Types Of Medical Insurance

The purpose of insurance is always a desire to ensure own or relatives’ financial safety in case of illness or accident.

Medical insurance has forms of collective and individual or personal insurance.

As insurers both may act legal and natural persons. Anyway, it can be the single or package contract.

People from 18 to 65 years can be the insured person on standard conditions. In a case of age less than 18 or more than 65 years old, insurance is made on special conditions.

Groups of people who can’t receive service of life and health insurance:

- disabled person of 1 group;

- persons  under observation by psych neurological dispensaries or drug abuse clinics;

- patients oncologic patients;

- persons with HIV diagnosis;

- persons having heart failure, cirrhosis, renal failure and hepatitis C;

- persons having  recorded  acute disorders of  blood circulation in brain, myocardial infarction or acute encephalitis;

- persons being on treatment at stationary clinic who have a wish conclude insurance contract.

In case of late availability identification of any of the listed above diseases at the time of the contract conclusion it becomes invalid, and payments by policy are not made.

Payments by policy for accident are made after the identification of tissues or human organs damage facts at which their integrity and functionality was broken. Deformation with disorders of a loco motor system after affecting by exterior force: wounds, anaphylactic shock, asphyxia at penetrating into respiratory tracts of foreign things or liquid, lesion from lightning stroke or current.

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