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??

Compulsory health insurance

Compulsory health insurance


Current Health Minister Baiba Rozentāle some media have made a statement that the health care needs more funding than the year 2009. annual budget. How, for example, "Universities and hospitals greater regional emergency health care provision that may be even just about two months, after which only the bankrupt hospital. Therefore, the budget allocated to the urgent need for the hospital at least 45 million. Ls. . '

All sectors of the budget is now reduced. This means that if health will not be able to balance the budget in the expenditure of income, then the 45 mln Ls would have to bear the other lines, such as retired teachers, police officers' salaries. Still increase revenues by increasing tax rates to get people to extend or create new taxes. This course is very unpopular move. Of the many reasons why not lift the tax burden, I want to emphasize that the difference between it and who pays taxes and who does not pay, it becomes more and turn to honest taxpayers in mind, the shadow economic benefits. I want to redistribute health care costs from the budget allocated. In contrast, a linear decrease in the current funding will be enough. I believe that the need for real reform. And in my head, as a logical solution for nearly all health care is nedienām - statutory health insurance (ova).

This idea is not new or unique, but still not implemented. Pamaklēju online by the idea that knowledgeable people say:

* Indulis Emsis (ZZS) - against, because it will only return for insurance;
* Valdis Keris (Latvian Medical Association vice-president) - to, as a proportion of private health insurance is not enough;
* Ivars Eglitis (TP) - for people who work and save for time spent ill, although he later changed his mind.
* Valdis Zatlers (National President) - to, as it will allow doctors to increase wages and reduce the proportion pateicābu;
* Baiba Rozentāle (TP) - to, as the number of insurance will be deducted from the wages;
* Jelena Alfejeva (BTA Vice President) - for, if it has improved in parallel, the existing system;
* Eric Gailāns (RSC Chairman of the Board) - for, workers take care of themselves, of other countries;
* There are several opinions about the fact that the health ministry to prepare a project or that have not been calculated. As a result, ova šobrīt introduced.

Of course all these views tend to reduce the significance, saying this is that populism or point of view, the author talked about personal interests, but the real model and calculation, which eliminates speculation about the topic, no. I think the point of view, the author did not become the minister of health, but health agencies. Namely health care is health care for residents of Latvia.

Why do I feel that the ovum will be exactly the model that can solve problems samilzušās health care, and improve the economy and health of the population?

1) Personal Experience - Since my employer, I have nopirics health insurance, I no longer neuztrucos for medical procedures. Of course, I followed him, did not exceed the limits, such as vaccination against tick-borne encephalitis is provided only once a year. But all other tests and my health insurance. I like it because I went to every specialist, if necessary, and not worry about the cost. Knowing that this insurance is paid four times more expensive than manīm is VSAOI paid monthly, will think that the year 1200Ls insurance should cover all, and for all.

2) Competition - insurance companies will compete with each other, offering the best prices and / or quality. Medical institutions that provide more of these services is the number of larger claims, the medical authorities to ieintereseātas treated and to choose their service directly.

3) Thanksgiving. Now, as a rule there, providing medical services they pay for in addition to gratitude, because it is believed that medical staff are not paid enough. Gratitude must be expressed and they have to pay taxes, but practical. Medical authorities have set their own prices and jānoalgo relevant specialist. The insured knew that the services received will be paid.

4) Speculation.

* While the current increase in the amount of tax revenue. So far, the state is to provide health care and it was done with the money collected in taxes. Why, if this money to help manage the insurance was suddenly not enough?
* Corruption. Is the situation in which public authorities regulate the flow of funds, not the real market is less risk of corruption?
* Insurers would return. Is that bad? Is the economy will not be warm? VOAVA direct salary will not be bound by the institutions that benefit the public authority has long followed the procedure to minimize the threat of corruption, and operates in accordance with politskajai position with the state to deploy resources more efficiently than private insurance?
* Insurance covers only capable. The basic insurance program should be guaranteed for all citizens. There are several ways to do it. You can identify the insurance from a particular obligation to ensure% of people who do not work. Or maybe not working with government guarantees in the main program, each of the selected insurance companies. In short, the following applies: the higher the salary, the better your insurance policy. But the insurance money collected in taxes for those who are not able to do so.

5) Envelope wages. Part of the social tax to be paid by insurance. These workers and employers wanting to understand. When an employer pays 24.09% of the social obligations, he saw this part of the tax return and possibly even parallel to ensure workers. Can be concluded that the interests of social payments increased.

