Medical Insurance

Types Of Medical Health Insurance And Their Beneficiaries

Over the past years, more and more companies which offer different plans of medical health insurance have appeared on the market in order to provide their services to their clients and support their needs besides the national healthcare systems. The competition has led to a diversification of the types of health insurance, a diversification of the services implemented by companies and, normally, of the costs.

In what concerns types of medical health insurance, there can be insurances addressed to individuals and families, but also insurances that are offered by employers to their employees. These ones, in particular, are obligatory especially in working environments where the employees are highly under the risk of suffering from injuries in cases of accidents. But, nowadays, more and more people have started realizing the importance of benefiting from a direct medical health insurance. Thus, they have started making on their own private insurances.

Medical insurances depend on the duration of their coverage and can be on a short term or of long standing. It also depends on the services that the insurance is covering. Any company that offers medical insurances would be interested in the state of health of the client, of which depend the costs that the insurance has to cover. The insurer has to know if the insured takes regular visits to a hospital or not, if he in under the prescription of some medicine and is being treated by a doctor for some major health problems. In these aspects, there can be insurances with basic coverage which insure the client in case of a potential illness or major accident with serious consequences on the client's health. This kind of insurance is a lower-cost one. On the other side, there is the comprehensive coverage. This form is addressed to clients who are known to already have a disease and who constantly benefit from a treatment by a physician. Normally, this insurance is with a higher cost because it has to cover much more medical services for the client.

The main system which protects the health of the majority of population is the social system of health insurances. Social health insurances are obligatory and are based on the principle of solidarity and subsidiary organization in what regards collecting and using funds, as well as on the free choice of the beneficiary in choosing the doctor and the hospital. The funds of social health insurances consist of contributions of the insured, the contributions of the people who hire employees, as well as in money allotted by the state. The insured persons have the right to medical services in a non-discriminating way and according to the law.