Health insurance

I have searching a little about health insurance in my country. Here is what i find about insurance called CROATIA:

Personal insurance against accidents include voluntary personal insurance in an accident resulting in a rule when performing their regular jobs and out of it, but also providing special human activities or activities that may occur during an accident, and finally, compulsory insurance of passengers in public transport.

What is an accident?
Unfortunate is the case every sudden and independent of the will of the insured event, acting externally and rapidly on the body of the insured, resulting in his death, permanent or partial disability, temporary disability, or ill health that requires medical attention.

Who can be insured?
Insured persons can be in in general, from the completed 14th until the final 75th years. People younger than 14 and older than 75 years, can only be secured by additional or special conditions.
Insurance can be arranged by any legal or natural person who has the legal capacity to enter into an interest and insurance.

Which risks can be arranged?
Personal insurance against accidents can be arranged for the following risks:
death due to accident
permanent disability
daily fee for temporary incapacity for work
treatment costs
daily fee to stay in the hospital for treatment of accidents.

Be sure to agree on the risk of death due to accidents and the risk of permanent disability, while other risks are optional.

Besides Radio with the same facultative risks, along with certain types of insurance can be arranged and risks of the case:
death from disease
Sudden death from disease
death by accident
seriously ill condition.

What is the security situation seriously ill?
Insurance gravely ill conditions includes insurance in case of severe conditions 12 most common diseases which we are subject, and that we know happen in life, such as: heart attack, stroke, cancer of various organs that are treated with chemotherapy in cycles, kidney failure or liver rheumatoid arthritis, and other

CROATIA Insurance d.d. first in 1999. was introduced in the Croatian insurance market insurance and seriously ill condition, which agrees with the combined collective insurance professionals and will soon be able to arrange this risk with other types of insurance.

As the contracted risk of death from an accident?
In addition to the risk of death due to an accident, it can be contracted separately, and this risk. In this case, if it is agreed that risk tray and if death occurs due to a traffic accident, paid the sum of both: and the amount of deaths due to accidents and the amount of deaths due to traffic accidents.
So when they both agreed risk death due to accidents and deaths due to traffic accidents, the risks do not exclude one another.
This risk can be arranged with individual personal insurance against accidents, as well as the collective and combined collective insurance of employees against accidents.

As the contracted risk of sudden death from the disease?
The risk of sudden death from the disease is a new risk that has CROATIA Insurance Company First introduced in the Croatian insurance market 01.01.2006. year.

In addition to the risk of death due to accident and death from the disease can now be further arranged and risk of sudden death from disease (eg, stroke, heart attack, cardiac arrest, pulmonary embolism, or an unknown cause).

This risk can be arranged independently of the contractual risk of death from the disease. In the case where both agreed risk death from disease and sudden death from disease, these risks do not exclude one another. If it is agreed that risk tray and A sudden death due to illness, will be paid the sum of both: and the amount of illness and death due to the amount of sudden death from disease.

The risk of sudden death from the disease can be contracted to individual personal insurance against accidents, with collective and combined collective insurance of workers against accidents and ensuring people with special powers and responsibilities (managers).

At the time which was contracted by insurance?
Personal insurance against accidents are generally contracted for a period of one year, however, it is possible to agree on a shorter period (from Day 1 onwards). Collective security is possible to agree long-term or long-term insurance.

The insurance generally provides coverage 24-hours a day and without territorial restrictions, but can be arranged and limited coverage (eg only during operation, during the trip, during sports activities, etc.).

How can amount to compensation for permanent disability?
To set a permanent disability greater than 50% CROATIA INSURANCE Inc. for each percentage point above 50% paid double the amount of compensation so that the compensation for permanent disability can be up to 50% higher than the agreed sum insured. Eg
for permanent disability of 45% paid 45% of the sum insured
for permanent disability of 60% paid 70% of the insured amount (50 +10 +10)
for permanent disability of 100% paid 150% insured amount (50 +50 +50)

what does that mean?? That means that here we have really mortgage life insurance but in little country like this we can be happy just by having insurance like that. Problem is that after we get some injury it takes some time to get to the insurance house and the procedure is slow like cradit report.