Medical care

Infected human disease, unfortunately, also in Germany. But Stay in case of illness You are aware that in Germany is more than enough doctors. Two types of doctors: "specialist doctor" and "a disease." You can consult your friends and relatives in order to verify the appropriate doctor for you. The question of course a matter of choice of doctor, choice of auto mechanic is entirely appropriate. The time required to find the best. Manual mobile professional, "Yellow Pages" (Gelbe Seiten) you will find information on doctors in all disciplines. Diseases "selfish" in nature, it comes when it pleases. You should, if possible, the recording of yourself in the early to the doctor of your choice. But the best you can do is to publicize the visit to the doctor by telephone before the visit day. Possible to visit all the "medical illness" almost without setting a date prior to them.

(And costs) hours

(If you are in possession of an insurance policy, privacy, you bear the costs of beginning your own doctor. The insurance company then you return the rental price of medicines and the doctor). Diseases affecting humans, unfortunately, also outside the scope of the duty hours of medical clinics. There in the holidays, the end of week, holidays and night services to medical emergencies. Information about the doctor on duty in these cases found in the daily newspapers. This also applies to the "emergency service for pharmacies." You can also call the doctor next to you, and there are responding to notify you of the telephone address of the doctor on duty in case of emergency. Pharmacies closed you learn in these situations, entitled "Pharmaceutical rotation in cases of emergency" by the commentator on the display window or on billboards.

Hospitals

Hospital treatment is not cheap. In order to deal with inside the hospital the patient should pay the additional amount imposed by law, the amount of nine euros per day. However, these additional charges specific to four to ten days a year maximum. Who was able to take its own decision to enter the hospital or not, it is advisable to speak on this matter with the insurance company of its own. Given the costs and formalities, it can be easier to visit a hospital in the country of origin. If, however, had to keep things moving quickly, you can contact the doctor on duty in the emergency telephone number 112, a conversation can take place free from any public telephone.

How can I do to insurance procedures?

It is natural that one can in Germany, insurance on everything. But there are sectors where insurance is mandatory.

Health Insurance

Must both work to have health insurance. Can be attached or husbands of wives who do not work as well as children of the insured person would have one of the partners. And submitted to the European Union citizens who stay ranging from six months to sixty months, held a special type of insurance. It is worth less that the advantages of a quarter to three quarters of the normal value. Some owners may find some grants to the appropriate health insurance. The inquiry has always been useful.

Pension insurance and unemployment insurance

You do not do these types of insurance for yourself, both your income Ihsman automatically. But it is not without some complexity here, if the amounts paid in Germany and then moved to live in another country you can get there on the pension. This applies of course to the European Union countries or the country of Germany signed a contract with the Social Insurance.



Accident insurance

Provide the profession with Berufsgenossenschaft insured against accidents that happen in the workplace. Financial contributions for this insurance directly by the employer. The simplest thing is for children. Nursery school children or insured against accidents automatically.

Health insurance .. Relations unknown

Saudi citizens are heading for the application of the health insurance system, which limited the role of the Ministry of Health on the regulation and supervision and control, while the functions entrusted to the care and treatment of medical centers to ensure the medical insurance companies .. Citizens will find themselves facing a new reality do not know much about the details and characteristics do not know what to give up the Ministry of Health responsible for treatment and assigned to the profitability of companies? .. Many fear the future (unknown) In spite of the poor and the weak potential of telemedicine in many government hospitals at the present time, however, to assure that citizens receive the necessary treatment, as available, without regard to income or the value paid. In case it is coming under the influence of circumstances unknown to him relations between insurance companies and medical centers that have contracted with them to provide a service to those who Bualesa. Citizens do not know much about the insurance system, which would apply in the limits of responsibility of insurance companies and their commitment to them, and this question: from a simple guarantee of the citizen to receive the treatment required by his full!, Is it possible for these companies to "boil down" the required treatment in order to provide some of what you'll pay telemedicine centers! .. What are the limits of treatment contained in the consolidated bill of health insurance? Do you stand at the treatment of simple cases or cover anything that could be subjected to rights (without dying)?.
Even the information that is available to answer these questions and others point out that there is information in the form of (rumors) and in some media and some are interested in (s) that the next phase of the citizens with good news, however, because it will leave them at the mercy of companies interested only in profit and reduce expenditure, but infrastructure necessary to implement the health insurance system has not been completed because they need a lot of trained manpower (doctors - the nurses - the work of assistance) and the requirements of the facilities so as to take such a step .. According to some information (unconfirmed) that the system will be applied does not include those over the age of sixty years at a time when the insurance companies to evade the current insurance this category. If correct, this (information), this category would face difficulties deserved the attention of the designer of the system and responsible for the application, insurance companies shy away from insurance to this category because it wanted to increase profits, reduce costs, and this limited the majority of its services under the age of sixty, and they, the majority People in Saudi Arabia, which constitutes a majority of young people, if left to the insurance companies (love), it will not be concerned with the welfare of the elderly and they need attention and medication, and it is not logic that is not the responsibility of the Ministry of Health to abandon its responsibilities towards them and leave them at the mercy of the ruthless.
Article VII of the cooperative health system would be applied to Saudi citizens in paragraphs (a) (c) (d) (e) to ensure that the beneficiaries of the cost of medical examination and treatment in clinics, radiology and laboratory tests required by the situation, accommodation and treatment in hospitals, including the delivery and operations and to address the dental and periodontal diseases .. How can people know of these rights? What are the means by which to ensure the commitment of the hospital!. Did the Ministry of Health has the potential of the regulatory control of the implementation can be tailored to the needs of patients in terms of timing and location?. This week, some newspapers published the Health Council to confirm that all applications for approval to conduct examinations and laboratory tests that are sent by hospitals and health centers, insurance companies qualified to take the status of acceptance in the absence of a reply the company in a maximum of 60 minutes .. Said Dr. Abdullah Al-Sharif, secretary general of the Health Insurance Council seeks to provide adequate health services to insured persons while maintaining the interests of insurance companies.
This is pointed out - as if the request is acceptable the company did not respond within an hour - where some of the demand of the beneficiaries of the existing medical insurance regulators from the intervention and the imposition of its existence, including protecting the rights of the parties - the insurance companies and beneficiaries - rather than leaving the party stronger - companies - determine the nature of the relationship and the limits of its obligations and those who provide services in accordance with conventions and trade deals that are subject to the logic of (bargaining), which ends with the hospitals, often to the benefit of the parties - companies and hospitals - without any regard to the rights of the weaker party, the beneficiary. These relations (hidden) between insurance companies and hospitals, where the deals and agreements in isolation from the control, be at the expense of the level of services provided to people, and if the - free - away from the named sergeant and I fear that regular interventions lead to a decrease in the level of medical services which is reflected negatively on the rights, and the country in general.

