Apply Social Health Insurance

JAKARTA, KOMPAS.com - The government should immediately start the implementation of social health insurance which covers the entire population of Indonesia. It was necessary to overcome the various problems in the health sector and accelerate the achievement of the Millennium Development Goals targets.

It was raised in the Editor's Roundtable Discussion on "Health Sector Reform" in Indonesia organized by the Center for Strategic and International Studies (CSIS), Monday (9 / 11) in Jakarta.

Law Number 40 Year 2004 on National Social Security System (Forecast) mandated social health insurance is implemented in five years.

Until now, government regulations to implement the Navigation Act had also been prepared. Instead, the Government launched the Health Insurance for Poor Families (Askeskin) which changed its name to Community Health Insurance Program (Jamkesmas) to finance the treatment of the poor.

According to the medical observer who is also former Chairman of the Executive Board of the Indonesian Doctors Association, Kartono Mohammad, Jamkesmas not insurance, but social assistance for the poor. It will not sustain (ongoing) and the state's financial burden. Therefore, insurance must be made covering the entire population of Indonesia as mandated Main Navigation.

Implementation of health insurance is expected to overcome the problem of drug prices set to remember types of insurance and drug administration by doctors audited by insurance.

Equitable distribution of health personnel and facilities is also expected to be achieved because the doctors are not paid directly by the patient, but by insurance. Insurance, supported by local government commitment in accordance with the spirit of regional autonomy, the doctor can adjust the distribution of income as well as ensuring the doctor based on the number and location of population health must be maintained.

Ori Andari Sutadji, former president director of PT Askes, declared, in the health social insurance cross-subsidies occur from participants, while the premiums of poor people covered by the state. So it could happen sustainability of health funding.

100-day program

On the same day the Minister of Health explained Sedyaningsih Endang Rahayu 100-day program in the health sector of DPR Commission IX.

One of the spotlight is Jamkesmas sustainability. A number of members of Commission IX requested that the program was immediately changed. Member of Commission IX of the PDI-P faction, Surya Chandra Surapaty, hoping the government does not continue the program and encourage Jamkesmas National Social Security System is immediately run. "Roadmap 2014 Universal Health Insurance should refer to the Forecast," he said.

Endang explained, five key issues in health development in the 100-day program, namely to increase health funding to Jamkesmas. Improving public health to accelerate the achievement of MDG targets through improving rural public health, provision of drinking water facilities, restrictions on the highest retail price of generic drugs logo. Control of disease (HIV / AIDS, malaria, and tuberculosis) and prevention of health problems due to the disaster, also increase the availability, distribution, and quality of health personnel, particularly in remote areas, left, border and island.

Meanwhile, CSIS suggested roadmap for the health sector are formulated jointly by the various elements of stakeholders, such as policy makers, academics, practitioners, analysts, economists, industry, health insurance, and associations in the health sector.

According Djisman Simanjuntak of CSIS, to provide access to quality health services and affordable, reduce infant mortality, improving maternal health and combating infectious diseases is the MDG's target and improve the Human Development Index ranked Indonesia, needs to be some policy priorities.

Some priorities include a policy shift from curative to preventive orientation and promotion, health funding shift from cash and fee for service to the health social insurance, and direct the policies and strategies towards achieving the national pharmaceutical independence, resilience, and state revenues.

»»  READMORE...

News Flash: 1945 Law Allows Concentration of Power in US Health Insurance

Last week, some media reports noted that US Congressional Democrats countered an insurance industry study suggesting health care reform would cost much more than estimated by threatening a repeal of the McCarran-Ferguson Act's anti-trust exemption for health insurance. For example, in the New York Times Prescriptions Blog:

In a rare appearance as a witness at a Senate hearing, the majority leader, Harry Reid of Nevada, told the Judiciary Committee on Wednesday that it should repeal a 1945 law that granted the insurance industry limited exemption to national antitrust laws by allowing states to regulate insurers.

The law, the McCarran-Ferguson Act, is often cited by Mr. Reid and other critics of the health insurance industry as a reason why coverage can be so expensive for many people. They say the law allows insurers to monopolize markets and fix prices in ways that are usually illegal.

'Since 1945, the insurance industry has enjoyed exemption from federal antitrust laws because of the McCarran-Ferguson Act,' Mr. Reid said.

'Providing an exemption for insurance companies to antitrust laws has been anticompetitive and damaging to the American economy,' Mr. Reid continued. 'Health insurance premiums have continued to rise at a rapid rate, forcing businesses to cut back on health insurance coverage and forcing many families to choose between health insurance and basic necessities.'

He added: 'Insurance companies have become so large they dominate entire regions of the country. They have become so powerful they block start-up businesses from entering the market, and they put smaller companies out of business. They have become so dominant that they dictate business practices. They are so influential that they exert tremendous influence over public policy.'

Also, the chief anti-trust enforcement officer in Obama administration weighed in with similar sentiments, as reported by Bloomberg News via the Philadelphia Inquirer:

Christine Varney, the Obama administration's chief antitrust enforcer, told lawmakers yesterday that repealing the insurance industry's antitrust exemption would spur competition and further the drive to control the cost of health insurance.

Varney, head of the Justice Department's antitrust division, told the Senate Judiciary Committee that ending the exemption would 'allow competition to have a greater role in reforming health and medical malpractice insurance markets.'

So why would this discussion be relevant to Health Care Renewal? First of all, the exemption of insurance companies from anti-trust laws (US laws designed to prevent monopolies and other anti-competitive business practices) may have allowed these companies to grow into business behemoths, and for individual companies to dominate local insurance markets. In some locales, businesses and individuals have very few health insurance policies available because only a few companies dominate the market. In fact, every recent year, the US American Medical Association (AMA) has put out a report on insurance market consolidation decrying concentration among power in local markets among few companies.

For example, the AMA news release for the 2009 report said:

The vast majority of health insurance markets in the U.S. are dominated by one or two health insurers, according to a new study by the American Medical Association (AMA) that examined insurer competition in markets across the country. Most alarmingly, in nearly all 314 metropolitan areas studied, there is evidence that patients and physicians have fewer options and are left vulnerable to the demands of the health insurer.

So this does seem to be a case of concentration, if not necessarily abuse of power in health care.

Why this is real news however, is that the 1945 McCarran-Ferguson Act, its baleful influence, and calls for its repeal are not old news. In fact, up to now, they have not been news, or part of health care policy discussions at all.

My first response to the news articles above was "the McCarran what act?" I had never heard of this 64 year old law, and never heard it cited as an enabler of concentration of power in health insurance, and never heard a call for its repeal.

Maybe that means I am no expert in this field. But, the first 10 pages of a Google Scholar search for the terms "McCarran Ferguson health insurance exemption" revealed precisely one article in the health care / services/ policy research literature that discussed this act (from 1998, in Health Affairs,(1) and without clearly relating the act to concentration of power in health insurance.) Similarly, a PubMed search, using the term "McCarran-Ferguson Act" produced nine articles, none in mainstream health care/ services/ policy research journals, much less general medical journals (three were in the Am J Law Med, 2 in AIDS Policy Law, one in Benefits Q, one in J Am Osteopath Assoc, one in J Pediatr Health Care, one in Am J Hosp Pharm, the most recent published in 2004, all the others in 1999 or earlier. There was nothing except the article above in Health Affars, nothing in Medical Care, nothing in Health Services Research, and nothing in any of the big general medical journals.)

