With medical costs rising, everyone needs health insurance or medical service insurance, this insurance allows you to use hospital services, pharmacies, laboratories and paraclinical services of the contracting party, but you must meet certain conditions to use it. have.
What is Health Insurance?
In 2013, health insurance was provided to reduce the cost of treatment for the disabled people in the society to provide full coverage to the uninsured without paying insurance premiums. This insurance is funded by public subsidies and can cover up to 70% of hospitalization and treatment costs in government hospitals. Of course, keep in mind that in order to use the services of this insurance, you must not be covered by another insurance, including health care insurance, social security insurance, or the relief committee.
Know the types of health insurance
Depending on the conditions of different sections of the society, health insurance is offered in different types to cover all people. The types of health insurance include:
Public Health Insurance
Under certain conditions, people can benefit from public health insurance for free and cover all medical services. Of course, to apply for this insurance, it is necessary to have the following conditions:
- فرد تحت پوشش هیچ بیمه دیگری نباشد؛
- حقوق فرد حداقل ۴۰ درصد کمتر از حقوق تصویب شده در یک سال باشد.
In order for the health insurance service centers to be sure of these conditions, before issuing the insurance policy, they evaluate the rights of individuals and if their conditions are approved, the insurance policy will be issued free of charge. Otherwise, a person must pay a specific fee to benefit from the coverage of this insurance. People can get this insurance as a family, but if other family members are covered by other insurances, it is also possible to get it individually (of course, for people who have reached the legal age).
For certain diseases, except cancer, people can receive all medical services for free. Of course, in order to use the services of this insurance, it is no longer possible to benefit from the coverage of private organizations or to receive a booklet, and only if a person has left the coverage of private organizations, he can apply for an insurance policy. With the help of health insurance, you will not need a referral system and you can visit a specialist whenever you want.
Rural Health Insurance
Rural health insurance provides health insurance coverage for people who live in cities and rural areas with a population of less than 20,000 people. Of course, rural health insurance is also a subset of public insurance and is provided to people free of charge. According to this insurance policy, all medical expenses of people will be fully covered and the insurance costs are also free. Of course, these medical services are provided only in government centers. It is interesting to know that 68% of people who are covered by health insurance are rural people.
Government Employees Insurance
Some government employees are not covered by other health insurances or social security organizations, but are covered by government employees' health insurance. These people make up 16% of health insurance users. Government employees can cover their spouses and children (boys up to 22 years old and 25 years old if continuing education and female children until marriage or employment). Of course, in order to cover the children, it is necessary to submit the documents of each one and pay the insurance premium.
Special patient insurance
A group of people who are covered by medical insurance and suffer from incurable diseases such as hemophilia, dialysis, thalassemia, MS or kidney transplant can use the coverage of special patients. Since these patients incur high costs and their illness will continue until the end of their lives, they are eligible to receive government aid for the treatment of certain diseases.
In general
Health is one of the most important priorities of individuals and families, and health insurance or medical service insurance provides a way for all sections of the society, regardless of their livelihood and job. have the possibility to benefit from the most complete medical services. With the help of this insurance and its comprehensive coverage, different occupational groups can benefit from most medical services, including hospitalization, laboratory services, receiving medicine, etc.
