The insurance industry is now very popular, therefore, many companies are actively developing in this area. The company "VTB Medical Insurance" offers to arrange additional insurance, which will allow you to use a wide range of services with the occurrence of insured events.
What it is?
Many employers offer VHI medical policies to their staff that cover health care costs. The company "VTB Medical Insurance" draws up the policies of compulsory medical insurance and VHI. With the receipt of the first document, a person gets the opportunity to use the services in public institutions. At VTB Medical Insurance JSC, a policy can be obtained on favorable terms.
The VHI document costs are fully or partially covered, then they are valid only in paid clinics. An agreement is concluded with each client, according to which a certain range of services is applicable.
Benefits
VTB Medical Insurance chooses many clients due to the advantages of working with the company:
- 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, the payment of services that are unnecessary to the client is excluded.
- The constant help of the dispatcher. Medical assistance to a person may be required at any time, so the work of a round-the-clock call center minimizes risks. With it, you can make an appointment, find out the necessary information, which is very important for busy people.
- With an increase in the number of employees indicated in the contract, the tariff decreases. This benefit applies to enterprise programs. The employer is given a discount with an increase in the number of insured persons.
- Family members of the employee can benefit from services benefits. This is beneficial because the insurance is provided by the employer, and the benefits are enjoyed by employees and their families.
disadvantages
“VTB Medical Insurance” has also disadvantages:
- Limited area of validity of the document. This is a significant minus, since assistance to a person is often required on a business trip or on vacation, but the policy will be valid only where it is issued.
- Compensation can only be obtained with inpatient treatment. Most drugs are bought outside the hospital, so they don’t pay for them.
- There are many conditions in the contract, in case of non-fulfillment of which there may be a refusal of compensation in case of occurrence of the cases indicated in the policy. It turns out that having an agreement does not guarantee compensation, since it is important to fulfill all the conditions.
- In addition to payment for rehabilitation, there will be no other compensation.
Programs
Previously, the company was called VTB Medical Insurance CJSC. Now it has the form of an organization - OJSC. Many customers choose voluntary insurance. This service is provided in the following programs:
- Classic VHI. The program is considered standard, it provides employees of the organization with high-quality medical care, including diagnosis and treatment.
- GMS Global Medical Solutions. Under this program, diagnostics and treatment are performed in large clinics of the world. It involves a large amount of coverage, the limit is 3 billion US dollars.
- Accidents. Under the terms of the program, with the occurrence of an accident that has caused harm to health, including death, the insured person or his heir receives the compensation laid down under the contract.
- Employee Insurance. The program allows you to get help with business trips abroad.
Customers can choose the program as they wish. The list of services for them is different, from which the cost is different. Thanks to the variety, there is no need to overpay for help that may not be useful.
Policy for corporate clients
This is the employer's insurance of its staff. Programs are considered beneficial to all parties. The employer has the following advantages:
- The policy reduces the time spent on medical care, as the service is offered in organizations with a long work schedule.
- Continuous maintenance reduces the incidence of disease.
- Of insurance premiums, you do not need to pay taxes.
- Payments exceed the amount that is paid with the execution of the contract.
If the employer provides VTB Insurance medical policy, then this increases its credibility in the eyes of employees. With the occurrence of an insured event, you must contact the company by providing personal documents. If it is confirmed, compensation is provided to the client, provided for by 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 effects on life and health.
The policy is designed to receive health care in outpatient organizations, clinics, hospitals. With the execution of the document, in addition to help, a person is provided with indemnification upon the occurrence of an insured event.
Cost
The price of the policy for each client is different, because it depends on several factors:
- The term of the contract. It can be annual, but can last 3 months. A short-term document is beneficial for workers working in seasonal jobs.
- Client age The higher it is, the greater the risk of seeking help, and also the wider the list of services.
- Package list. This is a list of services, which is included in the terms of the contract.
The cost of the VHI policy for 1 person is slightly more than 300 rubles. Such services are beneficial and necessary. The paperwork will not take time, and the costs will be justified.