Therefore, maybe the 1945 McCarran-Ferguson Act was a major cause of consolidation in the health insurance market, and this consolidation may be an important contributor to high health care costs and poor health care access. But this notion apparently has not appeared in any major medical or health care/ services/ policy research journal in the last 20 years.

If the McCarran-Ferguson Act has been around for 64 years, and is a major cause of rising health care costs and declining health care access, why has no one bothered to discuss it where any physician or health care/ policy researcher might see it?

It seems that the failure to bring the McCarran-Ferguson Act into polite conversation is another example of the anechoic effect. We have noted again and again that for physicians or health care professionals to discuss certain aspects of our dysfunctional health care system, often aspects that relate high costs, declining access, and poor costs to concentration and abuse of power, is "just not done." So it seems like discussing how a federal law from another era barred government action to prevent concentration of power in the health care industry, concentration of power that made some people very rich, was "just not done."

Of course, if there was any discussion of this law and its effects, maybe someone would have called for its repeal before 2009.

Dr Aubrey Blumsohn provided a reminder from the UK to us in the US: ""the desire to maintain decorum and status in medicine seems also to overwhelm all standards of decency. Our profession is inclined to fixate on the irrelevant while ignoring some very bad things."

If we really want to improve health care here in the US, and around the world, a modest beginning would be to begin open discussion of the various skeletons rattling around in the health care closet.

Reference

1. Nichols LM, Blumberg LJ. A different kind of ‘New Federalism’? the Health Insurance Portability And Accountability Act of 1996. Health Aff 1998; 17 (3): 25. [Link here.]

»»  READMORE...

Health Insurance for Artists, is it necessary?

Governor Dr Pakde Soekarwo or Karwo "greeting familiar" when he read his speech at the friendship and giving awards to 10 artists and humanists and compassion to strap a 300 artists at the Graha Wisata Dinas Kebudayaan and Tourism Office of East Java, Surabaya, Wednesday (9 / 9) , his idea about the importance of health insurance for artists. The idea put forward Pakde Karwo appeared spontaneously, outside the speech text, because a whisper Karwo Bude, Mrs. Nina Kirana Soekarwo, which comes accompanied after seeing comedian Srimulat, Kentus, who went looking for stuttering may be attacked by uric acid.


Governor gives some reasons about the importance of health insurance for artists. First, the role of art in the life of the nation has an important meaning as a form of nationalism. Second, the existence of art no less important than the physical development. Third, the art could cleanse the human soul and makes us born again as human beings. Karwo Pakde also quoted the speech of U.S. President John F Kennedy that if politics is dirty, then the arts are able to clean it. Java Sasanti mencuplik also that art can wash his soul.

About the need for providing health insurance for artists, according to the Governor of East Java, is a couple's commitment and Gus Pakde Karwo Ipul (Saifullah Yusuf) that the Government of East Java East Java watching public life, including artists. He menganalogikan with free school programs nine years in East Java who took a budget of Rp 628 billion in 2009-1010. If the government can help the school fees of students from poor families and teachers' salaries, the same thing would be made against the artists.

Thinking about health insurance for artists can be conducted in health centers and clinics in East Java which is adjacent to residence artists. Pakde Karwo explains, "If there are artists who cough or affected uric acid, for example, can be examined at the clinic". Greeting the governor received spontaneous applause of hundreds of artists who attended the Hospitality.

Karwo Pakde ideas I consider a new, original and first proposed by a governor. Maybe other governors in Indonesia have not thought that way. However, the original idea was to be observed. Examined by looking for references of law as a basis for the operationalization of the necessity of providing health insurance for artists. In the Constitution of 1945 Article 32 mandates: the Government advance the national culture of Indonesia. This means that the government does not regulate private business life of artists, including health problems.

Draft Law on the Arts has not been discussed by legislators at the House of Representatives. Concern for the health of the Governor of East Java is the artist that allows fresh discourse is realized in the era of regional autonomy that run since 2000. In explanation of Act No. 22 of 1999 on Regional Government "as updated in 2000," among others, mentioned that the head of the region as a public protector should be able to think, act, and act with more priority to the interests of the nation, state, and the general public rather than private interests , class, and flow.

So the idea that the Governor of East Java in line with the explanation that mandated Law on Local Government. For that, the idea of health insurance for artists to follow up and get a positive response, especially from Java legislators and other relevant agencies, particularly East Java Provincial Health Office and the management of public hospitals owned by the Government of East Java province, spread in urban areas and districts. If the legislative and the executive has the political will in responding to the idea of the governor, sooner or later must be realized gradually, slowly but surely.

Given the Governor of East Java service is still less four and a half years, until the next 2014 years, the possibility that ideas can be realized. In order to realize the idea of health insurance for artists that require a mature discussion and antarinstansi trial penggodokan Parliament building which is actually a representative of the people and set forth in local rules (regulations) that have a legal umbrella.

Although currently in the middle of the community is already practiced health insurance for poor families (Askin) yangmengatur free treatment for the family can not afford at government hospitals. Should health insurance for artists? We are, perhaps, not have accurate data about the number of artists among the population of 36 million people in East Java. If it is assumed that the artist Java about 1 percent of the population, there are at least 3.6 million people peyandang predicate artists. Given the province of East Java has a variety of artistic traditions spread from Banyuwangi to Magetan and from Sumenep until Pacitan.

Arts Mataraman style tradition, Osing, culture arek, pedalungan, mapun coastal hinterland. Starting in love dance, drum jimbe, Kuntulan, Krucil wayang, wayang beber, wayang jekdong, dance mask, Reyog, ludruk, macapat, kentrung, nuanced art of Islam, and modern art such as theater, art, music, choirs, and other . In the urban areas and 38 districts of East Java as a mainstay of modern art and the tradition which remains preserved by the artists. Given that an artist or a professional arts workers, artists are members of the community like other professions, such as farmers, fishermen, laborers, merchants, and others.

At the beginning of this article mentioned, ars longa vita brevis or art is long and life is short. Thus, health insurance for artists would need to be realized, after the Government of East Java province first priority to overcome the problem of poverty and unemployment rates in East Java.

M DJUPRI Artists and Writers, Live in Malan

»»  READMORE...

Factor Selection in Health Insurance Collection

ON several previous editions, I have to tell you about the various health insurance programs that can be set by a company-sponsored, among others, and Indemnity Plans Manage Care Plans.

To add to our knowledge about this type of insurance program, I will explain to you about important factors to be the benchmark for insurance companies in the risk selection process. In this edition, I will examine the factors associated with the characteristics set or group in the context of the research group for the purposes of risk insurance for employees.

Typically, the underwriter of group life insurance company will conduct a parallel study of related factors. The study was conducted to determine eligibility and insured insurance program proposed by the closure of a group insurance application.

Selection of Eight Risk Factors

In principle, there are eight key factors that will be examined by life insurance companies in order to evaluate the issuance of a life insurance policy for one group, namely 1) the existence of background, 2) type and the type of group, 3) stability, 4) scale the number of participants, 5) type of business, 6) level of participation in the program, 7) age, and 8) sex.

