Financial literacy for beginners: how to be treated, in order not to go bankrupt

1. What can free cure for OMC policy

This homely piece of paper (or card, if you have received it it) is more than it seems. MHI policy is needed not only for visits to the physician for obtaining sick leave. Thanks to him, you can take prevention, getting high-tech help and even make in vitro fertilization.

2. Do you need VHI

supplementary medical insurance policy before you open the door paid clinic - the one where you bought it. Pluses are obvious: comfort, modern facilities, the lack of queues, quality service. But the disadvantages in the voluntary health insurance, too, abound, and the price - one of them.

3. How to avoid imposed services in private clinics

In private clinics can walk without registration LCA policy. However, in this case, will have to pay for each service separately. And it does not leave a doubt: Is this really need an expensive analysis, or doctor just trying to earn a bonus?

A person without medical training is not always easy to get to the truth. But there is evidence that directly indicates that you are deceived.

4. How not to splurge on dental services

Dental services are a separate item in the cost of treatment. Prices in clinics scares drills, and this causes some to postpone visit to the doctor until better times. But it is better not to delay treatment. Just spend a little research to avoid paying too much.

5. How to save money on drugs

On health can not save - so, at least, believe in pharmacies, because the prices of medicines sometimes shocking. Buying drugs can penetrate a significant gap in the budget. But if well prepared, it is possible to achieve a balance between price and quality.

6. How not to spend money on medicines, pacifiers

People susceptible to eloquent promises marketers who promise to save them from all the diseases and cure any cold "Just seven days" instead of the usual week. As a result of the medication, the effectiveness of which is not proved, the queue lining up. During epidemics the price of tablets could jump a few times.

For those who do not want to spend money for nothing, there is a list of non-performing assets. Check your medication before you buy it.

7. How to cure a cold budgetary funds

Cold - not the disease, which run to the doctor. You most likely will go to the drugstore and buy there the mountain means that promise to quickly relieve you of swelling, stop this annoying runny nose and remove other unpleasant symptoms. However, expensive drugs can be replaced by low cost drugs.

8. Why do not need to spend a lot of money on vitamins

Bank with vitamins takes pride of place in the medicine cabinet, because these pills have to make us cheerful, beautiful, younger and healthier. Do not be surprised when the desired effect will not be.

List of vitamins, that really should be taken, if necessary, short. The rest is not necessarily spent.

9. How not to go broke if you fell ill when traveling

Medical services abroad are expensive. Bill processing simple cut can leave without the money you expect to spend on souvenirs and more serious disease - to drive them into debt.

Protect you travel insurance. Only need to draw it correctly so that it worked as it should.

10. How to return part of the money spent on treatment

If you can not save, you can partially offset the cost. Collect receipts and use the tax deduction for medical treatment and purchase of medicines.