6) GDP. If people regularly check the health, treatment costs and duration must be smaller. In turn creates a higher GDP are more healthy.

7) OE.

* Currently, the State pays for medical education, but that amount (this year: higher education milj.Ls 14.7; 5.9 million. Ls-service training) could be reduced partially transferred to private clinics and doctors appeared wallet. This is to ensure that medical education would benefit from investing in their future and those who choose to learn, not just those who have good grades, but also those who regard it as a professional perspective. And clinics would be interested in their personal literacy, if it can attract more of patients.
* Promotion of public health (8.3 million this year. Ls). Who else can better improve public health, and the opportunity to attend the annual health examination, sports activities and obtain the necessary vaccines for free? Part of this amount should be transferred to the insurance.
* Health care (503 million this year. L) - the percentage of the amount of space for the medical authorities will reach through insurance, which supports medical facilities of the most busy. National health expenditures 223, 11 L / year per capita. Is the money already nesanāktu good insurance policy? But that's not all.
* Health public funding agencies (24.6 million this year. Ls). How to privatize - 'Tuberculosis and lung disease state agency, state agency "Latvian Infectology Center" and "Sports medicine in the country aģetūru" and to move into the insurance fees required. Body above, now the company can get the same amount through their services. There is no way that someone could negribēt to privatization, but because there are currently hiring.
* E-health guidelines for implementation (0.47 million this year. Ls); Program funding has not changed, but must be improved to ensure communication between medical institutions and insurance. Today, e-health is such that I have every medical facility has a card, and medical history I knew no one - including my own.
* Quality Compliance and economic evaluation, market supervision (18.5 million this year. Ls). Kvaitātes and economic assessment contribute to the increased competition. In other words, the proportion of this amount is allowed to drain to the insurance provider.
* Russian Federation, a military retiree health care (3.5 million. Ls). Not to mention that this number tends to increase, which, in my opinion, would not say directly about social groups are. Following one of the numbers 2006 on the note that the retiree is 18 thousand. Relatives ~ 196 Ls uz vienu pensionāru, par summu so varētu viņiem apmaksāt veselības apdrošināšanu. Although it is clear that today the number of retirees like that higher, but I have not found the data.

Finally. All my thoughts of course are not made by a health care professional from an experienced expert opinion. However, I have been happy to see what the doctors saw the fact that you have insurance, and how they react, if it is paid by government manipulation. Although there are people who feel that they are healthy as a horse and hope that they are insured - the existing system today and because it was taken from healthy and sick pay. Only much more effective to help implement competitive conditions. Considering how old this idea jāuzkata negligence was not ready for a real plan, and should introduce a system like this. Those who fight ova, inefficient support functions, perhaps by self-interest or peer pressure.

Health insurance law

Hesitated to health insurance law?

Many will doubt-come health insurance law, including
health insurance law

health insurance law

is associated with its illegitimate or not if we want to register this health insurance. This is reasonable because so much information maze diluaran wrote there about the health insurance law.

Some things about the health insurance law is my review of insurance law pages on this blog. This page only in addition yg because many want to know more about health insurance laws.

Flexible Health Insurance Law

Summary of health insurance law by Ahmad Sarwat, Lc

In short, should you choose health insurance using sharia system. Because safe from usury and prohibited transactions.

This is true as long as you have the power or authority to choose. But if you are in a position that had no choice but to accept assistance from conventional insurance passively, then the law must remain flexible.

For example, when we bought plane tickets, are automatically on the ticket price includes the cost of insurance. And the health insurance law is certainly not a permissible Islamic insurance, but the ruling conventional insurance unlawful said by many scholars. But since you have no other choice except indirectly become 'participants' conventional insurance, the law should not forbid us to fly.


Health insurance law that sharia halal

source: prudential.com

Bother to think about whether the health insurance law that contains elements of unlawful practice or not, should we choose only the insurance companies actually claim to have used the Islamic system.

