Medical insurance

Any disease carries many dangers. In the "best" case, a man lost a good mood, decreased appetite or appears weak. In the worst case ... do not talk about it. Great help in difficult periods of his life is quite likely to have health insurance. It ensures that you can get medical advice, make the necessary tests and get treatment. At the heart of the medical insurance system are the money needed to pay a specialized company. In the case of health problems, their solution will be paid by the insurer. All medical insurance in Russia is divided into two types: compulsory and voluntary. We examine each of them separately. Compulsory health insurance (MHI) for this insurance people do not pay a penny. For the working citizen insurance premiums paid by the employer on a monthly basis, for the unemployed - executive authority (in this case the insurance policy provides employment office where you need to register). Thanks to CMI can get free emergency medical care, consult a specialist in the clinic, receive treatment, therapy or rehabilitation (outpatient / inpatient) who had surgery, get inoculations, to cure your teeth and make a routine inspection. However, it should take into account that the free insurance is adequate quality and causes a collision with the following problems: queues at clinics and hospitals, extortion on the part of doctors, poor quality of service, payment of procedures "to be well done", etc. To avoid these problems better protect themselves by buying insurance from one of the reputed companies. Voluntary health insurance This type of protection will allow you to be examined and treated in specialized institutions with a high level of quality of service and qualifications of physicians. In the insurance company you must choose from what you are going to insure the health or life and for what amount. Depending on these factors, you will be provided medical services or pay a refund. However, the voluntary health insurance can not be a panacea for all ills. There are some restrictions when any company fails to pay the money, it's the following cases: intentional infliction of harm, suicide, cases of alcohol or drugs, psychiatric illness, natural disasters, and the soldiers, AIDS, heart disease and blood vessels, tuberculosis and pregnancy. One variety of this type of guarantee is the medical insurance when going abroad. In some cases it is compulsory, as most countries with a visa may be denied entry at the border because of lack of insurance. Medical insurance entitles the traveler to obtain emergency medical assistance should the need arise. In the insurance case should contact the insurance company where you will be advised of your nearest hospital. There you will submit your insurance policy and will be admitted to the experts. Paying a few hundred rubles for the policy in Russia, you will save significant resources for treatment in another country in the world. Now you know the types of health insurance, benefits and limitations of its use. No matter how evolved life, the conclusion is obvious: it is most advantageous not to hurt. To do this, take care of their health: exercise, avoid stress and eat right.