Health insurance
comparing health plans: coverage, clinic networks, deductibles, exclusions
Health insurance
What to compare:
Outpatient, inpatient, dental, medication, emergency, maternity — each block has its own limit.
Clinic network:
Health plans work only in partner clinics — check the list before buying, not after.
Deductible:
What you pay yourself (10–30% of a visit). Cheaper policy = higher deductible.
Exclusions:
Pre-existing chronic conditions, sports injuries, dental, vaccination — read the exclusions section carefully.
Direct billing:
Clinic bills the insurer vs you pay and claim back — the first is more convenient.
Corporate plans:
Employer plans are usually better value — lower per-person cost, family often included at discount.
Oncology separately:
Standard plans often cap oncology — separate onco programs exist.
Price:
Basic plan: 3–8k UAH/year; full: 15–40k. Depends on age, network, limits.