes.

How to apply for VHI insurance

To date, you can arrange an insurance document in two ways:

• Visit the UK office, personally communicate with the manager and choose the most suitable variant of insurance;
• Use the website of the insurance organization.

Most often, a more or less large insurance organization has its own services portal, where in a few minutes you can pick the right product, pay for it, and after a while the courier will bring you a registered policy straight home.