General information about “Health insurance”
Healthcare insurance
is known as a type of insurance for the cases such as injury, accident,
illness, disease or health care that paid by insurance companies as
agreed in the contract.
Typical characteristics of health insurance compared with other insurance:
– Contract duration: 1 year
– Objects of insurance: People (life, body, health …)
– The typical personal health insurance services: health insurance, health care insurance
Personal accident insurance
Personal accident insurance is insurance operations which insurers
commit to pay for the insured (beneficiary) the amount of the contract
as agreed when the accident occurred suddenly make people get death or
harm their body.
Accident insurance events covered occur (in Vietnam) by surprise,
beyond the control of the insured, from outside impact on the insured’s
body and causes directly insured for death or bodily injury; or the
insured may act rescuing people and property of the state, the people
and engaged against the illegal actions
The coverage of the insurance products of this type is the fatal accident or bodily injury of the insured
The common products of personal accident insurance in Vietnam today:
– Personal accident insurance 24/24
– Passenger Accident Insurance
– Coverage students
Health Insurance
Health insurance is the insurance business in order to ensure payment
of a part or the entire cost of health care for the insured when they
got sick or ill, sickness, maternity … The insurance contract may also
extend insurance payments when the insured person dies and it also
provides the payment of medical expenses in the event of the insured
accident treatment. This insurance may be insurance enterprises
deploying combined with accident insurance within the same insurance
contract
This insurance is only paid when the insured is indicated for the
treatment (inpatient and outpatient or). Insurers will not pay if only
incurred medical expenses happen but that are not treated payment. In
many countries in the world as well as in Vietnam today, besides health
insurance regime by implementing social security, health insurance
usually can be made by the commercial insurers (business variety of
different insurance operations) or commercial insurers professional
(only the health insurance business)
The health insurance services are primarily conducted business:
– Coverage for hospitalization and surgery
– Insurance supports hospital payment
– Surgical support Insurance
– Medical expenses support Insurance
– Insurance of dangerous diseases
Healthcare insurance
Healthcare insurance
is a combined program between insurers and institutions, units involved
(medical facilities, banks, organizations, businesses, etc.) with the
purpose of paying the medical examination cost. In many countries, this
coverage is carried out as a supplement health insurance.
The coverage of this insurance is relatively flexible, including:
Pay for medical, laboratory, ultrasound, mammograms (x-rays and CT
scans) to diagnose …, recurring and unusual; counseling services,
emergency assistance …, in domestic and international. This is the
minimum scope of coverage
Pay for the cost of emergency treatment, surgery, hospitalization,
medicines, medical equipment support … for the sick; treatment of
maternity care. The current insurance contracts combine to ensure this.
Also, many insurers are offering such guarantees flexibility: Outpatient
treatment due to illness, disease; medical expenses due to accidents;
death, disability, illness or disease; death / permanent disability due
to accident; emergency medical transportation, maternity and dental
care; reduce income loss allowance
When participating in this insurance, the insured is free to choose
the health facility for treatment. The insured does not have to pay for
health care facilities in the system of direct payments which will be
paid by insurance enterprises on the basis of confirmation of the
insured (or via credit card insurer issued to the insured. In case of
the request of the insured about medical facility (besides the system of
health care facilities of the insurer), an insurer would refund pay
costs invoiced medical costs of the medical facilities insured by
selection.
Typically,
healthcare insurance
companies associate with high-quality reputation, fast and simple
procedure medical facilities…. to make the insured trust and satisfy
with quality of service. Therefore, the premium for this insurance is
often high and the risk assessment is quite complex. So, insurance
companies often sign contracts with business groups, institutions,
units, family (to ensure that a minimum number of members).Depending on
the needs and financial capabilities, customers can choose one of the
packages of products such as: basic, expanded, advanced; or ordinary,
special grade … corresponding to different interests.
