Заключение договора медицинского страхования ответственности
Качество оказываемых во многих районных поликлиниках медицинских услуг нередко оставляет желать лучшего.
Это касается не только работы терапевтов, хирургов и других специалистов общей практики, но и врачей узкой направленности. Поэтому от врачебной ошибки не застрахован ни один пациент, к какой бы социальной группе он не принадлежал. Однако существует надежное средство раз и навсегда обезопасить себя от негативных последствий врачебных промахов. Заключив договор медицинского страхования ответственности, любой человек может быть уверен: в случае непредвиденного развития событий он получит солидную денежную компенсацию.
Застраховав таким образом свое здоровье, пациент вправе рассчитывать не только на возмещение морального и материального вреда, но и на консультационную помощь адвокатов, специалистов экспертной комиссии. Она создается в обязательном порядке в случае нанесения серьезного ущерба здоровью. При желании в договор можно включить пункт и о последующем санаторно-курортном лечении или назначении пенсии в случае потери трудоспособности.
Но перед тем как ДМС страхование купить, следует оговорить и множество других нюансов. К примеру, размеры ежемесячных выплат по данному договору. Они будут определяться исходя из выбранной клиентом программы. Она, в свою очередь, может включать самый разнообразный перечень услуг. Среди них – амбулаторное и стационарное лечение, право ежемесячного вызова врача на дом, широкий комплекс диагностических исследований. Также заключившему договор пациенту могут быть доступны различные виды массажа, занятия лечебной физкультурой, набирающая все большую популярность услуга «семейный доктор». Само собой разумеется, этот список может быть дополнен и комплексной системой компенсаций врачебных ошибок.
К слову, воспользоваться услугами страховых компаний могут не только физические, но и юридические лица. ДМС цена для юрлиц всегда формируется индивидуально, с учетом предъявляемых требований и количества человек, включенных в договор. Помимо этого, она может быть оптимизирована за счет исключения или, наоборот, добавления тех или иных медико-консультационных услуг. Так, нижняя ценовая планка для подобного договора может начинаться примерно от 10 тысяч рублей. В этом случае в пакет предоставляемых услуг будут входить только лишь амбулаторные процедуры.
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