First, the background of the existence of the group.
most, life insurance companies less willing to publish an insurance policy for the group when the group was formed solely or established with the aim to cover the needs of life insurance for its members in it.


This corresponds to a tendency to occur (based on experience in some countries) that may occur in antiseleksi this group. Antiseleksi is a term commonly used in the insurance sector about situations that occur as a result of asymmetric information.

In this case, the insured or prospective policyholder requesting the insurance to life insurance companies associated with severe disease or high health risks that have been known by the concerned.

Second, the type and type of group. In this case, what concerns insurance companies associated with the evaluation of a group. For example, if a group is formed because of the relationship between workers and employers? Or, if the group is a cooperative, association, or other entity?

Third, stability. Stability associated with the condition in which group or groups could maintain the flow of entry of new members of the younger, from time to time so that this condition allows the group has members aged spread evenly.
Experience shows that old age has a risk of morbidity and mortality is higher.

Group underwriters also considered an indication of the high-intensity changes in a short period. In this condition, life insurance companies will be subject to additional administrative costs in the context of the administration of the insurance coverage of each member in the group.


Fourth, the amount of participants. Currently there are many life insurance companies that provide less stringent limits on the size of the number of participants in the group. However, a large number of participants in a group tend to have the three following characters:

a) The closer the number actuarial assumptions in terms of morbidity and mortality rates,
b) tend to have small fluctuations in the claims,
c) the management requires administrative costs of smaller (percentage of the amount of premiums).

Fifth, the type of business. In the process of risk selection, the group was watching underwriters of these factors. Why? For life insurance companies, types and certain types of business have a probability higher risk than other types of businesses. Sixth, the level of participation in the program.

Life insurance companies generally classify Program Group Insurance Plan into two parts, namely noncontributory plan and contributory plan. In the noncontributory plan, the company sponsoring employer will pay for the program entirely to the company's insurance premium life insurance. In this case, the employees as members or participants in the group did not join pay a premium. How about the contributory plan?

In this case, the participants contributed in small part to pay premiums. To reduce the effects antiseleksi, the noncontributory plan, insurance companies generally require all participants must follow the insurance program. Conversely, for contributory plans, insurance companies frees participants to join.



Seventh, age. Although no group underwriters will evaluate the risk to each participant in the group one by one (except for groups with very few participants), insurance companies continue to evaluate the age distribution of members or participants in it. In particular, life insurance companies will pay attention to the large number of participants who are old. Experience shows that this group has a risk of morbidity and mortality is higher.

Eighth, sex. The proportion of sexes in a group of participants is also a factor for the evaluation of life insurance companies. Generally, groups of women in the group tend to have less risk. That is why, a group with the proportion of women participants is statistically greater will have a smaller risk for insurance coverage.


In next week's edition, I will discuss several other factors associated with coverage in the group health insurance program. These factors will be a study for life insurance companies to assess the feasibility of the company in obtaining health insurance protection for employees.

»»  READMORE...

health Insurance Booklet in Japan

It has become common understanding that the cost should be borne by the public when a disease or disaster stricken accidents and deaths is enormous. Sometimes it does not kdang costs could be borne by the patient. Therefore health insurance programs are required in some countries, like Japan.

Anyone who lived in Japan for at least one year, it must have health insurance. The first time I came to Nagoya, I only paid 900 yen per month for health insurance. Then the next year increased to 1200 yen. Value was considered relatively small, because my student scholarship recipients who are not considered income. After working part time and have the income, then the insurance money I had to pay also rose. In 2007, the insurance money up to 8700 yen, and in 2008 there was an increase like crazy (14,900 yen) because of new regulations on insurance Nagoya city.

With the insurance money, if I suffer from pain that I bear the cost of only 30%, with terms not exceeding the total cost of 330 000 yen. If the value exceeds the amount of responsibility the greater the percentage.

Today I got a little insurance card with a booklet about using your insurance card. Booklet was actually sent each year, every time a publication of the new insurance card, but I'm just collecting. Inside is a full explanation of the Terms of financing based on age or insurance payers to bear.

The last page contains information about the metabolic syndrome. If you have the following:

A. Abdominal circumference over 85cm (male) or 90 cm more (women)

B. 2 of 3 of the following:
-(chuusei shibou) = neutral fats (triglycerides) more than 150 mg / dL, HDL cholesterol less than 40 mg / dl
-(kufukuchitou) = level of fasting blood sugar (fasting blood glucose) is more than 110 mg / dL or hemoglobin A1C more than 5.5%
-(syusyukuchiatsu) = systolic blood pressure over 130 mmHg or
(kakuchoukichiatsu) = diastolic blood pressure over 85 mmHg

then you suffer from metabolic syndrome.

To overcome the syndrome is described also about healthy lifestyles in the piece titled (seikatsu syuukan kaizen), which means changing the pattern of life. Some important points are:

Food:
- Reduce sugary foods
- Increase the consumption of fish, vegetables, mushrooms and sea plants
- Chewing food properly and eat slowly
- Eat 3 meals a day

Fitness

-While working or doing something with the regular move your body
-Rutinkan sports such as walking, jogging, etc.

-Stop smoking
-Reduce alcoholic beverages (for Japanese): a week does not drink for 2 days, and a day drinking only 1 bottle of sake.

So, if you have metabolic syndrome?

»»  READMORE...

Loss of health insurance company Rp 2 Trillion Due to Earthquake in the field

Maipark Indonesia, an insurance company specializing in the field of protection against earthquakes, said that the disaster an earthquake measuring more than 7 Richter scale that shook the Padang and the surrounding few days ago has resulted in losses of Rp. 2 trillion.

Bhishma Subrata, Indonesia Maipark director also added that this amount does not include the overall economic losses caused total paralysis of Padang.

Meanwhile, the number of dead is successful in the identification by the police to have numbered 500 people and the number of wounded has reached 3000 people.

Insurance Claim Estimates: Rp. 50,000,000,000, - (500 x Rp. 100,000,000)

Estimates of Health Insurance Claims: Rp. 30,000,000,000, - (3000 x Rp. 10,000,000)


Insurance Claims in Padang Over U.S. $ 40 Jt
Padang earthquake

INILAH.COM, Jakarta - Natural disasters earthquake in West Sumatra is expected to raise claims of general insurance companies associated earthquake that hit West Sumatra, estimated at more than U.S. $ 40 million.

It was said President Director of PT Asuransi Maipark, Frans Sahusilawale in Jakarta, Wednesday (7 / 10). "The total claim is still calculated, but estimated greater than the earthquake in Jogjakarta which reached U.S. $ 40 million," he said.

7.6 earthquake in Padang and SR 6.6 SR in Jambi, he said, still could be closed by the entire general insurance companies up to Rp 9.4 trillion. "Because the risks are insured in West Sumatra consists of 3830 buildings with a total insured amount of Rp 9.4 trillion," he explained.

That during this Maipark as earthquake insurance premium collectors from all insurance companies in Indonesia that reached 90 general insurance companies in Indonesia. Thus, the ability to close claims in the earthquake can be calculated it. Sleain that each general insurance companies are doing the calculation at the disaster site.

In the meantime, Frans suggests loss of the second estimate of the earthquake reached Rp 1.3 trillion. Although in both regions are not all covered by insurance.

