Medical services are important in human life. To receive qualified medical help from doctors and conduct the necessary quality diagnostic tests, you need voluntary medical insurance. Sogaz offers to issue a policy so that in various situations it can remain calm for its health, because the funds paid will help to recover.
The concept
Voluntary medical insurance from Sogaz is the qualified help of doctors in any period. You can apply for a policy for an individual and legal entity. Often, the employer includes VMI in the social package guaranteed to employees. You can seek help at any clinic or hospital that works with an insurance company.
Voluntary insurance in comparison with compulsory insurance is drawn up at the request of a person. No one forces you to use such services. Usually they are issued for dangerous work or when traveling to other countries. Now many companies are working in this area. And each of them offers several programs with their own conditions. It is necessary to choose a suitable insurance product according to your requirements, so that in the future you can really get monetary compensation.
Place among other firms
Sogaz was founded in 1993 and has been at the leading position among other insurers for more than 20 years. The group includes several companies with a single name. They specialize in different insurance options. For example, "SOGAZ - LIFE" is a leader in life insurance.
According to the FSSN for 2012, the group took 2nd place among Russian firms. The Expert RA Agency has been assigned the highest reliability position. Many Russians turn to this company for help.
Terms and price
To take out voluntary medical insurance from Sogaz, you need to know the conditions and programs of the company. This determines the price of the policy. The company works with corporate insurance. The cost of the policy depends on the size of the company, the number of insured, selected programs and conditions.
How much will Sogaz voluntary health insurance cost? The price is determined by the types of services that are supposed to be performed. The cost may vary in each region and from the number of people for 1 insurance. For 1 service, you can insure up to 6 people. If you select 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 health of the client. But the price of a policy can be determined by several factors:
- In each company, the cost of the document may vary. Amounts are affected by status, reliability and scope of services. It should be borne in mind that a lot of scammers work in this area, so before paying you need to check the activities of the company.
- All organizations have several programs that differ in cost. The cheapest includes a minimum of services. If any help is not included in the policy, then you will have to pay for these services yourself. It’s not so easy to get payments, you need to go through an examination. The most expensive equipment includes many services.
- Payment depends on the level of the clinic. An insurance company usually has many partners of different statuses. For example, if you choose a regular clinic, then even a wide range of services is provided at a bargain price.
- The price is affected by the list of services. It may include examination, first aid and prescription of medicines. Sometimes the list is supplemented by analysis, massage and acupuncture.
- The cost is influenced by the characteristics of a person: age, gender, nationality. This is determined by the program.
- An important factor is the type of activity, for example, the risk of injury to an office employee is less than that of a builder.
Services
To be sure of timely assistance, you must choose "Sogaz" - voluntary medical insurance. The list of services in each case may be different. The policy serves as protection against diseases and injuries. For example, a company implements the Antiklesch program. According to it, a person receives help in case of disability after a tick bite.
The Sogaz voluntary health insurance program 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.
What is no protection from?
If voluntary medical insurance from Sogaz does not include any cases, this means that they are not in the coverage area of ​​the policy. An individual is provided with free assistance in the hospitals with which the company works.
The medical services cannot be provided or they will be performed for a fee or in turn. This applies to cases that are not indicated in the program.
Contract
To apply for such a service, you must visit the Sogaz office. A voluntary health insurance contract is signed in person. Any questions should be asked when 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. It will also be possible to get acquainted with the price of the policy.
Programs
Sogaz Insurance Group offers voluntary medical insurance under various programs. They differ in the list of services. For individuals, the Sogaz-Persona software package has been developed.
It includes programs:
- "Universal".
- "Economy".
- "Special".
- "Anti-tick".
Under such a program, legal entities are insured. Each of them is supposed to fulfill its 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 VHI is determined. The company offers to buy an installment policy. Each product has its advantages, but they are approximately the same:
- clearance is fast;
- only professionals work;
- no written statement required;
- reasonable prices;
- policy delivery by courier.
For individuals
It is more profitable for citizens to draw up an insurance policy at Sogaz. Voluntary health insurance is provided for them by several programs. The budget option would be Economy. The program involves many services that the client can choose for himself. You can insure any person aged 1 to 81 years, including disabled people. The program is suitable for everyone who needs constant medical care.
If narrow insurance is required, the Antiklesh program will be the best choice. It is ideal for those who frequent the forest. For urban residents, the service is unlikely to be useful. The conditions are similar to the Econom program, only it has a narrowly targeted effect. An insured event is disability or death.
For customers, the product "Special" is available. There is no freedom of choice for it. Standard services are provided, and costs and payments are fixed. Within the framework of the “Universal” program, it is possible to modify the conditions and risks.
Regular customers are offered discounts and bonuses. Often a company holds bonus promotions for various programs. All customer promotions are notified by phone. This affects the price of the policy. The minimum cost is set for children. At an economical tariff with a minimum amount of 10 thousand rubles, the price of the policy will be 110 rubles. If you select the maximum amount of 500 thousand rubles, 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. Today, all those products that are intended for citizens of the Russian Federation are available to foreigners.
For children
You can insure up to 6 people with Sogaz-honey. Voluntary health insurance involves a policy for the whole family. A discount is available to customers during the extension of the contract. There is no separate program for children. But there is a product "Universal" with which you can choose a specific list of services for a particular person.
For a policy, children usually choose the following list of services:
- call a doctor;
- examination;
- medical care depending on age.
For each child, the list of services may be different. You can select them with the help of specialists in the company or by phone.
How is the policy used?
If an insured event occurs, the client must call the insurer at any time. You need to explain your problem in detail. Then the dispatcher will direct 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 data from the insurer. Then you can go to the clinic by registration. Under the agreement, the patient has the right to use the services of a specialist without an insurer.
If an accident occurs, all injuries must be documented by a doctor. Upon confirmation, compensation is paid to the client . Sometimes the insurance company is asked to undergo an additional examination. You don’t have to pay for treatment, but you need to buy the medicine yourself. Only after confirmation of the occurrence of the insured event is the payment due.