"VTB Medical Insurance": features of insurance

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The insurance industry is now in great demand, so many companies are actively developing in this area. VTB Medical Insurance offers additional insurance that will allow you to use a wide range of services with the onset of insured events.

What is this?

Many employers offer their employees VHI medical policies that cover the cost of he althcare services. VTB Medical Insurance issues CHI and VHI policies. With the receipt of the first document, a person gets the opportunity to use services in public institutions. In VTB Medical Insurance JSC, the policy can be obtained on favorable terms.

Document VHI costs are covered in full or in part, they are valid only in paid clinics. An agreement is concluded with each client, according to which a certain range of services operates.

Benefits

"VTB He alth Insurance" chooses many clients due to the advantages of working with the company:

1. Large selection of programs. The client gets the opportunity to choose the range of services that he needs. Thanks to the selection of the program, payment for services that the client does not need is excluded.
2. Constant dispatcher assistance. A person may need medical assistance at any time, so the work of a 24-hour call center minimizes risks. With it, you can make an appointment, find out the necessary information, which is very important for busy people.
3. With an increase in the number of employees indicated in the contract, the tariff decreases. This benefit applies to corporate programs. The employer is given a discount with an increase in the number of insured persons.
4. Employee's family members are eligible for service benefits. This is beneficial as the insurance is provided by the employer and the benefits are shared by employees and their families.

Flaws

"VTB He alth Insurance" also has disadvantages:

1. Limited area of validity of the document. This is a significant disadvantage, since a person often needs help on a business trip or on vacation, but the policy will only be valid where it is issued.
2. Compensation can only be obtained with inpatient treatment. Most medicines are purchased outside the hospital and are therefore not covered.
3. There are many conditions in the contract, in case of non-fulfilment of which there may be a refusal of compensation in the event of the events specified in the policy. It turns out that the existence of an agreement does not guarantee receipt of compensation, since it is importantfulfill all conditions.
4. Except for the recovery fee, there will be no other compensation.

Programs

Previously, the company was called CJSC VTB Medical Insurance. Now it has the form of an organization - JSC. Many customers choose voluntary insurance. This service is provided in the following programs:

1. Classic DMS. The program is considered standard, it provides the employees of the organization with quality medical care, including diagnostics and treatment.
2. GMS Global Medical Solutions. Under this program, diagnostics and treatment are carried out in major clinics around the world. It involves a large amount of coverage, the limit is 3 billion US dollars.
3. Accidents. Under the terms of the program, with the onset of an accident that caused harm to he alth, including death, the insured person or his heir receives the compensation stipulated by the contract.
4. Employee insurance. The program allows you to receive assistance when traveling abroad.

Customers can choose programs of their choice. The list of services for them is different, from which the cost is different. Diversity means you don't have to pay extra for help that you might not need.

Policy for corporate clients

This is the employer's insurance for his staff. Programs are considered beneficial for all parties. The employer has the following benefits:

• The policy reduces the cost of working time to receive medical care, asservice is offered at establishments with long hours.
• Continuous maintenance reduces disease rates.
• You don't have to pay taxes on insurance premiums.
• Payments exceed the amount that is paid with the execution of the contract.

If an employer provides a medical policy to VTB Insurance, this increases his authority in the eyes of employees. With the onset of an insured event, you must contact the company, providing personal documents. If it is confirmed, the client is paid compensation under the terms of the contract.

VHI for migrants

"VTB Medical Insurance" in Moscow and other cities allows migrants to use the services. The policy is issued to citizens who are temporarily in the country. This will allow them to avoid adverse consequences for life and he alth.

The policy is designed to receive he alth care in outpatient organizations, clinics, hospitals. With the execution of the document, in addition to assistance, a person is provided with compensation with the onset of an insured event.

Cost

The price of the policy is different for each client, as it depends on several factors:

1. Term of the contract. It happens annually, but can be valid for 3 months. A short-term document is beneficial for workers in a seasonal position.
2. Age of the client. The higher it is, the greater the risk of seeking help, and the wider the list of services.
3. Package list. This is a list of servicesincluded under the terms of the contract.

The cost of a VHI policy for 1 person is a little more than 300 rubles. Such services are beneficial and necessary. Document execution will not take time, and the costs will be justified.