Meanwhile, the same place, the Chairman of the General Insurance Association (AAUI), Kornelius Simanjuntak said that I have found no data that insured buildings in Indonesia. "So any loss or partial loss of research and assessment needs," he explained.

Cornelius added, especially for claims, will be paid in advance using the interim payment after the total loss is known and within a period of 2-4 months can be paid.

He also appealed to the insured to maintain the insured property in order not to cause more severe losses. "Also expected to cooperate with insurance claims officer or a loss adjuster to the investigation officers carried out repairs can begin," he explained.

»»  READMORE...

More Complete About Health Insurance

You probably already know a lot of vigorous insurance offered by insurance agents. But how much knowledge you until finally deciding to join one of them. Here's more information about health insurance.

Health insurance is a type of insurance products that specifically guarantee the cost of health care or treatment of the members of the insurance if they fall ill or have an accident. Generally, there are two types of treatment offered by insurance companies, namely hospitalization (in-patient treatment) and outpatient (out-patient treatment).

Health insurance products held either by the social insurance companies, insurance companies, as well as general insurance companies. Some insurance companies and life insurance also has marketing programs of health insurance with a variety of different variants.

In general, insurance companies health insurance program organized in cooperation with the hospital either directly or through intermediary institutions as an assistant hospital network management.

The number of insurance companies should be wary indeed. Do not until you become a victim umpteenth time since fall for false promises of insurance agents. Here are some tips choosing health insurance.

1. A good insurance company can be seen from his reputation. Usually they have branches everywhere and you can see the notes through the media.

2. Before deciding to take health insurance, should learn first what they offer and what the benefits. Read down to the smallest detail because they often include terms that do not clearly legible.

3. If you want to choose insurance, choose insurance based on the economic value of a replacement if the risk will occur and not because of the premiums. Notice also the financial strength of the insurance company.

4. In addition there are health insurance life insurance that can provide returns of investment. Problems can also be considered bankruptcy because it could happen to all companies, not least with the insurance company. Therefore, in the time from opening an account insurance, check with the depth of the ways to make a claim, where the only office that can receive complaints, and also the possibilities of the worst that could happen and what the solution.

»»  READMORE...

Health Insurance

Health Insurance

One of the basic and compulsory insurance is health insurance. Provide comfort care to the insured and his family.

Insurance premiums are automatically deducted each month from your income and is currently at 9%. Every insured person has health insurance documents, insurance cards that can be, insurance cards to family members of workers and retirees, retirees pass. Presentation of legitimacy is very important to obtain health care at medical clinics and hospitals.

Zdrowotengo insurance basic package offers a variety of medical services for free to anyone who enjoys the insured patients. This includes advice lekarsie especially in primary care. This provides unlimited access to medical internists, pediatricians and obstetricians. Tan package also includes diagnostic tests, which are full of blood collection, including measuring the levels of glucose, cholesterol, creatinine, uric acid, bilirubin, etc., as well as urine and stool tests. The insured is also entitled to abdominal ultrasound, gynecologic ultrasound, and chest x-ray, skull, spine, resting ECG, spirometry, and others.

Health insurance also provides a discount on the advice of specialist treatment and vaccination against influenza. Specialist care applicable to medical specialists 19 additional specialties, including cardiology, surgery, ophthalmology, endocrinology, Gastroenterology, etc. Discounts are also applicable for other services provided by przychdnie provider. The basic package includes a free review of the oral cavity. These hospitals also provide a daily allowance, or lump kwolty every day stay in hospital.

Insurance companies also offer additional private health insurance. Zapewaniają insurance access to private medical facilities, medical expenses and hospital care. This insurance provides a wide range of medical services, enhance their comfort, reduce waiting time for treatment and, depending on the choice, for example, also provides medical care during pregnancy, childbirth, and even personal.

»»  READMORE...

Krankenversicherung - Health Insurance

Health insurance should be the first to settle the case to the German elections. The drugs, doctors and hospitals is very expensive, so you must ensure that the insurance would cover the cost of treatment for illness and emergencies.

Private insurance is: 
 - hiring employees, annual revenue exceeding EUR 47.700, 
 - Officer (Beamte) 
 - unincorporated business themselves. (Selbststaendige).

April 1, 2007 came into force on the German health care reform (Gesundheitsreform). Its main purpose is to extend health insurance (Krankenversicherung) of all the people who live in Germany. The basic premise is that liability insurance reform imposed from one side to the citizens, on the other hand, to fund (Krankenkassen) and private insurance. From 1 April 2007 previously uninsured people, including state insurance schemes (including in some cases, entrepreneurs -Selbstständige/Gewerbetreibende) required health insurance.

The people who are subject to compulsory health insurance, which does not report the appropriate health insurance fund, in the future must take into account the need to pay the arrears in contributions from April 1, 2007. The contribution of insurance in the state of sickness funds is around € 315 per month. People covered by this obligation to all those who already have national health insurance, even if they are in Germany only temporarily.

More pleasant solution is to buy private health insurance.

From 1 July 2007, persons belonging to a private insurance scheme, and so far rejected for various reasons, private insurance, the insurance company has the right of every private insurance. Private insurance companies accountable with time to prepare it. Standardtarife, a package of health benefits, in practice, roughly corresponding to the package of benefits guaranteed by the fund disease.

The final stage of health reform will come into force in early 2009. Since then, the obligation of health insurance will cover self-employed, so far not insured through the state insurance system.

Operates in Germany, one-person business / economic activities are encouraged to include private health insurance, which protects the financial consequences of medical intervention when necessary and suggested a lower contribution of the higher and better quality medical services.

Private health insurance offers a wider insurance, among other things, provide access to private hospitals, alternative therapies, this cost is not always covered by state insurance companies. Some private doctors will only accept insured patients. Another advantage is that private insurance companies do not expect you to participate in the cost of treatment or medication (Zusatzzahlungen) as embodied in the state system.

Several private companies offer the option to share your own (Selbstbeteiligung), which means that in the case of the disease include some medical costs for
Specifically, the annual total, in return for companies that reduce the amount of your monthly rate.

All private health insurance company is required to introduce in 2009 the basic rate. The provisions in the tariff would be equal to the state health insurance fund. Also facilitates the ability to change insurance companies. Insured will be able to take you out of the age. For people running their own businesses (Selbstständige) and higher paid employees, will remain private insurance system better and cheaper health insurance from the state.

01.01.2009 for all the people who live in Germany are required to enter health insurance. People who are not insured, but living in Germany will, by law, must take out insurance.

»»  READMORE...

Private health insurance

Private health insurance in Poland is becoming increasingly popular. These private health insurance, better and faster to ensure medical attention. People who pay for health insurance as is usually no need to wait in the queue is very large. There is also a very long time visit to a specialist. Such as private medical care is the highest degree, and certainly every patient satisfaction. The only downside to the situation is money. Unfortunately, not all can afford such health insurance, the city of Warsaw Poland and other big cities are places where these services grew especially rapidly, and patients come from day to day. The reason may be, inter alia, the situation got worse and worse health, and thus worse medical care, Warsaw and the cities, which of course, is carefully used to create centers of private health care and even home ill. However, now the norm in capitalist countries, such as operating systems across Europe and around the world.

