Asuransi Kesehatan Terbaik Dan Murah Strakhovaniye zdorov'ya - eto strakhovaniye, kotoroye pokryvayet vsyu ili chast' riska togo, chto litso neset meditsinskiye raskhody, rasprostranyaya risk na bol'shoye kolichestvo lyudey. Otsenivaya obshchiy risk raskhodov na zdravookhraneniye i sistemu zdravookhraneniya po sravneniyu s pulom riskov, strakhovshchik mozhet razrabotat' rutinnuyu finansovuyu strukturu, takuyu kak yezhemesyachnyy strakhovoy vznos ili nalog na zarabotnuyu platu, chtoby predostavit' den'gi dlya oplaty meditsinskikh posobiy, ukazannykh v strakhovanii soglasheniye. Posobiye osushchestvlyayetsya tsentral'noy organizatsiyey, takoy kak pravitel'stvennoye uchrezhdeniye, chastnyy biznes ili nekommercheskaya organizatsiya. Po dannym Assotsiatsii meditsinskogo strakhovaniya Ameriki, meditsinskoye strakhovaniye opredelyayetsya kak «pokrytiye, kotoroye predusmatrivayet vyplaty posobiy v rezul'tate bolezni ili travmy, vklyuchaya strakhovaniye ot neschastnykh sluchayev, meditsinskikh raskhodov, invalidnosti ili sluchaynoy smerti i raschleneniya» (str. 225). Polis meditsinskogo strakhovaniya - eto dogovor mezhdu strakhovym agentom (naprimer, strakhovoy kompaniyey ili pravitel'stvom) i fizicheskim litsom ili yego sponsorom (naprimer, rabotodatelem ili organizatsiyey soobshchestva). Kontrakt mozhet byt' vozobnovlyayemym (naprimer, yezhegodno, yezhemesyachno) ili pozhiznenno v sluchaye chastnogo strakhovaniya, ili byt' obyazatel'nym dlya vsekh grazhdan v sluchaye natsional'nykh planov.
Sooplata dolzhna vyplachivat'sya kazhdyy raz pri poluchenii konkretnoy uslugi. Sostrakhovaniye: vmesto ili v dopolneniye k vyplate fiksirovannoy summy avansom (sooplata), sovmestnoye strakhovaniye predstavlyayet soboy protsent ot obshchey stoimosti, kotoruyu zastrakhovannoye litso takzhe mozhet zaplatit'. Naprimer, chlenu, vozmozhno, pridetsya zaplatit' 20% stoimosti operatsii sverkh sooplaty, a strakhovaya kompaniya oplachivayet ostal'nyye 80%. Yesli sushchestvuyet verkhniy predel dlya sostrakhovaniya, derzhatel' politiki mozhet okazat'sya ochen' malo ili ochen' sil'no, v zavisimosti ot fakticheskikh zatrat na predostavlyayemyye imi uslugi. Isklyucheniya: ne vse sluzhby okhvacheny. Kak pravilo, zastrakhovannyy oplachivayet polnuyu stoimost' nezakrytykh uslug iz svoikh sobstvennykh karmanov. Limity pokrytiya: nekotoryye polisy meditsinskogo strakhovaniya oplachivayut tol'ko meditsinskuyu pomoshch' do opredelennoy summy v dollarakh. Zastrakhovannoye litso mozhet zaplatit' lyubyye raskhody, prevyshayushchiye maksimal'nyy platezh plana meditsinskogo strakhovaniya za konkretnuyu uslugu. Krome togo, nekotoryye skhemy strakhovykh kompaniy imeyut godovyye ili pozhiznennyye maksimumy pokrytiya. V etikh sluchayakh plan meditsinskogo obsluzhivaniya prekratit vyplatu, kogda oni dostignut maksimuma pribyli, i derzhatel' politiki dolzhen oplatit' vse ostavshiyesya raskhody. Asuransi Kesehatan Terbaik Dan Murah