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Free medicine does not exist in Ukraine. Of course, there is a small list of services that can be obtained in municipal polyclinics for free, but it will be very short: a consultation with a therapist, fluorography, simple tests, etc.
However, when a person faces a real problem, free help disappears. Surgery - for money, ultrasound - for money, dental care - there, and even for an extract from your own medical history you will have to pay. That is, you will be billed for almost everything.
In Ukraine, there is no de facto free medicine, we have to take care of ourselves. Of course, progress cannot be stopped, and sooner or later health insurance will become mandatory. But until then, you have to live, and preferably, healthy. And this can be achieved with the least financial risks only by purchasing an insurance policy.
The virtual absence of free medicine in Ukraine, as well as mandatory health insurance, forces our citizens to turn to private insurance companies to insure their health, satisfying their needs as much as possible. It should be noted that the market is quite densely occupied by large insurance companies: according to statistics, the market share of the Top 10 health insurance companies is 63%.
In terms of the method of population coverage, insurers today offer two main health insurance programs: individual and collective.
In the case of individual health insurance, the policy provides insurance protection for one person. Collective, as you might guess, for a group of people. Typically, collective or corporate insurance contracts are concluded by employers, taking care of the health of their employees.
The cost of the package depends on the list of services. The following insurance programs are most common.
The package includes 24-hour emergency medical care, primary examination, provision of first emergency care (including provision of medicines), express laboratory diagnostics, emergency hospitalization.
It is intended to provide medical care to a child from the moment of birth until he reaches the age of 16. Children's insurance includes a list of all necessary consultations and examinations by pediatricians, tests and examinations, inpatient treatment and emergency care, payment for medications, vaccinations, etc.
Include services primarily from a therapist, consultations with specialists in the profile of the disease currently bothering you, laboratory tests, a doctor's visit to your home, issuing and processing a sick leave, medical procedures, and medical manipulations.
Includes observation by an obstetrician-gynecologist, prenatal examination, tests, and emergency hospitalization if necessary. The policy begins its operation from the moment of purchase. Usually it starts from the 1st, 2nd, and 3rd trimesters of pregnancy, from the 36th week of pregnancy - for childbirth.
Where does the choice of an insurance program begin?
First of all, you should choose a reliable insurance company. When choosing, the country of origin is important (Ukrainian, Russian or with Western capital), you need to find out what the company's reputation is, whether it is possible to assign a trusted doctor to you, whether there is regional coverage (cooperation with regional medical institutions in case of moving around the country), etc.
Since health insurance is a low-profit, and therefore unprofitable type of insurance for companies, unfortunately, companies often look for tricks to stop serving insured persons, or in every way refuse to provide insurance coverage when they record high losses under the policy. Even quite large clients of insurance companies have faced such a situation. Therefore, the choice of an insurance company is primarily based on the factor of reliability and a high level of reputation of the insurer.
In addition, when choosing an insurance policy, you need to base your search on insurance risks, that is, events that will require insurance.
Usually, on paper, medical insurance programs are quite flexible and are developed individually, based on the needs and requests of the client.
Depending on the program you choose (emergency, children's, outpatient, etc.), medical care can be provided in state, departmental, or private clinics.
Minimum package Voluntary health insurance (VHI) includes:
The cost of VHI policies currently in Ukraine varies in the range from 7 to 15 thousand UAH per year. It should be taken into account that the majority of insurers in their calculations tie the final price of VHI policies to the currency (mainly to the dollar, less often to the euro), and this may increase the cost of insurance in the future.
The basic price of insurance services is determined based on the content of the insurance package by types of medical care and the choice of medical institutions. This is greatly influenced by the class of medical clinics, as well as whether the price includes the price of medicines, dental services (even in limited quantities), additional options - vaccination.
The cheapest will be a policy that will be serviced by state and departmental clinics. Additional options increase the cost of the medical insurance package. With corporate insurance, the price of the policy depends on the number of insured employees: the more there are, the lower the price will be. In addition, the region of validity of the insurance policy should be taken into account - Kyiv medical insurance will cost the client more than, for example, Chernihiv.
The cheapest package is service mainly based on state and departmental clinics, without additional options involved in it and with the presence of a franchise (limit) for medicines. Thus, the cost of the policy can be reduced by:
If you get sick, or, in the language of insurance companies, "in the event of an insured event", you need to call the manager of your insurance company's contact center. In doing so, you provide him with the contract number, your name and surname, and briefly describe the essence of the problem.
In this case, the insured person is served in the medical institution free of charge. The cost of all medical care previously prescribed in the insurance policy is paid directly by the insurer. Theoretically, a client can apply to any medical institution in Ukraine at will, and then file an application for compensation from the insurance company for the money spent. However, as insurers admit in private conversations, insurance reimbursement for independently purchased services is a rather rare phenomenon, which is not encouraged and not supported by insurers. Simply put, insurance is unlikely to cover them.
Usually, the contract pre-prescribes a list of exclusions from insurance cases, under which the insurer has the right not to provide payment for such medical services. Most often, this is everything that is associated with excessive alcohol consumption, drugs, suicide attempts, self-medication, poisoning with medications. This also includes heart disease, oncology, tuberculosis, diabetes, plastic surgery, cosmetology. In all of the above cases, unless specifically stated in the policy, no payment is made.
In addition, insurance companies do not cover the treatment of HIV, AIDS, and chronic diseases if there is no period of exacerbation. However, chronic diseases during their exacerbation (for example, acute bronchitis, if you are diagnosed with chronic bronchitis) are an insured event. In this case, the treatment is covered by the insurance company regardless of how long the person has had this illness. Insurers are not responsible for the period of remission, when the person has no obvious signs of the disease and the doctor recommends only observation and taking prophylactic medications.
Take care of your health in advance, study the reputation of insurance companies, purchase an insurance policy, and then in case of illness, experienced doctors will take care of you.
Source: Observer
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