Islamic system of insurance is in essence a fundamental difference with the conventional, among others:

1. Principles of sharia insurance covenant is takafuli (mutual assistance). Where the customer is one who helps another customer who was having trouble. Whereas conventional insurance covenant is tadabuli (the sale of the company's customers).
2. Funds collected from insurance company customers sharia (premium) are invested with a system based on sharia for the results (mudaraba). While in conventional insurance, investment funds in any sector with interest system.
3. Premiums collected still treated as customer property fund. Company only as a holder of trust to manage it. While in conventional insurance, the premiums become the property of the company and the company who has full authority to establish the fund management policies.
4. If there is disaster-affected participants, customer claims for payment of funds taken from accounts tabarru (social funds) all participants who had diikhlaskan for the purposes of mutual help. While in conventional insurance, the claim payment funds taken from the company's accounts.
5. Investment profits divided among the customers as the owner of a company funds as managers, with the principle of results. While in conventional insurance, full benefits company belongs. If there is no claim, customers do not get anything.
6. The existence of Sharia Supervisory Board in Islamic insurance company which is a must. This Council role in overseeing the management, products and investment policies so always in line with Islamic law. As in conventional insurance, then it does not get attention.

Hopefully this explanation useful for you

Looking for Health Insurance

Remembering health insurance, recalled an episode of The Simpson's, titled Last Exit to Springfield. Terceritakan Homer Simpson becomes president of the Union, fighting for health insurance in the company, to Liza Simpson who were required to wear braces. Oh, well, generally a good company to ensure the health of employees, employee family follows. For the lecturer like me, where the University where I serve does not provide an optimal level of health protection; of course I had to find their own protection.

Actually this problem has long thought, but it feels like a low priority. Not put on was certainly healthy, but because of lack of knowledge about this health insurance. Dibandikan with life insurance, education, and retirement; where the location of health insurance? It was all important and it's a lot of which should be set aside if we want to plan these things. And we are just four, two adults and two children.

Well it turns out, ga ya nice job where there is no guarantee this. There is no health insurance, no pension. Just imagine, when a family member who is ill and hospitalized, all the rupiah should be collected to pay for treatment. Boro-boro for aesthetic purposes such as braces Liza Simpson. Kalo is this, working in Indonesia (oops, meant to work in where I work) tasted worse than working in the place of his Burn Mr. Homer Simpson:).

Yeah. One of who?

These months, my mother should be hospitalized. It turned out to spend tens of millions of dollars as well. Phew. Alhamdulillah, all dollars are deployed and managed to get through a difficult mother. This makes me more confident to immediately protect themselves, both in healthy lifestyles and health protection. Determination was made, did not want to make a difficult child at my age when merenta later.

Unfortunately, the more read about the insurance, the more confused to decide: D. It turned out that the insurance product variety, yes, even health insurance. Is this actuarial science? Meni lieurrrr: D. Some health insurance offers pure, mixed with some offering investment / unit-linked. Pure health insurance is the term 'burn' if no claim. A product sales explained that the products 'return 20% if no claim'. Worthy ga sih? : D

Insurance plus the investment we made to invest. According to Safir Senduk [hoho] scale of priorities is to pay debt, fund operations, saving, investment last. Conclusion, if you are still a lot of debt, what might have been able to invest? Then, the various investment, stocks, bonds, money market blah blah blah. Wow, very interesting. Who likes ga with numbers rupiah. If talk of money, all would be her Mr. Crabb Sponge-bob: I love money!!

But back to his needs, health insurance. I look commonlife, formerly of Astra, with BrightPlannya products. On the site there was no explanation of anything, but I was given a direct illustration. I keep in here. Not been decided, still a comparative study and still feels eungap finance.

Yeah.

To do well?

health insurance group

Fulmedicare (Health Insurance Group / Collection)

Health Insurance Program is to provide health care benefits for participants who experienced pain because of the risk of illness or accident.

Privileges FulMedicare

1. Inpatient services at Hospital Partners (Provider)
2. Rapid Claims Payment
3. There is no limit hospital care costs
4. Existing disease guaranteed
5. For the results at the end of the period of membership
6. Provide protection for 24 hours a day

Benefits / Guarantee

* Program Inpatient and Surgical
o Room and stay in hospital
o Intensive Care Unit (ICU)
o Cost of Hospital Care Aneka
o Cost of Surgery
o Cost of Surgery Room
o Cost of Anesthesia
o visit the doctor at the hospital (only non-surgical treatments)
o Consultation specialists in hospitals
o Treatment before and after treatment in hospital
o Cost of ambulance
Emergency Dental Care o accident
o Emergency Care
o Death Benefit
o Operating without hospitalization
* Program Inpatient and Surgical
o Consultations with General Practitioners
o Consultation with the Medical Specialist
o Drugs
o Support Diagnostic
o Consultations with General Practitioners and Medicinal
o Physiotherapy
* Dental Care Program
o Consulting / Services Action Dentists
o Drugs
o Support Diagnostic
o Medical Action: Remove, Tambal, root canal treatment, gum treatment, dental care now, surgery, replacement dentures.
* Labor Program
o Normal Childbirth
o Confinement in Operation
o Miscarriage
* Glasses
o Lens
o Frame / Frame

Participation Conditions

1. Permanent employees and or their family (wife / husband and children Employee)
2. At the age of applicants registered at least 15 days and a maximum of 55 years
3. At the time of registration is not currently undergoing inpatient at any hospital

Reduction Participants

Participants who have left can not be replaced by new participants and no return of premium (premium refund), unless the participants had never used the benefits and has not exceeded the limit of his contract.

