I recently read in the Venezuelan digital press that a day of hospitalization in a private clinic for a patient with COVID-19 can cost between $ 2,000 - $ 3,000.
This shocked me a lot since, in my family, there have been 2 cases of covid and the period of severity and recovery can last between 15 days and more than a month, depending on the conditions of each patient. Which makes us think of an expense that almost no Venezuelan can cover.
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"We would be talking about an average between 20 to 30 thousand dollars for 15 days of hospitalization."
Related to this, the Venezuelan government administration imposed by presidential decree obligations on insurance companies, which must cover the expenses of their clients.
Circular SAA-91109 of the Superintendency of Insurance Activity, dated March 26, indicates that insurance companies have the obligation to cover a maximum of 14 days of hospitalization and recognize a maximum of $ 23,595 in expenses for patients insured and cared for in top-notch clinics.
But the coin has two sides. We have two visions of the same problem, and that is that if in the case of patients, this represents an unaffordable expense, for insurance companies it also represents a crisis that could lead to a financial collapse, since in Venezuela, the lack of control of prices, the lack of national products, the difficult access to foreign currency, and hyperinflation do not allow for a healthy and stable administration.
Consequently, insurance companies have had to reinvent themselves in times of pandemic, adjusting the coverage of their policies.
All these changes end up affecting customers, policyholders, who see how all the time they have been contributing and the breadth of their policies would be insufficient to care for the health of their loved ones in the event of suffering from covid.
Life insurances
What about insurance in case of death?
As long as there is a valid policy and the policyholders are up to date with their payments, the beneficiaries should be covered in the event of death due to complications related to the coronavirus.
Insurance companies cannot change premiums or customer ratings. This should be the case even if the beneficiary contracts COVID-19, or if an increased risk of exposure is assumed due to work or travel reasons.
In many cases, companies would be offering new fixed-term and lifetime policies during the pandemic, adjusting waiting periods and increasing costs. Thus, when some life insurance companies increase the rates and the safest thing is that there is a domino effect with the other companies, which would do the same.
New questions will probably be incorporated in the previous interviews, related to the coronavirus when considering the new life insurance policies, and the applications could be delayed if, for example, the future insured made a trip to a country or city with high rates of contagion, or if you had close contact with someone who received a positive diagnosis.
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Since studies have shown that the elderly are more prone to death in case of covid infection, the coverage of the policies would be readjusted considering the age of the future insured.
Would this be an attack on the right to life?
Perhaps we could argue about it, but we must remember that the insurance activity is a business, it is a trade, where a well-formed company only expects to receive the return on its investments.
@juanmolina
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The sad thing is that while there is drama due to the high cost of private clinics, in public hospitals the shortages, whether due to lack of personnel or supplies, are detrimental to life and the most elementary rights. A week ago I lost a co-worker, through the various media we requested medicines, supplies and collaboration for tests, even so he could not win the battle, we feel our hands are tied and we pray to God that Venezuelans do not continue to fall into this pandemic.
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Juan, is creativeblue an alt of Piotr?
Hello, dear @azircon.
With all respect you deserve, but you could ask him directly, without problems.
I think that it is not a secret for anyone that this account belongs to him.
Piotr is not a difficult person, on the contrary, he is sociable, he is someone with whom you can always have a civilized conversation.
And please tell me: Piotr pays people to make 150 comments? Piotr has a 'monthly plan'? Dude! This is beyond creepy! Who are you people?
The images are self explanatory :)
Thank you
Thanks for the support @azircon
Dear friend @azircon.
PH does not pay anyone for commenting.
PH supports a small group of users, mostly Venezuelans, with a difficult economic situation, who do most of our publications within our community.
It is assumed that if our publications are in PH, our interaction activity (Comment) will also be within PH.
Since we have common interests when it comes to publishing topics, there are always dynamic exchanges of ideas in the comment section.
why are you scared? Honestly, I do not understand.
I did
And yes, thank you for confirming that creative blue is Piotr.
In which way are you associated with Piotr, Juan?
This is a straight question to you personally. What is your relationship with Piotr?
Piotr is my friend, partner in activities, and mentor regarding the creation and administration of social networks.
Years ago, when he began to try to surround himself with people who wanted to form a project or community, I was perhaps the first person who believed in his intentions and since then I have been by his side.
Many have been with us and left, others have remained.
I hope that all these questions you ask me will help you to have a clearer and more positive vision of us, since, maybe you could get someone to give you a biased answer by trying to project an altered reality onto our activities.
We are not bad people, we are not a mob trying to get rich or harm the Hive ecosystem.
I don’t like people who lies on my face, Juan.
Hello, @azircon.
What´s happened, friend? Why do you say that?
read and look above
Like I told you, PH doesn't pay anyone to comment.
We have a stimulus plan, where we support a group of authors and encourage them to comment.
Comments are a way to boost interaction between subscribers, so their personal accounts grow and at the same time, these users are supported due to their precarious economic condition.
One of those users who received support for several years was our friend Reinaldo.
He is our member who showed the least commitment each month. For this reason, he always had to be reminded of the fulfillment of his activities, since he received the same support as the others.
It seems to me quite dishonest of him, to publish captures of personal conversations with the intention of misrepresenting the true reason for the existence of this stimulus and support plan.