»»  READMORE...

health insurance in the United States

I do not know whether to laugh or cry when I hear praise from wondering about the American health care system, voiced by those who have been or are about this issue rather vague idea, or the level of drug in the United States with the availability of medical services. Here we are dealing with such logic: the American system is a system of private and semi-free market, so there is no waste in it, fund lazy, DISTRIBUTION Robinhood-style communist citizens require hard work, and provide the welfare darmozjadom. Employment, obtain, buy insurance for themselves and families. Simple, right?

Both simple and true.

As you know, America is the only highly developed countries in the world, which does not offer its citizens universal health care. Seems to ensure that the majority of Americans by their employer, their own pay from his pocket, only a small portion of the premium. Retired more than 65 years old and disabled people eligible for Medicare - the government program for parents or receiving disability benefits. Also operates other government programs - Medicaid - for the poor, but that he was eligible, you must have an embarrassing low level of income.

So what's with all the others - the people who work alone or small businesses do not offer insurance? For those who just lost their jobs, and with it the health insurance programs and do not get COBRA? Or those who are poor as church mice, although harują as God commands?

In theory, anyone can buy private insurance on the open market. Unfortunately, private plans are not just out of reach financially for many families with average incomes, but they are also generally available for people with a history of serious illnesses like heart disease, diabetes, cancer, yet again. Insurance companies can legally discriminate in the United States and refuse to sell insurance for five-year trainee before he used antidepressants or Lipitor. Only five states, including New York and New Jersey, prohibit such discrimination - the insurance company must sell private health insurance to anyone without a pre-existing conditions, but all for a very high price ($ 2,000-4,000 per month for one family).

Even now have insurance, and so there is no guarantee that the insurance company will cover medical expenses. Many insurance companies will do everything to find a reason for failure to pay the bills. Weird? Not at all, because the model operates on the principle of conflict of interests - insurance companies for treatment and patients' interests, and shareholders, but unfortunately, exclude one another, and easy to guess who is "above".

Sam always looked after the insurance as the eyes in his head, but when the pain got a bill for 100, 200, 300 thousand. dollars. This amount is to play for a few weeks stay in the hospital and continue treatment for several months a few years ago (now probably more than twice as much). I was the sixth chemical, barely, and I stood on my feet I'm writing again appealing to the insurance company to pay the struggle to stay in the hospital.

And on Christmas Eve I got a call from a young woman from the insurance company that the "regret" told me that the policy was canceled because the company has received information that we have other insurance plans. What is not true, but not afraid to get hurt - and what if the perpetrator to confess something and succeed in all the "problems" to encourage the insurance?

I can pull this list of horror, but why.

I am not interested in the government seat pan. Did not benefit from disability benefits even when I was with one foot in the world and it belonged to me like a dog cage. Also be reconciled with the fact that resistance to the introduction of a single payer health care or universal health care system in the U.S. is so great (a strong insurance lobby and the pharmaceutical companies and doctors) that you need to type "fanaberiach" civilization, unfortunately, forget it. But it must be really fertile imagination to the status quo would be considered good.

Obama's plan seems reasonable and feasible compromise - do not remove the system where most people obtain insurance through the company, but other possible participation in the government equal to that enjoyed by Congress. Whatever the history of the disease and at a price that does not damage the person who obtained the national average. Small steps forward.

McCain health plan - oh well, McCain is not in this case each plan, if you do not expect a proposal for insurance premiums paid by the employer, currently treated as taxable gains are taxed the same way as other income. At New York the amount of insurance premium such as this may be around $ 600-800 per month per person with group plans, which means additional income tax on the amount - a few thousand dollars per year. Instead, McCain wants to give each person a small tax deduction (tax credit) of $ 5,000 per family or $ 2,500 per person, which will encourage insurance to buy private insurance.

Like the fair, because everyone will be treated the same - but what do I care? Who cares for pre-existing condition and that if I wanted to personally insured in Florida or California, I was treated like a pariah? On the subject, McCain's plan there are no words. For me and all the people who get insurance through the company, the plan McCain = higher taxes, and nothing else

»»  READMORE...

Yes, we were there - we need health insurance

We take the risk of a society in which we give priority to the wealthiest and most healthy. Where's my wallet that determines the type of assistance you get, "Westin said, referring to the report 'Shared classes of health?. I satisfied myself to emphasize that this is a coalition, with allergierer against public and private partnerships, managed to do while they are in government .

Conservatives believe that those who need assistance from health care to get it, and played a small role for the government if the citizens of the public or private health care do this, however, is that government spending will be covered. The most important for the Conservatives is that people receive necessary health care within a reasonable time, and that there is a difference between rich or poor in the system.

We're on our way for civilian rule. You can find the institutions of private health care when people do not have the space or the necessary expertise - now you must take out insurance to take advantage of same rødgrønne since they do not want to take charge. They consider the private provider, with very good health, as a negative for the people of Norway. Understanding what you can.

Next time you see someone from A, Sp Ap or standing in the stands, you should ask them about exactly this. Why did they not take the bill? Why it is better that people were reported hurt and the pain of that we get help from the private sector?

»»  READMORE...

Health insurance - or more pain?

Discussions about health care in Norway is strange. On both sides shouting that we must do something. Now, health insurance has become a theme. Not because they are poor or expensive, but because it allows for faster treatment if you are willing to pay for it. Check insurance when they find out where there is free space in a more appropriate way, rather than the health care system can be done on your own. And they pay for services, and when found, is much faster than health care itself can do, you will be treated in the .... yes, only the health sector.

Should we make ourselves or the children?

Right now brought in the courts as if it will damage the health care system, where the main idea is that everyone should be treated as late. Apart from the importance of rapid treatment. Achilles tendon taken today for treatment only after 97 days. Monday readers of Health statistics for the South and SSB, it is clear from this that took much longer - even up to 3 times longer - than if you sign-care insurance for the same injury. Now, argues Professor of Social Medicine today that it takes 70 days for some treatments, longer for others - but that is acceptable and there is no crisis. Yes, it must be true. But why in the Norwegian business community to wait 70-90 days' sick-notes, when he went away with 30?

Insurance companies take advantage of parents' fears

And this will damage the health of Norway?

I understand that during the Norwegian health care does not impose conditions that facilitated that someone can actually get both means-tested treatment and care within the same insurance company can offer. For the last treatment in places exactly the same - whether you pay through your insurance or choose to stand in line at the Norwegian health care.

Health Rødgrønne queue to blame

And then that started to get difficult to understand. You really get out of the queue. There are a lot of pain all the time, if someone has insurance or not. Insurance products show clearly that there is capacity faster processing. The problem is that someone will pay for it. And that person can not pay for it. Norwegian companies are not so stupid that they do not realize that the long-term message because too much processing time is an expensive affair. Mon struggling with Achilles problems, must be because it takes 3 times longer, - where the costs are added to the business. Not only to cover the pain, but to check the temps, or let the job done. It's also great cost of money to train new people for short term or long. Besides the need to accelerate the replacement arrangements without a steady job. People who are sick will be normal again - just takes more time.

Offer through health queue

As written today in the newspapers today that a person really wants to do something about health insurance is sold, rather than doing something that gives the shorter treatment in the Norwegian health care?

Bjarne Håkon profit health long queues

Could not understand me. Why on earth can not the government introduce the same scheme - have tried and tested revenue - at all?

An example may be necessary to test the quality of life, the cost of employer costs for society and the individual's income.

