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Medical Insurance – The Situation During The Economic Crisis.

Basically the insurance companies should enter larger quantity of programs with various limits, fill them with their options and to reflect on application of franchises which yet have not concerned corporate medical insurance. The emphasis will become on improvement of quality of health service if they want to keep clients. Now the increase in options of programs of insurance already reaches the point of irrationality. The services which in any way are not concerning insured events are offered.

The accent will be displaced towards efficiency and expediency of medical appointments and instructions. In programs there will be taken away brand options in the form of pools, sports halls, saunas, homoeopathic treatment, acupuncture and other. Programs will be aimed at real insured events: rendering of urgent medical aid, the sudden disease demanding hospitalization in a day or round-the-clock mode. And to cause private medical aid in connection with occurrence making callous on a finger and thus to complain of refusal of insurance indemnification of payment it will not turn out any more.

More accurate differentiation of the insurance will be even on advantage: those segments of the market (smaller and average business) which would like to get this policy earlier can reflect on voluntary medical insurance, but because of high cost did not see the sense in it.

Insurers assure: limitation of payments and introduction of franchises (their levels can reach 500-1000 dollars) in classical understanding for such products in the majority of the European countries is the habitual business. The main thing is to initially accurately explain to the client what the franchise is and a payment limit to the insured persons that in future did not receive reproaches for misinformation and dishonest work.

And a degree of service can suffer really seriously. In the light of all events it becomes more favorable to companies to co-operate with the state medical institutions. At the head of a problem there are still quotations on voluntary medical insurance. Procedure of increase of tariffs for services of departmental clinics difficult enough and as a rule, they are reconsidered by once a year. And private clinics can raise the prices more than once a year and the quality of service won’t differ.

And though even in state medical institutions already employ the professional, polite and affable personnel who much better concern to the clients, offer more flexible conditions, it will be difficult to client of the insurance company to overcome the stereotypes concerning the state hospitals.

Cost of medical services has increased for the last half a year on the average by twenty three percent. The majority of medicines rate rises in price also. As a result insurance companies have reconsidered policy cost and in September last year raised it for fifteen percent.

Now the part that is very crucial for your search of the insurance price quotes

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