haiguskindluse

Haiguskindlustus, also known as sickness insurance or health insurance, is a system of financial protection against the costs of medical care and illness. In its broadest sense, it refers to any arrangement that helps individuals or groups manage the financial burden associated with health-related expenses. This can include coverage for doctor's visits, hospital stays, prescription drugs, preventative care, and sometimes rehabilitation services.

There are various models of haiguskindlustus worldwide. Some countries have a public healthcare system funded through taxes, where health insurance is a fundamental right for all citizens. In other systems, haiguskindlustus operates through private insurance companies, where individuals or employers purchase policies to cover medical expenses. There can also be hybrid models combining public and private elements. The specific benefits and coverage provided by haiguskindlustus vary significantly depending on the system and the particular insurance plan. Key aspects often include deductibles, co-payments, and annual out-of-pocket maximums, which determine the extent of the insured's financial responsibility. The primary goal of haiguskindlustus is to ensure that individuals can access necessary medical treatment without facing catastrophic financial hardship.