Health insurance, as a way to protect the state of patients' rights to adequate care and protection of their health, has its roots back centuries. It has long been unfair to healers and healing used by fraudsters to severe penalties. Physicians who do not have the requisite skills and knowledge, not only deprived of their right to practice medicine, but fell in the harsh millstone law.Health Insurance: Pros and Cons
Mandatory health insurance has a number of positive points for citizens, such as:
- Access to health care, not only in the place of permanent residence;
- Working citizens are deeply committed to a policy of compulsory health insurance with the signing of the employment contract with them. And it's not just words, but a legal norm, guaranteed by the Government, which had been implemented, governments, community organizations, local government, worker councils enterprises.
The disadvantage of mandatory health insurance is that it covers not all types of therapeutic and preventive medical services as may be required by a citizen.
Voluntary health insurance also has its advantages. One of the most enjoyable of them - this is freedom of choice. The policyholder is self-insurance program and select medical institutions of the proposals. The insurer advises him on all issues, but the last word in the selection is the same for all insured.
An important nuance can be considered and time savings afforded by medical insurance. There is no need to look for a decent health facility or pushing in line at the door doctor's office. Open door policy holders the highest rated health clinics included in a specific insurance program.
Voluntary health insurance and involves substantial monetary savings: the policy holder is appointed by unnecessary treatment and will not pull out of him more money. Policyholder has paid the insurance policy for the duration of its action, immune from increasing tariffs for medical services.
Another positive point is the quality of service, with voluntary health insurance, which is continuously supervised by the company's experts, the insurer. If contentious issues do arise - the insurance company is always on guard of your interests.
Basic program OMC
Under the basic program of compulsory health insurance providing primary health care, including preventive care, emergency medical care (except for specialized (sanitary-aviation) ambulance), specialized medical assistance in the following cases:
infectious and parasitic diseases, with the exception of diseases, sexually transmitted diseases, tuberculosis, HIV infection and acquired immunodeficiency syndrome;
neoplasms;
endocrine system;
nutritional and metabolic diseases;
diseases of the nervous system;
diseases of the blood and blood-forming organs;
certain disorders involving the immune mechanism;
Diseases of the eye and adnexa;
diseases of the ear and mastoid process;
diseases of the circulatory system;
respiratory diseases;
diseases of the digestive system;
diseases of the genitourinary system;
diseases of the skin and subcutaneous tissue;
diseases of the musculoskeletal system and connective tissue;
Injury, poisoning and certain other consequences of external causes;
congenital anomalies (birth defects);
deformations and chromosomal abnormalities;
Pregnancy, childbirth, postpartum and abortion;
Certain conditions originating in children in the perinatal period.
The subjects were also guaranteed an additional volume of free medical care. For example, the program provides OMC out-patient and in-patient care in health care in infectious and parasitic diseases (except for diseases, sexually transmitted diseases, tuberculosis and acquired immunodeficiency syndrome), and neoplasms, diseases of the endocrine, nutritional and metabolic substances, diseases of the nervous system, diseases of the blood-forming organs and certain disorders involving the immune mechanism, eye and adnexa, diseases of the ear and mastoid process, diseases of the circulatory system, respiratory diseases, diseases of the digestive system, diseases of the genitourinary system, skin diseases and subcutaneous tissue, diseases of the musculoskeletal system and connective tissue diseases of the teeth and mouth, during pregnancy, childbirth and the postpartum period, including abortion, injuries, poisoning and certain other consequences of external causes, congenital anomalies (malformations) deformations and chromosomal abnormalities in adults. As part of the OMC are also measures to prevent disease, including clinical examination of healthy children.
In addition, residents are provided from the budget of the following types of care:
emergency medical care provided stations (sections, paragraphs) emergency medical assistance;
outpatient and inpatient care provided in specialized clinics, hospitals (departments, offices) for the following diseases: diseases, sexually transmitted infectious skin diseases (scabies, Microsporum), tuberculosis, diseases caused by a particularly dangerous infections, acquired immunodeficiency syndrome; mental and behavioral disorders, substance abuse and addiction;
provision of expensive types of medical care, a list of which is approved by the Committee on Health;
subsidized supply of drugs and prostheses (dental, eye, ushnoe);
vaccination decreed troops and population epidemiological indications;
preventive x-ray screenings for early detection of tuberculosis;
medical care for congenital anomalies (malformations), deformations and chromosomal abnormalities in children and Certain conditions originating in the perinatal period, according to the list approved by the Committee on Health;
dental care and oncology care, according to the list approved by the Committee on Public Health.