Before a system of health insurance for all needs to be a national awareness campaign to explain the dimensions and details, and discuss its pros and cons, which takes into account the nature of the society and the environment in which it is applied .. This debate is not necessarily to be in order to discredit the insurance companies operating, or downloaded from some duties in contravention of regulations or restrictions, including the burden and weaken their ability to do its part in achieving that profit is the goal of any business. Objective is the definition of the beneficiaries of their rights to insurance companies and find the reference at the resort .. In this regard, referring to issues dealing with the insurance regulators that the multiplicity and duplication of fees imposed on insurance companies is a burden on the beneficiary's last (people) for example, impose SAMA insurance companies half a percent of the total 0.05% of annual premiums and impose the health insurance fee of one percent 1% of the total medical insurance premium fee in addition to the supervision of rehabilitation and licensing fees and renewal of licenses paid by insurance companies to Monetary Agency and the Council of health insurance, and that these costs will be at the expense of the provision of integrated medical services. Some believe that the (low) value of the insurance policies, which are updated from the insured companies would lead to a decline in medical services provided to them .. This may explain the relationship (hidden) some insurance companies operating in the Saudi market, and some medical centers that accept insurance cards at low prices, and pushed to define (doctors) to the concerned insurance card holders regardless of their congestion, which is reflected on the jurisdiction where the services of a doctor and requirements of diagnostic radiology and critical examination, because the amounts paid by insurance companies, very few of the hospital and therefore keen to ensure that the services provided within the limits of the amount paid. As a result the insured is the victim of this relationship that does not know the hidden dimensions of supervision and there is no point having the ability to see the contracts signed between insurance companies, hospitals and reasonableness and the fulfillment of the formulation of the insured.
I think it deserves discussion topics and the detailed presentation and clarity of all full until the end of the (equivalent) to ensure the implementation of the system less defects and less damage to the rights of that is to be paid in the end, all the results of errors (of unknown relationship) between the companies and regulators or authorities responsible for telemedicine. Conclude, including repeated in the course of these lines that the health insurance system to be applied to the Saudis need to create the environment and the people who apply them, the picture is not clear, the relationship between insurance companies and beneficiaries of services need to be increased until the intervention of the censor to protect the parties.

Health insurance?

