CMC Healthcare insurance is provided for staff having more than a year of experience at CMC. However, actually not 100% of staff owning the insurance know how to use that effectively.
In November, a periodic health examination program was organized for the staff. Yet, there were only 242 employees using CMC care, accounting for 13% of total 1847 ones owning that. The average indemnity cost was 2.200.000d/ individual. The fact that staff have not been sure about health examination process, provided documents, which diseases are included in the insurance and the way to be indemnified by the insurance has negative impacts on their rights. How to use CMC Healthcare insurance effectively? Let see some following useful tips.
1.Not paid on non-pathological examinations.
CMC healthcare insurance package does not include non-pathological examinations. Users sholuld go to the doctor when there are disease symptoms. Health documents must clearly express disease symptoms and the health assessment conclusion.
2. CMC Healthcare insurance pays the maximum benefit level for each visit
For each paid item, CMC Healthcare has an exact quota and only pays the maximum benefit. If there is an over-quota cost, the staff will by own cover the cost. Staff should get information on the quota and choose the most suitable hospitals.
3. Unnecessary tests are not paid despite the doctors’ recommendation.
It must be known that there will be neccessary tests doctors recommend. However, there will be also unnecessary ones. Thus patients should check the tests which are vital to diagnosis.
4. The insurance only pay for prescription, not for consultation
The insurance do not pay for supplements and non-pharmaceutical products. The patients should be advised about medical products listed on the prescription. Medicine is listed on the prescription, while supplements are on the consultation application.
5. CMC Healthcare insurance only pays dentalcare cost of several guaranteed dental clinics
Dental treatment at non-guaranteed dental clinics are not be paid, applied in Hanoi and Ho Chi Minh City. Staff can choose dental care services at hospitals or guaranteed clinics of Bao Viet
Let save these tips for optimal use of CMC Healthcare insurance.