The Social Security Insurance Organization is one of the government insurance organizations that has a large part of its responsibility to support employees and workers for work environments. People who are covered by social security insurance ; They can use the medical services that are intended for people.
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Also, workers and employees will be subject to the use of health insurance and medical records. These people can cover themselves and their family members as well. In compulsory social security insurance, the premium paid is 30% of the individual's salary, of which only 7% is the worker's share.
Note: If you are one of the people who use the social security medical insurance booklet, you no longer need to go to insurance brokers to complete the issuance and renewal procedures. These conditions are available through the social security system and online.
Types of social security insurance
Social security insurance has the following types:
Compulsory insurance that companies and organizations insure their employees.
Self-employed insurance, which is optional insurance.
Self- employment insurance, which is mostly for those who have their own business.
Another thing is the employer 's insurance.
Insurance for housewives
Types of social security insurance
Supplementary medical insurance is one of the types of medical insurance.
Supplementary health insurance
Supplementary health insurance is one of the types of health insurance that is available to people along with basic health insurance. People who apply for supplementary insurance can reduce their treatment costs by purchasing this insurance policy.
Supplementary medical insurance has a payment ceiling, and according to the type of request of the insurer and the agreed coverage, the premium must be paid. This insurance policy, like other medical insurances, has different types that are chosen according to the insurer's request. Types of supplementary insurance include:
Group supplementary insurance
Individual therapy
Family insurance
Supplementary insurances can usually be purchased in different insurance companies, in various plans and coverages. Please note that some coverages are among the main items and others are among the secondary coverages, which can be purchased by paying more insurance premiums.
In general, insurance companies offer the same coverage, but their liability limits are different. Certainly, the higher the limit of obligations, the more the insurance can compensate the cost in the event of an accident or illness.
Supplementary insurance coverage
Supplementary insurance coverage is generally divided into the following categories:
a hospital
Specialized surgery
First group paraclinic
Paraclinic of the second group
Authorized outpatient surgery
laboratory and physiotherapy
Ambulance in the city
giving birth
Visit and medicine coverage
Dental coverage
Infertility
Correction of refractive errors of the eye
hearing aids
Additional insurance supply companies
The following three companies offer individual supplemental insurance where policyholders can choose one of each company's plans based on their conditions:
Saman individual supplementary insurance
Individual insurance D
Cooperative individual supplementary insurance
Of course, other companies have additional group insurance. However, if you are looking for the right company with excellent coverage, read the article on the best supplementary insurance in different companies.
Other types of supplementary insurance
Supplementary insurance is divided into other types, which are mostly for different businesses:
Supplementary insurance for educators , which is for teachers and all employees of the Department of Education.
Supplementary insurance for taxi drivers which is for taxi drivers who have a relevant license and smart card.
Documents required for supplementary insurance claims
There are two methods for compensating the costs of illness in supplementary insurance. Requesting an introduction letter or presenting documents to the insurer, these two items determine the treatment costs. These documents include:
The original or copy of the birth certificate of the treated patient
Copy of the first page of the insurance policy of the treated person
Doctor's certificate with seal and signature
The bill of expenses paid with the seal of the hospital or medical centers
Enter the official date and breakdown of the amount of expenses
Details of the hospital or medical centers with a valid signature
Life insurance
Life insurance is one of the types of personal insurance that is referred to as investment. In addition to paying guaranteed interest, this insurance policy also covers some diseases.
Covering certain diseases is one of the advantages of life insurance , which is used for the treatment of cancer, heart attack, stroke, vascular surgery and transplantation of major body organs. This coverage is applicable for people who get these diseases before the age of 60 and after the start of the insurance policy.
The possibility of specifying the payment method by the policyholder himself
The possibility of determining the insurance period by the policyholder himself
It is possible to get a life insurance loan without a guarantor
Receive guaranteed interest and participation interest
The possibility of receiving interest in a lump sum or in installments
Specific disease coverage (To read the comparison of specific disease coverage, click here. )
Covering natural death or accidental death except suicide ( death insurance is the same as life insurance)
Additional coverage for medical expenses
Disability coverage
Factors affecting the price of life insurance
The following factors affect the final determination of life insurance premium :
Payment Method
The rate of increase in insurance premiums each year
Insurance period
Insurance premium amount
Insured age
Types of life insurance
Life insurance is divided into the following categories:
Life insurance and investment
Term life insurance
Whole life insurance
Life insurance and debtor's balance
Future insurance for housewives
Life insurance and pension
Life insurance and providing for the future of children
Child life insurance
Life insurance for veterans
For more information, read the article on types of life insurance .
Types of life insurance
To get comprehensive information about the army's supplementary insurance and the coverage of this insurance policy, refer here .
In case of illness, it is enough to go to one of the military hospitals for the special organs or medical centers of the contract party to treat your illness at a low cost. Military insurance is a part of the armed forces insurance that people can add to their social security records by paying a fee after completing their service.
Health insurance
Medical service insurance or health insurance is established with the aim of providing medical services to all sections of the society. This insurance is one of the types of health insurance that government employees and optional insured can be covered by. According to the health service insurance contract with medical centers, people can go to one of these centers in case of illness and treat their illness without paying or paying minimum costs.
Another important point is the types of health insurance notebooks, each organization has its own notebook. Of course, the booklet has not been issued for several years and the copies will be issued electronically.
Institutional medical insurance
You may be wondering if certain organizations have their own medical insurance or not. It should be said that all public and private organizations and companies sign contracts with one of the insurance companies. Registration is done through the human resources unit by sending documents directly or registering in a special link.
Exceptions to all types of medical insurance
Every insurance policy will have exceptions according to the amount of risk it has for the insurer. The following are among the exceptions of medical insurance:
All actions that are accompanied by anesthesia.
Operations that require opening the abdomen.
Surgery on large and long bones is not covered.
Operations that are performed on muscles, vessels and nerves except in emergency situations.
All actions that are performed on the spine, brain, spinal cord and skull.
Male and female genital surgery, natural and unnatural births are also not covered.
Tissue biopsy of the esophagus, trachea, bronchi, intestines, bladder, liver and spleen
Cataract surgery, glaucoma, retinal tear, eye socket tumors and eye strabismus
Extensive middle and inner ear operations such as tympanoplasty
Osteosynthesis surgery in maxillary fracture (Open reduction)
Removal of cysts and deep maxillary bone tumors
Open surgery in the sigmoid arch
Surgery to cut and remove the salivary gland
Replacing the old temporomandibular joint dislocation
Get medical insurance from insurance.com
You may also want to buy supplementary medical insurance , but you don't know the conditions, coverages and prices of different types of medical insurance . For this, it is better to refer to insurance.com system, which is a platform for inquiry, comparison and purchase of various insurance policies, and enjoy your purchase by choosing the best medical insurance.
Currently, various types of individual supplementary insurance are offered by several companies, including Saman, Cooperative and Day, which can be purchased online through the insurance.com system.
All you have to do is go to insurance.com and select health insurance products in the menu section and enter your personal information. Also, conditions for buying various insurance products such as: fire insurance, car insurance, liability, travel and doctors' liability have been provided online.
If you have questions or doubts about the types of medical insurance that are not mentioned in this text, you can share them with insurance experts in the form of comments at the end of this article.