Asuransi Kesehatan Terbaik Dan Murah

Asuransi Kesehatan Terbaik Dan Murah Bao hiem y te la bao hiem bao gom toan bo hoac mot phan nguy co cua mot nguoi phai tra chi phi y te, lay lan nguy co doi voi mot so luong lon nguoi. Bong cach uoc tinh tong the rui ro cua chi phi cham soc suc khoe va cac khoan chi cho he thong y te trong nhom rui ro, mot cong ty bao hiem co the phat trien mot cau truc tai chinh thong thuong, chẳng han nhu mot khoan phi hang thang hoac thue bien che, de cung cap tien de chi tra cac khoan tro cap cham soc suc khoe quy dinh trong bao hiem Thoa thuan. Loi ich duoc quan ly boi mot to chuc trung tam nhu co quan chinh phu, doanh nghiep tu nhan, hoac to chuc phi loi nhuan. Theo Hiep hoi Bao hiem Y te Hoa Ky, bao hiem y te duoc dinh nghia la "bao hiem cung cap cho viec thanh toan cac khoan tro cap do benh tat hoac thuong tich, bao gom bao hiem cho nhung thiet hai do tai nan, chi phi y te, tan tat, tu vong va mat tinh than" (Trang 225). Chinh sach bao hiem y te la hop dong giua nha cung cap dich vu bao hiem (vi du nhu cong ty bao hiem hoac chinh phu) va ca nhan hoac nha tai tro cua ho (vi du nhu mot nha tuyen dung hoac mot to chuc cong dong). Hop dong co the duoc gia han (vi du hang nam, hang thang) hoac suot doi trong truong hop bao hiem tu nhan hoac bat buoc doi voi tat ca cong dan trong truong hop ke hoach quoc gia. Asuransi Kesehatan Terbaik Dan Murah

Asuransi Kesehatan Terbaik Dan Murah Loai va so tien chi phi cham soc suc khoe se duoc bao hiem y te chi tra bong van ban, trong hop dong thanh vien hoac "Bong chung Bao hiem" danh cho bao hiem tu nhan hoac trong chinh sach y te quoc gia ve bao hiem cong. Chinh sach bao hiem y te la (Hoa Ky cu the) duoc cung cap boi mot ke hoach ERISA tu tai tro boi nha tuyen dung. Cong ty thuong quang cao rong ho co mot trong nhung cong ty bao hiem lon. Tuy nhien, trong truong hop cua ERISA, cong ty bao hiem "khong tham gia vao hanh dong bao hiem", ho chi quan ly no. Do do, cac ke hoach cua ERISA khong phai tuan theo luat phap cua tieu bang. Cac ke hoach cua ERISA duoc dieu chinh boi luat lien bang thuoc tham quyen cua Bo Lao dong Hoa Ky (USDOL). Cac loi ich cu the hoac chi tiet bao hiem duoc tim thay trong Ban mo ta so luoc (SPD). Khang cao phai thong qua cong ty bao hiem, sau do la Ke Hoach uy thac cua Chu dau tu. Neu van duoc yeu cau, quyet dinh cua Ủy quyen cua Nguoi uy thac co the duoc dua cho USDOL de xem xet tuan thu ERISA va sau do nop don tai toa an lien bang. Asuransi Kesehatan Terbaik Dan Murah


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