Insurance policy LCA - what is it?

There is no such person on Earth who would like to be sick. But, unfortunately, this happens, and to get medical help, a policy is needed. Insurance medicine in Russia is compulsory. But are all types of services provided for by the state-guaranteed health insurance program, and are there any additional opportunities?

Voluntary medical insurance (LCA)

In the treatment often there is a need for additional diagnostics, preventive and rehabilitation procedures, consultations that are not included in the mandatory program. For this, there is voluntary medical insurance (LCA). Insurance policy VHI just help to cover these costs.

The essence of LCA

A person chooses the most suitable program for him, which includes a number of specific medical services for a certain amount of insurance. The number of services provided, the list of diseases, the level of the offered medical establishments determines how much the VHI policy will cost. What does this give? In the event of an insured event, the client receives the necessary medical assistance within the scope of the insured amount. The term of the policy is indicated in the contract (usually 1 year). Adults and children's programs are formed separately and have some differences.

Flexibility of programs

The LCA policy for individuals is individual, as some services, hospitals, diagnostic centers, rehabilitation clinics, etc. are selected depending on the capabilities and wishes of each client.

Types of services

There are different types of services that provide for VHI policy. What could it be:

• Outpatient care;
• hospital treatment;
• Alternative dental services;
• Ambulance, etc.

Buy policy VHI. What will it give me? What to look for when choosing an insurer

• Availability of a license issued by the Federal Service for Supervision of Insurance Activities.
• The name of the company, its legal address, types of insurance activity indicated in the license.
• The existence of a contract with a medical institution, which also has a license for its type of activity.
• History of the company's work in the insurance market.
• Ratings.
• Executed payments, etc.
• Visit to the doctor at a predetermined time.
• Personal doctor-curator.
• The choice of medical institutions, where medical services will be provided.
• Settlement by an insurance company of problems with a medical institution.
• Select only the necessary services.
• Efficiency of actions in emergency cases.
• Possibility to pay for the policy in installments.
• Service.

Some explanations

Not all emerged health problems are considered an insured event. For example, dental services also provide for VHI policy. What is it
Then? If the insured person seeks a doctor with acute pain or exacerbation of an already existing problem, the insured event takes place and the insurer pays the bills. If a person simply wants to replace the seal with a better one, they will have to pay extra. Or so: I have not gone to the dentist for many years, most teeth require treatment, prosthetics, etc. In this case, the insurance will not cover all expenses.

The most important thing

All the opportunities for a voluntary medical program must be recognized when concluding a contract. Then you will clearly know if you have an LCA policy, what your policy includes, and what does not. So you avoid unnecessary charges to your address or the address of the insurance company.