What does individual supplementary insurance cover?

German Chancellor Otto von Bismarck was the first person in the nineteenth century to feel the need for health insurance for his people.

As a result, it launched a public access to health services scheme. In this scheme, priority was given to workers who received the lowest wages.

This bold act only showed its effects some time later and persuaded other countries to pursue such a useful plan. Britain, Russia, France and Japan also stepped in to change their health care systems and make these services available to the public by creating programs similar to today’s insurance.

In Iran, the first group to be able to enjoy the benefits of health insurance were teachers, but it was not until the early 1970s that the Universal Health Insurance Law was passed and implemented in Iran.

Since then, most employees and workers have been covered by social security insurance. The insured person was supposed to pay part of the cost of treatment as a deductible and the rest of the cost of treatment was covered by insurance.

Over time, as the cost of living increased, so did the cost of health care. However, the coverage of these costs by social security remained at the same initial level.

As a result, there is no longer much expectation of this insurance for support in times of need, and this is the main concern of those who do not think about tomorrow’s expenses.

A plan to complete another plan

In a situation where our purchasing power is decreasing every day compared to the day before, buying the right insurance is not an additional expense; It is futurism.

Buy supplementary insurance This is the positive step we can take for our health and our future.

This health insurance, Three group, family and individual plans It is possible that, considering the circumstances, we can buy a plan that is suitable for us.

The point that should not be overlooked is that the prerequisite for purchasing supplementary insurance is to have basic health insurance such as social security insurance.

In the plan Supplementary group insurance (Which is generally used by units with a large number of employees); The workshop code of all insured must be the same.

In the plan Supplementary family insuranceThe requirement for basic health insurance, such as social security, is still in place, but it is no longer necessary for everyone to have the same workshop code. This scheme is usually used by companies with less than 100 employees.

The good thing is that the design Individual supplementary insurance It is for those who have no basic health insurance but want to provide supplementary insurance for themselves.

In other words, in individual supplementary insurance, individuals are covered by insurance independently and on their own initiative.

The cost and amount of coverage also depends on the individual’s choice. That is, according to the type of plan and obligations that the insurance company has; Its premium also varies.

If we go to medical centers with supplementary individual insurance; We can pay for treatment according to government tariffs.

Saman Supplementary Insurance It is one of the insurances that has provided individual insurance coverage. We will not have to pay any fees, even as a deductible, if we have basic health insurance and supplement Saman insurance.

But if we do not have basic health insurance and we have bought Saman individual supplementary insurance, we have to pay only 10% of the total amount of treatment costs.

Among the various plans of Saman individual insurance Breeze design It has the lowest premium payment and at the same time its coverage is more limited. If we want to buy a design with significant coverage, we can from Opal design Use Saman individual supplementary insurance.

Costs associated with birth defects and cosmetic and sterilization surgeries are among the exceptions and are not covered by any supplementary insurance.

It is better to study all the details of the covered items before buying individual supplement insurance so that we have an informed and satisfied purchase.