Hold the thought about akillesen to be processed:

- About akillesen causing your problems so that exceeds the quality of life, you - yes, you have to be processed more quickly than you can wait for 3 months

- About akillesen on society through paid sickness, unemployment compensation and rehabilitation, - yes you have to treat more quickly.

Health insurance - forget it!

- About akillesen result in increased costs for employers through education, facilitation, low competitiveness - yes - you should be treated more quickly, or supplying employers compensation outside the normal period of sick-notes

- If you do not have the income to allow you to process in a private clinic, which has a waiting list is shorter - yes, - so will you provide for compensation from the state to ensure you get a faster treatment.



All this might be and try to some extent NOK today. That way it would in all Fal not caused by differences in economic class.


What about all the people who currently pay for this through health insurance? They may very well continue with this, which in turn will lead to competition much greater in the health care system today - where the turnaround is a significant competitive advantage. This will result in more efficient health care system, which also will control the quality as well.

This is a way not described today that households and businesses pay for the Norwegian something they are not used to. Men are not so foolish or business leaders. Waiting for treatment degrades job satisfaction, quality of life and cost of money. It's that simple. Norwegian business sector that do not pay the referee expensive for something that does not give value for money. Therefore, the increase in health insurance sales.

»»  READMORE...

Know When to Sell Health Insurance

Health insurance is very important in this era, but many people do not bother to take. Or it's too expensive or do not think they'll need it, either way the end was not protected. Some companies offer health insurance to their employees at a discount, although this is not a requirement and some employers just do not give a choice. If this is the position you are in you may want to think about making health insurance outside the company.

Type of Health Insurance Are There?

There are many different types of health insurance and are usually the main thing is that people choose the individual and family insurance.

Individual insurance is ideal if you live alone or if your family members have health insurance. Unfortunately if you buy outside the company, you will pay higher insurance. Family insurance on the other side a little more expensive, though still high enough for some. It is not possible for any family coverage can actually become very heavy from your shoulders. If you take an individual health insurance for every family member who would cost so expensive designed family insurance is definitely worth paying for!

If you work alone there are also special plans for your health insurance as well. Every person, however, once again it is usually quite expensive to find that can afford it. Things that you really have to ask yourself though, is that you can pay if you have an accident? If the answer is no then the health insurance is generally a good thing to have.

Is there a good value plan there is only a matter of finding them. If you have a chronic illness so health insurance may be convenient for you, but keep in mind that the very high insurance rates. This is why insurance companies should ensure that they do not have to pay a lot of money for someone who pays low level of insurance. Therefore, be prepared to pay a little extra if you currently have health problems.

In total there are different types of health insurance plans to choose from. So whether you need to buy health insurance for themselves or for the whole family, there must be something that fits with you. Do not care about buying a pure health insurance for the cost. Besides, the cost will be far more terrifying if you do not end after being treated in hospital and you'll have to make money immediately!

»»  READMORE...

Charter of the European Union Health Insurance

Health Insurance Charter European Union makes it easier for people from 27 EU countries and Iceland, Liechtenstein, Norway and Switzerland to access health care services for temporary stay abroad.

So if you go on holiday, work trip or short stay or study abroad, remember to make sure the card obtained. This will help you to save time, beating and money if you become ill or tkorri while abroad.
What practical benefits of paper?

Card ensures that you will have the same access to health care in the public sector (eg doctors, pharmacies, hospitals or health care center) as a citizen that you visit. If you need to receive medical attention in a country where health care is a consideration, you will be refunded / a either directly or after you leave the country. The idea is that you are providing care that you need to continue your visit.

However, it is important to note that the paper does not cover the cost to your health care when traveling abroad if you travel to get treatment for illness or injury that you have before you begin the journey. Paper not tkoprik if providers use private health care.

Given that some Web sites that offer health insurance Charter is responsible for the European Union. Note that the card can be obtained free of charge to local health authorities.

National Health Service in the United Kingdom should be guided by country (in English) about how one can have access to health services or claims of refund of the visit both countries in the European Union also Iceland, Norway and Liechtenstein. Click on the link of the country will visit and prepare for your trip:

»»  READMORE...

Tips: Guide Choosing the appropriate health insurance

I think between us are not crowded out, or do not know how to get the right to identify the health insurance policy with us. Which can provide adequate protection from the present into the future.

Looks like you too, when I first reunited with the word insurance. I do not have direct experience. My dad (i love you!), Which reminds me again, "if dah work, amik insurance, buy a house first". tu her message, berkali2. To makluman, my dad ni are not highly educated people too. So now I am very impressed with the awareness that my father would be willing to understand the future interests of this design.

okay, turned the story of my story the first time I took the insurance. I am grateful for having someone who becomes, where I refer to something uncertainty. I believe in intuition and the way he managed to live. He was like a brother to me. So the short story, like where my friend, I finally chose to take the policy with prudential, sepertimana him. (At that time prudential takaful not exist anymore, there's only pru prudential Islamic link only).

So far, I should say lucky because my insurance representative, has the quality of a good agent and professional.Banyak nasihat2 and opinions in terms of assistance given to me without motive perjudis and without protection from the kesemasa. He gives an opportunity for me to make decisions for themselves, without any commercial purpose that is pursued komisien.Malahan important every day, there were cards greeting cards sent to me or at least sms. In fact every time he traveled out of the country there are only a given ole ole. So in short, the relationship between my representatives and my insurance did not end, setakat not as representatives of insurance and the client but more to friends.

Here is what I want to Tips2 partnerships that may assist you in choosing the appropriate insurance product to you. .

1. Ask yourself, if you need insurance protection?
Answer honestly from your heart, whether you need insurance protection or not. Do not just join a friend or just there. otherwise, know n find out the protection offered to you. In contrast to caruman socso and KWSP, insurance is one more way that can help you and your family financially because he can reduce financing costs or your health. Instead prudential takafaul can provide financial protection if you are unable to work because of chronic pain by paying premiums until age 80 to tahun.Malahan the savings for your policy will be continued until the age of 80 tahun.Sekurang2nya money KWSP / retirement / storage you do not need to use to finance your medical expenses.

2. Protection must know that you want and what you can afford.
Most important, you need to understand it and halusi any protection policies offered to you, understood each paragraph or the requirements stated on every page. This is important for you to understand every dollar you laburkan it will be prosecuted as embodied.

3.Pastikan way that makes it easy payment.
Make sure that the monthly premium payment to help you, not complicates. Payments can now be done easily through auto debit from your savings account or credit card discount. I suggest that you make through auto debit. Because maybe 2 or 3 years to come you will probably end your credit card account.

4. If possible, take the agency a full-time and experienced. But it was not wrong when taking an insurance policy from an agent half the time if you feel they are committed to carrying out their duties as representatives insuran.Secara logic, insurance representatives and full-time who are not married must be given time more than the representatives who had been married. So all that must be investigated because it would give the impression to you later. So choose what's best for you.

5. If you are still not convinced with the explanation given by the representatives of the insurance, ask for time to think and relax. at least 3 days. Review the past and he thought the police had offered to refer to a wise friend in insurance alone. Compare your policy offered by another person or the policies offered by the police the other insurance companies. At least you know what's best for you for today and the future.

