Freiwillige Krankenversicherung: Lohnt es sich, sie abzuschließen, und warum vernachlässigen die Ukrainer immer noch die Versicherung?

Es ist sehr wichtig, rechtzeitig auf Ihre Gesundheit zu achten. Die freiwillige Krankenversicherung hilft Ihnen dabei, sodass Sie sich im Falle einer Verletzung oder Krankheit keine Sorgen um Geld und die Organisation der Behandlung machen müssen. Erfahren Sie mehr über die wichtigsten Vorteile der VHI und warum die Ukrainer die Versicherung vernachlässigen.

Die freiwillige Krankenversicherung garantiert die Bereitstellung hochwertiger medizinischer Versorgung innerhalb der Ukraine

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Taking care of your health and the health of your family is the most important duty of every person. Currently, most Ukrainians are simply afraid of getting sick, as the prices of doctor's consultations, tests, examinations, and medicines are growing at an incredible rate. Therefore, it is very important to take care of having a health insurance policy in advance so that you don't have to think about money and organizing treatment. 

Health insurance has long been popular abroad. In most European countries, the United States, Canada, and other developed countries, people pay for medical services through insurance payments. However, a large number of Ukrainians still neglect the opportunity to take out voluntary health insurance and save their own money in case of unforeseen circumstances. Why is this so, and what are the benefits of VHI? Let's find out in today's article.

What is voluntary health insurance?

Voluntary health insurance is an insurance service that provides coverage for medical expenses in case of illness, injury or other needs. A VHI policy can cover a wide range of services: outpatient and inpatient treatment, diagnostics, medical consultations, surgery, rehabilitation, and much more. 

Public healthcare often faces problems of financing and quality of services. With voluntary health insurance, you can get high-quality and timely medical care. 

With a VHI policy, you can be sure that you will be able to receive the necessary medical services on time and at a decent level. You will not have to search for specialists and funds for treatment when you are ill.

Typically, voluntary health insurance includes the following set of services:

1. Calling an ambulance;

2. Examination by a doctor in a medical institution or a house call;

3. Payment for medical tests;

4. Conducting basic examinations;

5. Inpatient treatment in case of an emergency;

6. Payment and delivery of medicines prescribed by a doctor. 

This list is indicative, it all depends on your individual program for the health insurance contract. Under the contract, you can receive only those medical services and only to the extent specified in the insurance policy.

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Why do Ukrainians neglect voluntary health insurance?

To take out an insurance policy or to take a risk and save money? Citizens of the United States, Canada, and EU countries regularly buy insurance and pay for services they may not need. However, in the event of an emergency, they save hundreds or even thousands of dollars on medical expenses. A voluntary health insurance policy is a guarantee that you will receive medical care in a timely manner and to the extent necessary.

Unfortunately, only a small number of Ukrainians use the services of insurance companies. The following reasons can be noted:

1. Lack of awareness. Many people simply do not know about the benefits of health insurance or do not understand how it works;

2. Lack of a mandatory requirement. Unlike many developed countries, health insurance is not mandatory in Ukraine. This allows many people to neglect it, relying on public healthcare or their own financial capabilities.

However, the cost of insurance is much lower than the cost of medical services. In the event of an insured event, you do not have to urgently look for funds and specialists who are ready to take up treatment, all the nuances are stipulated in the contract. 

The main advantages of voluntary health insurance

The main advantage of VHI is that it is enough to pay only a small amount for insurance, and during an illness, the insurance company will pay all the costs of medical services. You don't have to look for specialized specialists, choose a clinic, etc. Just call the insurance company and it will provide clear recommendations on how to act in a particular situation.

Tired of waiting in line at your family doctor's office? Not satisfied with the level of service at your local clinic? Is the next doctor's appointment only a few weeks away? A voluntary health insurance policy will solve all these problems for you! 

Let's look at the main reasons why you should take out voluntary health insurance:

1. Access to quality medical care in any conveniently located clinic;

2. Round-the-clock access to medical care without being tied to the work schedule of the clinic at the place of residence;

3. Minimization of time spent on queues to doctors;

4. Issuance of sick leaves for patients registered in another region;

5. Reduction of disability, since people with insurance usually visit a doctor at the initial stages of the disease, without trying to “go through” it on their feet.

Where to buy a voluntary health insurance policy in Ukraine?

The good news is that from now on you can take out a reliable voluntary health insurance policy on the Visit Ukraine portal. Follow the link, fill in the necessary information, and in just 3 minutes, reliable health insurance with guaranteed payments will be sent to your mail.

We remind you! The government has determined the list of medical services that will have to be paid for in full and partially. The decision will come into force on January 1, 2025. Read more about the Ministry of Health's explanation of the form of payment for medical services.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Protect yourself from unforeseen costs for treatment even within the borders of Ukraine. Order a voluntary health insurance policy for Ukrainians in Ukraine and receive quality medical care under any circumstances.

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