The appearance in the family of a long-awaited baby is not only a great happiness for parents, but also a great responsibility. The first year of life of the baby lays the foundation of his future development, and therefore it is so important to pay special attention to the health of the baby.
All newborns are registered with district pediatricians and undergo patronage surveillance. However, free medicine does not suit all parents: queues, inattentive doctors, inability to get to the right specialist force moms to go to paid clinics. An excellent alternative to commercial medicine is the VMI policy for a newborn.
Insurance for newborns
Voluntary medical insurance programs are designed for children from birth to 17 years. But many firms offer options tailored specifically for babies. The standard policy, as a rule, includes patronage and the provision of services in the clinic. A more expensive package provides round-the-clock support and departure of doctors for a home to the child.
In addition to monthly examinations by the pediatrician, VHI provides planned receptions to specialists, all necessary tests, emergency medical care, pediatric dentistry, massage, and vaccination . In any case, the parents are entitled to determine the volume of medical services provided upon signing the contract.
How to apply for VHI policy for a newborn?
For registration of the policy it is necessary to contact the insurance company, read the programs, select the list of services and the clinic. It is worth noting that the cost of the policy will be influenced by the current state of health of the baby. Even before the signing of the insurance contract, the baby will be examined by the doctor for obvious pathologies.
The insurance company must provide a parent's passport and a birth certificate for the baby. Often, VHI programs for newborns, like for the rest of the family, are made through employers, if such a social guarantee is provided for work at someone's parents.
Is it worth buying VHI?
Many parents doubt whether it is worth buying insurance, whether it will justify its value. Here you can not predict anything in advance, because the insurance for this and there, to come to the rescue in emergency cases. If you are not a supporter of state medicine, do not like to go to polyclinics, sit in lines with a child and experience other "delights", for you, undoubtedly, LCA will be a good option. Moreover, children do not save their health.