Addition of New Participant

The addition of new participants at the ongoing coverage period is only permitted for new employees and their families. The addition of new participants from the participants who have registered, then the election must not exceed the package from the package of labor regulations.

Claims Procedure

1. Any claims submitted will be completed no later than 14 (fourteen) working days from the date of receipt of a complete claim file by the claims of PT Asuransi Takaful Keluarga
2. Claims submitted later than 1 (one) month after the date of hospitalization
3. Claims filed must be attached:
* Claim Forms
* Resume of medical doctors
* The account number of participants (for ease of payment of claims)
* Receipt and recapitulation of the original maintenance costs and details
* A letter from the hospital of birth known
* Description of the cause of the crash of an authorized institution (a special case of traffic accidents)

Large national health insurance tax benefits of a tax increase on the Japanese population

Health insurance has a notice of the long-term care insurance premiums. Surprised to see insurance premiums. About the last year the premium is doubled. The increase in health insurance premiums and taxes but I can Iwanai, equal to the tax increase because they have an obligation to pay health insurance coverage.
Insurance premiums are calculated and what you read, has a per capita basis and the total number of tax income for the year. Tax multiplied by the percentage of the population in other words. A mechanism to automatically increase the premium if the estate tax is higher.
Great story residential tax increase on June 13 I write this column, so take a minute to increase premiums, but from the people, but he is a double tax.
The best health insurance premium rate is 53 million yen. The highest amount of income people are often in less than 53 million yen. Premiums for high-income and not alter the previous year. High income clearly beneficial.
Notice of income tax on low-income 700 million yen or less and no mitigation measures radical change. But there is no description of the premium reduction. I asked the ward office. What are the steps of radical change mitigation. Respondents from the original income tax cut of $ 5 million yen in the last year for the reduced premium rate of 1.24 percent 1.82 percent, he said. My insurance even if mitigation measures are doubled from the previous year. Not applicable because the plateau at the edge of the ceiling premium.
Which impose a tax and insurance premium taxes and what is asked, in confusion and district office personnel, "to calculate the premium tax is certainly one of the people. Direction is calculated from the amount of income I have heard that I continue to consider" poll. Bullying has no choice but to contact the district office, have never heard of such a review.
Is transfer of funds to local governments, but the result of reforms that they regulate事Kirei or regional fiscal autonomy. Local residents is higher taxes, not only to impose a higher premium to the public. The burden of health insurance last year was 3 percent. Premiums have doubled this year. Chi打Nerai big tax increase on low-income families. When inflation is happening in Dari, which is not only die younger retirees.

health insurance fraud in Osaka

officials arrested in Osaka
Following the city of Osaka blurred by the foundation facilities we say, "Asuka Committee accused President Kunihiko Konishi (72) (indicted on charges of embezzlement) in collusion with the Osaka City Employees, said the gang's former boss has been obtained illegally as a health insurance card, the Police Prefecture Osaka was investigated 19, and Hisashi Tate Asuka Konishi Cultural Center for Human Rights (City of director-level officials) of Mr. Kazutoshi Irie (59) (Minoo City, Osaka ruyi Valley) was arrested on suspicion of fraud.

Konishi was arrested three times in the second incident was the arrest of city employee development.

According to police, suspects and defendants of conspiracy Hashi Irie Konishi, according to former boss Yamaguchi-gumi crime syndicate (70), parliamentary secretary to the man (80), wife of the defendant Konishi (53) 3 organization Dowa people "Asuka Human Rights Association, "but there is no employment relationship, and in September 2003, the Association employs three people, the social insurance office Yodogawa four dependents dependents health insurance records for people lie (Osaka) submitted. And update the government's health insurance, in January next year, three former gang boss who insured, a family of four people as dependents, health insurance card charges of stealing a total of seven pieces each.