At this point, anyone who lives in the former Soviet Union, there is a mandatory medical insurance. This means that, if he has health problems, he may receive treatment in his clinic at the place residence completely free of charge. But what about those who are not satisfied with service in a free clinic: the need to make a preliminary record before admission, persistent queues, the need to wait long reception is not always professional service. In these cases it is necessary to think of voluntary health insurance. When you have firmly decided to purchase such service as medical insurance, should necessarily take into account that the cost of insurance will not be fixed and must be the same for everyone. It depends on several factors: 1. Your age and state of health is of paramount importance. Retirees with a whole bunch of serious chronic illness insurance policy will cost several times more expensive than a young man in his prime. 2. Status of health facilities where you would like to be treated. For the work of doctors with higher qualifications required pay more. 3. Range of services that you will be provided in accordance with the purchased insurance policy. For example, you could save a significant amount, declining services such as causing the doctor to the house, hospitalization, doctor's advice by phone. When you are confident that the service in the regular clinic you can not not work, you can be rest assured about your purse. Purchase of insurance you will certainly pay off off. The bottom line is that when you paid a premium, you will be able to get treatment for an amount that exceeds its sometimes several times. This is understandable, because the cost of services will always be much cheaper than if you buy the same services separately from each other. Also note that if you purchased the service of health insurance, you may lose your right to use it in the following cases: 1. If you scheduled to have caused his injury, caused his physical injuries. 2. You are injured or contracted disease while in a state of alcoholic intoxication or under the influence of drugs. 3. If you become ill as a result of committing any acts transgress the law. Thus, health insurance quite a lot of advantages and disadvantages. But to afford it today, not everyone can. Value of the policy is sufficient road for the average person with a salary below the average. In this case, we can only rely on his employer. Today it has become very popular, where the employer benefits package includes a voluntary health insurance.