6. If you have no insurance coverage was provided by the company or the family, compare the policy is given to you and think for the long term. Usually insurance protection provided by the company only for the period of time to work when the company alone. So it is wise if you take a personal policy to avoid trouble later on, especially when your age increases. I myself have made the insurance protection 3, one of the company (while I was still in office), the secret police (prudential), and the police hospital income (Maybank). Least risk in the event of difficulties can be minimized in the future. Public need to know the monthly premium price is different according to age, and the level of one's health. Phase premium offered to the police today may be different in ten or twenty years to come. The appropriate time to take the police as early as age insurance premium which is cheaper and approval of the petition also easier because the risk is lower accumulated.

7. Choose the protection of existing low investment bonds (or low education). Least every dollar that is paid every month there is a part for investment. Maybe not as much as if making a total investment through a share trust or unit trust, but at least every penny you have values that give your insurance representative pulangan.Tanya, how many parts of the payments to the fund put together and what percentage dilaburkan to benefit.

Offering protection 8.Pilih medical card, if any, must know the type of protection offered by the medical card. Must know the list of clinics and hospitals that accompanies the list of the panel nearest anda.Bandingkan with other medical card if you know for sure the best of medical cards for medical card anda.Pastikan whether it is provided by third parties (third party) or panel main.

9.Tanya insurance representative how much time taken for the approval process and if approved how long it would take to get a book policy for further revisions

10.Tanya kaedah2 or make demands by cara2 original prosidur. Perhaps a good representative will do everything for you (you only need to sign it), but you still also need to know the demands sekurang2nya you know what needs to be made if your insurance representative does not help you.


11. Ask a method or process to terminate the insurance by the right way and how much time is taken to end the policy.

»»  READMORE...

Tip Health Insurance Scheme in Malaysia

Tip Health Insurance Scheme in Malaysia



Police insurance does not cover infectious diseases - PIAM

JAKARTA August 21 - Union Insurans Am Malaysia (PIAM) explained that the insurance policy and Surgical Hospital (HSI) did not include infectious diseases, including swine flu, or influenza A (H1N1).

PIAM executive director, said Lim CF, HSI digubal to cover the cost of private health care such as in hospitals and health care services if someone is facing a chronic illness or are involved in an accident.

Cost''includes hospital room, operating expenses and professional, medical supplies and other facilities.

HSI''Police will also assist the holder of the police if they are not trying to work ekoran illness or injury, "said he in fact here today.

************************************************** ************************
Tip Health Insurance Scheme in Malaysia:
Show Concerns We
By: M. Afnan Khalid

Implementation of the Health Insurance Program by the Malaysian government is said to take effect next year. This is according to a forum that was held to deny it in Siswazah Center, Universiti Malaya on 11 December 2006. The forum urged the government to get feedback from the people before it was announced in parliament. This is supported by the United Perubatan Malaysia (MMA). Implementation is also closely related to the issue of privatization of health services. Certainly there are good and bad. Malaysian government still has not issued an official statement regarding perlaksaannya although requested by several parties (so the article was written - 2006).

What would happen if the system is implemented? Why be concerned?

To answer this question, I include an article issued by the Malaysian National News Pertubuhan (Bernama), the news reads as follows:

Privatization of health care burden of patients have
WASHINGTON: Step menswastakan Malaysian health care system needs to be made after weighing the virtues users who may be victims of insurance companies are not responsible, if he was not controlled.

Researchers from the University of Malaya, Dr Nik Rosnah Wan Abdullah who was here to compare the Malaysian health care system with the United States says the system used in that country can not be used in Malaysia.

"When private health insurance companies carefully managed at the federal level and state of the United States, health insurance is still expensive and not able to subscribe to approximately 45 million from the American people themselves," he said.

Dr Nik Rosnah is an international right felo Institute of Policy Studies, Johns Hopkins University in Baltimore, Maryland, under the Fulbright program. In Malaysia, health care to approximately 900,000 government-funded public staff.

After all, the problem of too many patients in public hospitals, long waiting times and doctor shortages caused many users of the rich and middle class to complete their health care insurance.

"I had to wait a year to get a mammogram exam services, so I paid RM400 to a private hospital for that service on the same day. Unfortunately he was not replaced (by the insurance company).

"The problem is that most private health insurance companies are not controlled, causing many complaints arising users," said Dr Nik Rosnah here, last night. - Bernama

Governor of Bank Negara, Tan Sri Dr Zeti Akhtar Aziz, before it gives 20 percent of the complaints about the insurance industry involves health insurance.

"Many insurance companies are deceptive in Malaysia. We have heard about the charges were not explained, many things are not protected and the information provided they are not transparent," he said.

Meanwhile, for the poor who work in the informal sector such as farmers and small traders, they will be allowed to handle their own problems if a family member who fell ill.

"A lot of what we read in newspapers about people who ask for help busy people because it requires contributions to a major operation or treatment of disease," he said. - Bernama
in quotes from broadcast: http://mambau.blogsome.com/2005/06/23/

Please note the statements in this Bernama news:
"Health insurance is expensive and not able to subscribe to approximately 45 million of the American people themselves".

I am very worried, and I also hope my friends worry, if one day we come to a patient who complained the problem, but can not be treated. This is because there is no health insurance policies that protect.

That's what I've deliberately highlighted by the film John Q Denzel Washington's acting. The film was directed to the American people are faced with this issue. In the film, Denzel Washington, as John Q who played a father figure, facing difficulties to perform the transfer operation jangtung for children. This is because the police insurannya no provision to pay for heart surgery, and he did not realize this. The situation became worse because the hospital did not want to do the surgery because it can not Jonh Q. Finally he was forced to threaten the hospitals to ensure their children receive treatment.

Turned to the impression of this issue, as well dalah impression of poor-rich gap that will increasingly apparent. The doctor and the doctor may not be impressed because we are "happy". But we will be impressed if we are also people who "are concerned".

»»  READMORE...

The good news, with health insurance!

Anyone ergo, often Life, SEB, or any other insurance company health insurance contracts covering health care and rehabilitation service pack promotion will be able to enjoy the procedure of East Island, in whole or in part to the company's compensation insurance.

Our loyal visitors will already have come to love the East Island offers a variety of health promotion or the creation of welfare services, such as a mixture of traditional and oriental massages, decontaminating and liekninančios programs, massage bath, aromatherapy bath or KANGAL Fish Spa in Thailand and the master of the whole body Spa The ritual, known as the Eastern natural health resource. But some of these services with the health insurance contract, replaced by an insurance company, but only from time to time after the performance of services and client referrals to the same insurance company.

Now you can entertain the same compensation arrangements become more comfortable and can be accessed by our visitors confirmation of cooperation with existing insurance companies. A valid health insurance card or booklet only need to submit to the administrator and just enjoy the massage or SPA treatments selected for free *.

Our special offer for those with health insurance services to offset the strengthening of - 20% off all 1 hour. duration of the massage!

»»  READMORE...

What kind of people guaranteed by the compulsory health insurance with public funding?

What kind of people guaranteed by the compulsory health insurance with public funding?

