2 Medical Insurance
Vera alone couldn't put up the shelves of a private hospital.
Private hospitals in the UK operate in such a way that a few GPs working in the NHS are responsible for making initial diagnoses on an outpatient basis, and then hiring a number of other specialists from public hospitals to make specific diagnoses. In the case of Vera, for example, if Vera completes her two years of experience as a specialist as a specialist in a hospital's main ward, she can complete her NHS training and become a good practitioner – and she can work part-time in a private hospital. So often doctors in public hospitals in the UK are also doctors in private hospitals.
It is difficult to unify the income of the same hospital in China, but this is not the case in the NHS system in the UK. In a public hospital under the agency of a regional medical board, the salary package for the same position is exactly the same, and there is no situation where one hospital is full of patients and the other is unattended. Moreover, most of the programs are free medical care, and there is no huge gap between positions and salaries due to different departments as in China. An NHS defined Category II specialist earns from £45,000 to £70,000, which is certainly not decent enough, so many people also come to private hospitals to work part-time.
Of course, there are also doctors who specialize in private hospitals. Compared to doctors who work part-time in private hospitals in public hospitals, their salaries are higher, but they also bear greater responsibilities.
In any case, Vera's hospital needs full-time medical staff, so Lin Yilong's eyes are on his classmates who often come to him to sort out their visas. Lin Yilong doubted that his consideration would allow the students to abandon their current jobs and go to Cardiff to practice medicine.
Most of his classmates also have a master's degree in medicine, and some even have a doctorate in medicine. Lin Yilong is not worried about the quality of business, but because most of this group of classmates have already got married, it is questionable whether they can come out and work hard - it is almost impossible to use the NHS salary of about 500,000 soft girl coins a year.
In view of this reality, Lin Yilong only considered two classmates who were not yet married. If it really doesn't work, I will go to the special headhunter to recruit sincerely.
"So, I can only ask you first if you want to come here in Wales. Lin Yilong made an appointment with his high school classmate in London, and he had just been rated as the attending physician Le Qiang, "What is the salary, you can discuss." “
"In other words, the hospital hasn't been officially put into use yet, right? Le Qiang asked, "So many medical personnel are also like me, in negotiations." ”
"I can introduce you to it. Lin Yilong said, "My customers just have this need, and I thought of you." ”
"Wouldn't I have had plenty of time to think about it? Le Qiang laughed.
"Yes, so I give you plenty of time to think about it. Lin Yilong said, "Here are some of the main medical cures for cerebral palsy and hemiplegia. Considering the number of new such patients each year, the hospital has a guaranteed expectation in terms of patient size and revenue. ”
"I'll consider it, but I want you to know the net worth of the current medical staff. "If I'm not mistaken, your client is considering a private general hospital, but it's not as acceptable to patients as a private professional hospital." So, I felt like it would take a lot of effort to convince me to join this hospital. ”
"I can answer this question, but I think you also understand that not to mention the UK, even if many general hospitals in China do not have to find full-time, part-time is acceptable. Lin added, "In the UK, if the hospital I trust accepts private insurance. Whether it is a general practice or a specialty, patients who have insurance companies cover it don't really care. ”
"I want to hear about it. Le Qiang said with great interest.
"That's a long way to go, how much do you know about commercial medical insurance?" Lin Yilong began his story.
The so-called private health insurance is a general term that refers to the amount of money that financial institutions promise to pay for the insured. At least in the UK, insurance companies are all connected to some formal hospitals in one area, rather than "demarcating" with patients in the form of reimbursement as in China.
Because the private hospital that can afford it with the savings and income of the individual is not very large. Except for incurable diseases, no one will have the ability and determination to go to a private hospital to try a new treatment. Therefore, in addition to being outstanding in a certain place, private hospitals must also constantly accept the input of foreign capital.
This is more or less similar to financial leasing such as selling cars.
For example, if an author suffers from a terminal illness called "procrastination", he has three hospitals to choose from – the public NHS "Kingston-upon-Thames" hospital, the old Merdan Hospital, which is covered by private insurance, and the New Meldan Renji Hospital, which is not covered by an insurance company. Normal patients, because of lack of funds, mostly choose public "Kingston" hospitals, which are the most effective and cost-effective electroshock therapies - but the author happens to be so disgusted by this treatment that he excluded this from the list.
The remaining two hospitals use therapies that do not have high side effects when treating patients, and the treatment effect is similar. In this way, the question becomes which is the insurer's cooperative hospital for the author of the advanced stage of procrastination, which is the author's highest priority. If Novo Meldan Hospital wants to turn this into an advantage, it will have to reach a compromise with the insurer (the so-called insurance company) on medical costs and medical methods, and there is also the case that Novomerdan gene therapy cures all the authors who suffer from "procrastination", and the authors only look at whether their insurance covers Novomerdan Hospital, and then the insurer needs to ask for "funding" of Novomerdan Hospital.
In this way, choosing a hospital is actually the same as the factors that need to be considered in a private car with little less performance, because the financial terms given by the manufacturer are often more favorable than the terms of the individual to persuade the bank to carry out the financial lease, so in many cases, which financial terms are most advantageous to the customer, the consumer will choose which car.
In this way, the most direct reason for influencing consumers to engage in financial leasing is how car manufacturers can get the banks to provide credit lines for the vehicles they manufacture, so that the customers who buy the car can "afford" and expand their advantages, thereby promoting R&D and production.
In summary, at least in the Western world, it is almost impossible to do anything without financial support, and the healthcare industry is certainly not an exception, although there is an NHS that covers the entire population.