Despite active development of the domestic insurance market, and medical insurance in particular, not all the insurance companies can offer today programs on medical insurance of children. All speaks, first of all, that children more than adults are subject to a number of illnesses.
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Nevertheless, a number of the insurance companies, mainly with the big capital, nevertheless render similar insurance service. Certainly, parents in the right independently to choose filling of the insurance program, but experts all the same recommend presence in the children's insurance of such services:
- Polyclinic service, including vaccination, preventive and improving procedures;
- The stationary and urgent emergency help;
- A call of the doctor on the house;
- Round-the-clock consultations of experts in phone;
- Maintenance with necessary medicines.
The basic advantage of medical insurance of the child is the binding to the certain attending physician. Such approach allows to carry out qualitatively and in due time diagnostics and more effectively to spend treatment. However before insurance policy acquisition not the superfluous will learn about possibility during the insurance period to change the doctor treating your kid. After all can so will develop that the doctor attached to your child, will not cause in you trust or simply it will not be pleasant. Therefore it is better to stipulate possibility of "replacement" of the attending physician in the insurance policy. It is necessary to notice that in the large insurance companies, as a rule, such possibility is given to clients.
Also it is not necessary to forget about possible exceptions and the restrictions established by the insurance companies. Their set, basically, is standard for voluntary medical insurance, however there are features. So, are not insured event:
- Oncological diseases;
- Hereditary genetic diseases;
- Diseases of mental character;
- Consultations of the logopedist, the psychologist, the dietician.
Perhaps, a unique essential lack of medical insurance of the child is its high enough cost. Depending on filling by services of the insurance program, policy cost can vary within 400-600 dollars. But a major factor defining cost of the insurance, the size of the insurance sum - the sums of an insurance covering is. Differently, if you choose the insurance sum at a rate of 2000 dollars, it is necessary to pay about 500 dollars that makes 25 % (the average annual tariff for children's insurance).
In summary it is necessary to notice that hardly any insurance is capable to relieve parents of anxiety on health of the kid. However by means of medical insurance of the child it is quite possible not to worry about financial expenses and quality of health services.
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