Public funds by compulsory health insurance in a group of persons defined in the Law of Health Insurance. Public funds by the compulsory health insurance covering individuals, territorial sickness funds to be included in the insured by compulsory health insurance net, together with a valid identity document and must submit documentation to show that health insurance compulsory, prohibit public funds:

* Those who accepted the law of the Republic of Lithuania set the type of pension or compensation for social assistance - these people at the local hospital to be included in the fund is guaranteed by the compulsory health insurance is not required because the netting data on territorial sickness funds information data schema to the State Social Insurance Fund Board;
* Working age people who have homes listed from the exchange of labor as a willing and able to perform a specific job - the job ieškančiojo certificate;
* Unemployment necessary working age people with state laws of social pension insurance for old state social insurance pension - the State Social Insurance Fund Council issued a statement about the state social pension insurance for the state social insurance old-age pension;
* Women with the procedures established by law granted maternity leave and employment for women during pregnancy, 70 days (after the expiration of 28 weeks of gestation or more) before birth and 56 days after birth - from the health care institution issued a certificate of registration of pregnant women pregnant netting ;
* One of the parents (adoptive parents), grew at children under 8 years old, is also one of the parents (adoptive parents), growing two or more small children and child / children's birth certificates;
* People under 18 years - these people at the local hospital to be included in the funds guaranteed by the compulsory health insurance netting is not required;
* Republic of Lithuania in general education, vocational, higher education and further full-time student and student - student / student certificate of citizenship of the Republic of Lithuania and citizens from these countries and people without citizenship residing permanently in Lithuania, the state EU countries are enrolled in school full time - students Certificate and Higher School Certificate, which states that the person is studying in high school full time, which indicates the study period;
* State support for individuals who receive social benefits - the city (district) municipalities of the Ministry of Social Affairs issued a statement of social benefits;
* One of the parents (adoptive parents), guardian or trustee, the nursing home level of disability (disabled children), or the person who declared unfit for work (before 1 July 2005 to June - Group I invalid) until 24 years , or a person recognized as unfit for work (before 1 July 2005 to June - Group I disability) before 26 years of disease caused by 24 years, or the special needs of people who constantly care (until July 1, 2005 until June -- Full Handicap):
1. one parent at home caring for a disabled child - the child's birth certificate and certificate of disability;
2 one parent caring for a person declared unfit for work for 24 years, or those who declared unfit for work until 26 years from disease caused by 24 years - caring for people with disabilities birth certificate and a certificate stating that the person is declared unfit for work up to 24 years old or under 26 years of disease caused by 24 years;
3 single parent caring for people who continually special needs care - caring for the birth certificate and proof of the need for constant care;
4 wali (guardian), caring for disabled children - caring for children with disabilities certificate, the district (city) Municipal Council (Mayor) decision on the child's guardian (guardian) award;
5 carers, nursing homes people found unfit for work for 24 years, or those who declared unfit for work until 26 years from disease caused by 24 years - the court ruling giving custody and neveiksniam people under the umbrella of personal disability certificate stating that the person is declared unfit for work up until 24 years or 26 years of disease caused by 24 years;
6 carers caring for people who continually special needs care - a decision the court gave custody of documents neveiksniam people and certification needs constant care;
7 trustee, nursing homes people found unfit for work for 24 years, or those who declared unfit for work until 26 years from disease caused by 24 years - a court decision to provide limited welfare veiksniam person or court order to welfare of people who because of their health status can not apply themselves of their rights and perform tasks and disability certificate stating that the person is declared unfit for work up to 24 years old or under 26 years of disease caused by 24 years;
8 carers, caring for people who continually special needs care - a court decision to provide limited welfare veiksniam person or court order for the welfare of people because of their health status can not independently exercise the right and duty, and a certification document the need for continued treatment constantly;
* People, according to the law to recognize people with disabilities - disabilities license;
* People who suffer from dangerous diseases to the public, which includes the Ministry of Health list - private health care institution that issued the certificate of illness / disease;
* Resistance (Resistance) participants - soldiers, volunteers, participants in the struggle for independence; former ghetto and former fascist minors forced to places of detention prisoners, rehabilitation of political prisoners and those who identified with them, refugees and people those who identified with them and those affected by the 1991 January 13 th, or other events to maintain independence and statehood of Lithuania - Lithuanian Genocide and Resistance Research Center released a statement about someone following membership (or one of them) groups;
* People who have contributed to the Chernobyl nuclear power plant accident reconstruction;
* The people in accordance with the laws of war in Afghanistan is a recognized legal status of participants, - the local territorial military office issued a statement about someone following membership (or one of them) groups;
* Before you reach retirement age and who is not insured income of the couple the President - Presidential term of office;
* State-recognized religious communities of priests, clergy training school students and out of the convent novitiate formation vienuolinę immigrants - the people at the local hospital to be included in the fund is guaranteed by the compulsory health insurance is not required because the netting data on territorial sickness funds information data schema Bishop Lithuania 'Conference;
* Accompanied children under the age of foreigners - minors who represented parties must produce evidence of representation;
* Additional and temporary protection in the Republic of Lithuania received by foreigners:
1. those who identified the body of a disease or condition, including the Ministry of Health, approved list - private health care institution issued a certificate stating that the person who found a disease or condition of the body and for temporary residence in Lithuania;
Single parent with 2 small children - kids / children's identity documents, a statement from the country-side or other authorized agencies and members of the family's temporary residence in the Republic of Lithuania;
3 women during pregnancy, 70 days before delivery and 56 days after birth - from the health care institution issued a certificate of registration of pregnant women pregnant women and netting for temporary residence in Lithuania;
4 people who reach the age of the Republic of Lithuania, the retirement age legislation - live temporarily in the Republic of Lithuania;
5 people under 18 years old - live temporarily in Lithuania.

Republic of Lithuania and temporary protection for people who are given temporary residence in Lithuania should be the entry "40 Art UTPĮ. 1 9 P. UTPĮ 40 or Art. 1 10 p.", which states that people who were given the protection of the Republic of Lithuania.

»»  READMORE...

Is health insurance worth?

Waiting for hours thinking,
How much should I charge will be a doctor,
Or will accept cash or checks
And whether to treat us?

During the week I spent in line at the doctor (going into the room 2 weeks ago!) 4 hours - a female doctor - for 2.5 hours, the ENT - 40 minutes on the recorded time.

Well, one person said: why do I need to register for a certain period of the visit and plan your day, if in the end I had to wait all night at the surgeon? These cases occurred clinics' treatment "Rušonu Street 15" Doctor, to whom I went to Briska and L. V. Beltiņa. In addition, the first doctor said that is very good and that women are expected to each visit with a 3-hour, and I neiedeva examined two visits.

Total madness is also one that both my family doctor and the doctor does not serve customers Balta women. This, of course, once again, depends on me, ought to apply to a family doctor, who still meets my requirements, namely - What can trust and work with insurance companies. Of course, when applying to a receiving physician, I always ask him if there was cooperation with the insurance company. Usually the answer is "Dr. Interesējaties in '. But in the settlement of the line for 2.5 hours, there is no power to resist and think about signing elsewhere - time has been spent and there is a desire for constant visits to the doctor led galam.Varbūt attract their customers, knowing that after such a long waiting list, people are willing to everything, just to get a positive result on the same night?

I was really disappointed in our healthcare system, public institutions, ganārstu in private practice, which seems to indicate readiness to take the client a better doctor.

And the key to me comes to mind - or even doctors do not know how to plan your time??

»»  READMORE...