According to experts in the form in which there is a voluntary health insurance now, it has no future. Buy this policy can not be afforded by many, but even if this insurance paid by the employer, people are still looking for a good doctor to cronyism and pay extra to him.
It turns out that the system of voluntary health insurance has been around 24 years old, but so far it as such, and it does not work. First of all, it was designed not to ensure that the employer buys it to an employee, and we are ordinary people could afford it. But after so many years, we still can not afford it. Very expensive.
In Russia, this market represented insurance companies and medical institutions working both on a commercial basis, and some of them are low cost hospitals, and insurance companies with state support. Here is buried and "dog". Medical institutions that operate on a purely commercial basis, they have to make, and to ensure that they have earned, the concept of an insurance case becomes alien to them. They need to artificially increase the range of services to make money. And they twisted one sole purpose to make money, make money and earn more time.
Perhaps it makes sense to limit the number of health facilities providing services to LCA. After all, what is LCA - an extended range of medical services, qualitatively different, higher level, which should provide a good clinic. And this for such a long time we have not reached. We have a voluntary health insurance allowed 90% of the available health facilities. Were then established commercial hospitals are addicted equipment, interior and completely forgotten about the need to prepare qualified specialists.
In addition, we have virtually no demarcated these systems ie CHI and VHI. We still don `t know what put us in the MLA and that we can count on the LCA.
By law, a citizen of CHI can count on any health care of good quality and in any amount, but it can be said only in theory, but in practice to date 35% of medical services for compulsory health insurance is a commercial project, ie people have to pay extra for them.
Voluntary medical insurance, if you buy a policy, you do not have to pay extra for virtually any acute illness and exacerbation of chronic disease. The average cost of VHI policy, not so great. If we talk about sustainable consumption and insurance is not mistaken verbal turnover.
Here are just a split in the medical establishment, to differentiate from the mandatory assistance of the assistance that is beneficial to the institution, it is very difficult. Which once again confirms insurance LCA does not work. But in other countries, on the contrary, this type of insurance has shown good results.
What kind of model of LCA, you need to take to clean up its work in our country, at an appropriate level? The first thing that comes to mind is the German model. German model LCA - a savings insurance, long-term. Every employee is deducted from your salary appropriate amount of money, which is designed not only for his insurance, and at least another 5 people and all additional insurance elements that are on the LCA, they are 30% of the state policy.
It just seems to me that the definition of endowment insurance we perceive wary, especially after the funded pensions. But around the world there are long-term insurance, and every employee to deduct funds for insurance, and provides children and the elderly. The only thing that all this need clear government guarantees the safety of insurance savings. And with that, we still tight.
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