HEALTH INSURANCE

Health insurance is a type of insurance for the insured case injury, accident, illness, disease or health care are now paying insurance as agreed in the contract

Typical characteristics of health insurance compared with other insurance:

Contract duration: 1 year
Subjects covered: Humans (As of life, body, health.)
The health insurance industry representative: personal accident insurance, health insurance, health care insurance

ACCIDENT INSURANCE PEOPLE

Personal accident insurance is insurance operation in which an insurer undertakes to make payment to the insured person (the beneficiary) the amount of the contract as agreed when the accident occurred unexpectedly person insurance death or bodily injury.

Accident coverage of the event is happening (in Vietnam) due to sudden, unintended by the insured, from outside impact on the body and the insured directly caused insured for death or bodily injury; or the insured to act to save lives and property of the state and the people, and participate in the action against crime

Coverage of the insurance products of this type is the fatal accident or bodily injury of the insured

The product of personal accident insurance common in Vietnam today:

Personal accident insurance 24/24

Passenger Accident Insurance

Coverage students

HEALTH INSURANCE

Health insurance is insurance operations to ensure payment of part or all of the cost of health care for the insured when they are sick, sick, sick, maternity ... this insurance contract can expand insurance paid when the insured die and pay the medical expenses in the event of the insured accident treatment. This insurance can be deployed insurers combined with accident insurance within the same insurance contract

This insurance shall only be paid when the insured is indicated for the treatment (inpatient and outpatient or). An insurer will not pay if only incurred medical expenses that are not treated. In many countries around the world as well as in Vietnam today, besides health insurance system by implementing social security, health insurance can be done by commercial insurers normally ( Business variety of different insurance operations) or commercial insurers professional (just business health insurance)

The health insurance business is primarily done business:

Insurance subsidized hospitalization and surgery

Support hospitalization insurance

Insurance support surgery

Insurance support medical expenses

Insurance dangerous diseases

HEALTH INSURANCE

Health insurance program is a combination of insurers and institutions, relevant units (medical facilities, banks, institutions, way enterprises ...) the purpose of paying the cost medical examination. In many countries, this policy was implemented to supplement health insurance

The scope of insurance coverage is relatively flexible, including:

Payment of medical expenses, laboratory, ultrasound, x films (x-rays and CT scans ..) to diagnose, ... regular and irregular; counseling services, emergency assistance, ... in the country and internationally. This is the minimum range of insurance

Payment of the cost of emergency treatment, surgery, hospitalization, medicines, medical devices support ... in case of illness; treatment of maternity care. The current insurance contracts that combine to ensure this.In addition, many insurers also offer guarantees flexibility: Outpatient treatment due to illness or disease;medical expenses due to accident; death, disability, illness or disease; death / permanent disability due to accident; emergency medical transportation, maternity and dental care; a loss of income subsidy

When the insured, the insured is free to selected health facilities for medical treatment. The insured does not have to pay for health care facilities in the system of direct payments that insurers will be paid on the basis of confirmation of the insured (or via credit card insurer issued to the insured. If the insured medical facility at their request (outside the system of health care facilities of the insurance), an insurer will refund pay the costs invoiced cost medical care at health facilities covered by the option

Typically, the insurer associated with the prestigious clinics and high quality, fast and simple procedure . so the assured confidence and satisfaction with the quality of service. Therefore, the premium for this insurance is often high and the risk assessment is quite complex. Therefore, insurance companies often sign contracts with business groups, organizations, units and families (to ensure a minimum number of members).