Voluntary medical insurance from "Sogaz": what does the program include?

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

Medical services are important in a person's life. Voluntary medical insurance is needed to receive qualified medical assistance and conduct the necessary high-quality diagnostic tests. Sogaz offers to issue a policy in order to remain calm for your he alth in various situations, because the funds paid will help you recover.

Concept

Voluntary medical insurance from "Sogaz" - qualified medical assistance at any time. You can issue a policy to an individual and a legal entity. Often, the employer includes VHI in the social package guaranteed to employees. You can seek help at any clinic or hospital that works with an insurance company.

Voluntary insurance compared to mandatory is issued at the request of a person. No one is forcing you to use these services. Usually they are issued for dangerous work or whentrips to other countries. Now there are many companies in this field. And each of them offers several programs with their own conditions. It is necessary to choose the appropriate insurance product according to your requirements, so that in the future you can actually receive cash compensation.

Place among other firms

Sogaz was founded in 1993 and has been a leader among other insurers for more than 20 years. The group includes several companies with a single name. They specialize in different types of insurance. For example, Sogaz-Life is the leader in life insurance.

According to the FSSN for 2012, the group took 2nd place among Russian firms. Agency "Expert RA" was awarded the highest position in terms of reliability. Many Russians turn to this firm for help.

Terms and price

To get voluntary medical insurance from Sogaz, you need to know the conditions and programs of the company. This also determines the price of the policy. The company works with corporate insurance. The cost of the policy depends on the size of the enterprise, the number of insured persons, selected programs and conditions.

How much will a voluntary medical insurance policy at Sogaz cost? The price is determined by the types of services that are supposed to be performed. The cost may differ in each region and on the number of people for 1 insurance. Up to 6 people can be insured for 1 service. If you choose the "Economy" program, then the price will be from 1500 rubles, and if "Universal", then -3500 rubles.

What affects the cost?

Voluntary insurance protects the client's he alth. But the price of a policy can be determined by several factors:

1. In each company, the cost of the document may differ. Amounts are affected by status, reliability and scope of services. It should be borne in mind that many scammers work in this area, so before paying, you need to check the company's activities.
2. All organizations run several programs that differ in cost. The cheapest includes a minimum of services. If any assistance is not included in the policy, then you will have to pay for these services yourself. Getting paid is not so easy, you need to pass the examination. The most expensive package includes many services.
3. Payment depends on the level of the clinic. An insurance company usually has many partners of different status. For example, if a regular clinic is chosen, then even a wide range of services is provided at a bargain price.
4. The list of services affects the price. It may include examination, first aid and prescription of medicines. Sometimes the list is supplemented by tests, massage and acupuncture.
5. The cost is influenced by the characteristics of a person: age, gender, nationality. This is determined by the program.
6. An important factor is the type of activity, for example, the risk of injury for an office worker is less compared to a construction worker.

Services

To be sure of timely assistance, you must choose "Sogaz" - voluntary medical insurance. The list of services in each case can bedifferent. The policy serves as protection against illness and injury. For example, the company is implementing the Antikleshch program. According to it, a person receives assistance in case of disability after a tick bite.

The program of voluntary medical insurance from Sogaz includes the following insured events:

• disability - temporary or permanent;
• death.

A person is protected from specific cases prescribed in the policy. When they occur, payments are due.

No protection from what?

If some cases are not included in the voluntary he alth insurance from Sogaz, this means that they are not in the coverage area under the policy. An individual receives free assistance at the hospitals the firm works with.

Medical services cannot be provided or they will be performed for a fee or in turn. This applies to those cases that are not indicated in the program.

Agreement

To apply for such a service, you need to visit the Sogaz office. The contract of voluntary medical insurance is signed in person. Any questions should be asked while going through this transaction.

If there is no opportunity to visit the company, then the order can be placed by phone. Delivery is made by courier if the client lives near the office. You can also get acquainted with the price of the policy.

Programs

Sogaz insurance group offers voluntarymedical insurance under various programs. They differ in the list of services. The Sogaz-Persona software package has been developed for individuals.

It includes programs:

1. "Universal".
2. Economy.
3. "Special".
4. Anticlesh.

For such a program, legal entities are insured. Each of them is supposed to perform its own list of services.

Pros and cons

The advantage of the company is the formation of the program at the request of the client. From this, the cost of VMI is determined. The company offers to buy a policy in installments. Each product has its pros, but they are about the same:

• clearance is fast;
• only professionals work;
• no written application required;
• affordable prices;
• delivery of the policy by courier.

For individuals

It is more profitable for citizens to take out an insurance policy at Sogaz. Voluntary he alth insurance for them is provided to several programs. The budget option would be "Economy". The program includes many services that the client can choose for himself. Any person aged 1 to 81 can be insured, including the disabled. The program is suitable for anyone who needs ongoing medical care.

If narrowly targeted insurance is required, then the Anti-Tick program will be the best choice. It is ideal for those who often visit the forest. For urban residents, the service is unlikely to be useful. Conditions are like a program"Economy", only it has a narrowly focused action. An insured event is considered to be disability or death.

Special product available for customers. It lacks freedom of choice. Standard services are provided, and the cost and payments are fixed. As part of the Universal program, it is possible to modify the conditions and risks.

Regular customers are offered discounts and bonuses. Often the company holds bonus promotions for various programs. Clients are notified about all promotions by phone. This affects the price of the policy. The minimum cost is set for children. At an economical rate with a minimum amount of 10 thousand rubles, the price of the policy will be 110 rubles. If the maximum amount of 500 thousand rubles is chosen, then you will have to pay 5.5 thousand rubles.

For foreigners

Now there are no special programs for foreigners. But in the future, they are planned to be created, since many people from other countries come to Russia to work. To date, foreigners have access to all those products that are intended for citizens of the Russian Federation.

For kids

You can insure up to 6 people on Sogaz-med. Voluntary he alth insurance involves the issuance of a policy for the whole family. Discounts are available to customers during the prolongation of the contract. There is no separate program for children. But there is a "Universal" product, with which you can choose a specific list of services for a specific person.

For a policy, children usually choose the following listservices:

• doctor's call;
• examination;
• he alth care according to age.

The list of services may be different for each child. You can choose them with the help of specialists in the company or by phone.

How is the policy used?

In the event of an insured event, the client must call the insurer at any time. You need to explain your problem in detail. Then the dispatcher will refer you to a specific doctor. He will also tell you what to do before visiting a specialist.

There are situations when a person cannot contact the dispatcher. For example, there is no phone, or there are no funds on it. Sometimes there is no information about the insurer. Then you can contact the clinic by registration. Under the contract, the patient has the right to use the services of a specialist without an insurer.

If an accident occurs, all injuries must be certified by a doctor. When it is confirmed, the client is compensated. Sometimes the insurance company is asked to undergo an additional examination. You do not need to pay for treatment, but you need to purchase medicines yourself. Only after there is confirmation of the occurrence of an insured event, payments are due.