TNBiz (TNBiz)
Personal finance  |  January 28, 2013 06:03:49

FINANCIAL ADVISOR: In health care is your money! Take it back!

Wring insurance

All people do not realize the benefits they can derive from your health insurance company. Obese people have the right to reduce operative stomach. Girls between 13 and 14 years are free vaccination against cervical cancer. Elderly and chronically ill people get free flu vaccination again. The child who is chronically ill or allergic, medical insurance reimburses stay at sea. Inform the offers just what benefits your insurance company.

Head to the spa for free

If you would pay at a spa diet, or you will have everything "all inclusive", depends on whether you are approved or funded comprehensive care. In the first case, the insurance company pays in addition to treatment as well as food and accommodation. In the second case, the food and accommodation for you, the insurance company will reimburse only treatment. So do not be afraid and try to apply the treatment.

The hospital free

If your medical condition is so serious that you can not haul in a normal hospital, the hospital can pay the way. Every visit to the hospital, you must have confirmed and then send the form of health insurance. Per mile you get 5 crowns, but be careful - it counts only up to the nearest hospital where you can be adequately treated.

Reimburse the amounts paid

Although you have to pay the price for drugs and pay regulatory fees, but not so bad it is not. If you spend more than five thousand per year (people under 18 and over 65 2500), the health insurance company will return the amount by which you have exceeded this limit. But it has a catch! The insurance company will only suffers the amount that is the cheapest drug on the market with the same active ingredients. Your payment can be considerably much higher.Watch therefore, the physician on a prescription marked that the drug can not be replaced.

Regulatory fees are not for everyone

Regulatory fees may not apply to people in material need to have the appropriate certificate. The hook are also those who live in nursing homes or hospitals and when to pay for food and lodging, they must 800 crowns. At the same time charges may apply, or in patients who are referred by or are in quarantine.

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FINANČNÍ RÁDCE: Ve zdravotnictví leží vaše peníze! Vemte si je zpět!

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