Makes no sense to leave the prices of policies to increase year after year without a sergeant sets the standards.
Abdel-Elah Mohammad man
Ictoi at a time when those on low income as a result of higher prices in general and prices of health services and the cost of treatment, in particular, we believe that many of the services of a candidate riding a wave of price rises again in spite of the economic recession that hit most of the world and cast a shadow and its consequences for the Middle East and Gulf, in special .. Have turned a section of the low-income people - refuses to Triv water, on the eve of the government health services - a fugitive from the high cost of treatment in private hospitals appealed seeking refuge at the resolution of the medical insurance companies Will be caught between Scylla and Charybdis? .. This is the worst .. Even Nstqri past these services and the results of the recall that the central bank had set conditions and instructions for insurance companies registered outside the country to update subject to registration in order to assess the local institution has been declared at the end of November 2008 that it had completed its evaluation of a number of companies in the insurance sector in accordance with the recommendations a committee had been formed for this purpose and the number of companies will have authorized up to (15) note that the companies were operating in the insurance market in the country declined from about (500) to the company (35) only abide by the law of SAMA .. Hence, the opportunity to publicly recognize companies that have exploited to attack the (Alkikp) available in the market and divide and raise the prices of their offers as a result of reduced competitiveness old .. The average prices prevailing in the medical insurance policies range between (500 - 2000) Real per capita and the insurance premium as is known, depends on the size of slot as the insured price commensurate with the size of the opposite .. That the first factor to raise prices, while the second factor is the introduction of compulsory health insurance to residents and thus increasing the volume of demand for this service, and Group III, which the insurance companies to justify the rise in prices Boualsa was the high prices and the cost of treatment and health services in the country the rate (15% ) during the last few months ..
As we note that the citizen is to pay the bills this Alistglalat greedy .. Has written more than once for the cost of health care that persist year after year and is now is a peg was suspended by the insurance companies the justification for the increase in prices came as the rate of Boualsa come to my knowledge - to approximately (50%), the price of bills of some of the medical insurance companies rate ranged between (5000-8000) Real increase which exceeded the average in the proportion of (100-200%).
As well as unfair conditions such as differences in insurance coverage and services as well as high off of the insured (the fee paid by the audit at the hospital) at a rate (20-25%).
Given this analysis, how fast can you SAMA with low-income people of this inequity? There were certainly positive aspects of the review of the governor of SAMA insurance companies and registered locally .. But the biggest role these days, so the balance to the market as the company is not enough to claim the loss or damage must be the intervention of the institution and the audit firms, especially companies that raise the budgets of a number of years to the Foundation if the evaluation could be verified by the institution and must have with the Ministry of Commerce to re-balance the market, it is not logical to leave the prices of policies to increase year after year without a staff sergeant, setting standards

Is the insurance will be the guest on a heavy Office of the Ombudsman?

It is known that the control system of cooperative insurance companies in 1424 by the Office of the Ombudsman e assigned an important aspect of consideration of issues of jurisdiction of insurance, according to the rules of Valdiwan respect to the determination of all disputes, which falls between the insurance companies and reinsurance companies or between their respective claims and adjudication of violations of the control system cooperative insurance companies, with penalties for those offenses to one million rials, with the possibility of application of the death in prison of up to only the top four years, and to consider starting in the case that requests SAMA or commissions insurance disputes in chapter imposing a sentence of imprisonment for offenders of the system.

If this is the original jurisdiction of the Office of the Ombudsman, there is an additional competence to be held on the Office of the Ombudsman and to appeal decisions of the committees in the chapter of insurance disputes, the system was mandated in the Court of grievances brought by opponents against the decisions of the committees in the chapter of insurance disputes. If we knew that these committees in accordance with the control system of cooperative insurance companies responsible for the consideration of the conflicts that occur between the insurance companies and their clients or between these companies and others in the case of solutions to replace the insured (in accordance with the principle of subsidiarity), and the chapter in violation of regulations and supervisory oversight of insurance companies and reinsurance companies in the irregularities professionals free insurance brokers and insurance consultants, and others.

The court's jurisdiction, it would be the consideration of complaints and a wide as well. In spite of that the system did not give the competent authority to consider the conflicts that occur between the self-employed, insurance companies or reinsurance companies, however, that the jurisdiction remains in session for the Office of the Ombudsman by virtue of the exercise of liberal professions in the insurance often take the form of a commercial company, and to consider the issues commercial companies from the responsibility of the Office of the Ombudsman.

And conclude from all this that the Office of the Ombudsman will be considered in a wide area and variety of insurance issues. From my perspective there is no problem regarding the Office of the Ombudsman's jurisdiction to consider the conflicts that occur between the insurance companies or reinsurance companies, the issue is often related to a trade dispute is not much different from the conflicts that occur between companies with different activities, and this applies also to the criminal jurisdiction on consideration of the application of the offenses and penalties associated with it, Valdiwan have previous experience in that.

Remained an important issue which will - I believe - a great challenge for the Court, a consideration of the grievances brought before the court against the decisions of the committees in the chapter of insurance disputes, in matters concerning the relationship between the pure insurance the insurance company and its customers or others, especially that these grievances will be The president is due to appeal to the understanding of the specificity of these committees, the legal issues that distinguish it from any other insurance of the other human rights issues, and this requires a thorough understanding of court judges to the issues of insurance, if we know also that the decisions of these committees will be missed very much legal authority on which it depends what makes the task of control over these very difficult decisions will have to court access in a wide range of legal knowledge, which the legal principles established by the insurance industry in the world and its compatibility with the principles established by the court to act accordingly. The question is: What is prepared by the Court in this regard?

In conclusion: I hope it does not have the insurance burden on the court as guest, and I say (guest) in Seoul to await the development of the insurance arrangements with the new jurisdiction.