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In Russia, an institution of compulsory medical insurance has been created, according to which every citizen has the right to receive qualified medical assistance. However, this policy has a rather narrow scope. In this regard, many additionally draw up a voluntary medical insurance policy, the availability of which provides access to a higher quality of services, and at the first request. The presence of an open policy in Uralsib VMI allows you to provide really effective medical care.
Uralsib DMS - advantages
Currently, high-quality medical services in modern equipped centers with qualified specialists are quite expensive. For those who take care of their health and undergo regular examinations, and even more so if there are any diseases, taking out an insurance policy allows you to save on treatment without losing the quality of the services provided. Increasing competition in this segment of services has led to the fact that the cost of a full range of services is quite acceptable. As for the VMI offered by Uralsib, it compares favorably with its competitors by a wide range of possible insurance programs, some of which can be called unique.
Thus, we can highlight the following advantages of cooperation with this insurance company on:
- providing an opportunity to independently choose a package of services that is more suitable for the needs and desires of the client;
- the right to reduce the limit of insurance payments at the initiative of the client (with a reduction in the range of services provided);
- service both at home and at any other address that was indicated when calling (for example, if your health deteriorated sharply at work or at a party);
- inclusion of additional individual services such as legal support and dentistry;
- development of separate programs for children (operating from birth to 17 years old) on favorable terms;
- absence of a ban on changing the package of services provided until its validity period has expired (subject to the regulated insurance rules);
- regular offers of new programs;
- the opportunity to contact the advisory dispatch service for medical customer support, which works around the clock and allows you to ask a question of interest to a highly professional specialist.
It has been operating for more than twenty years, which is another confirmation of its reliability and professionalism. For such a long period of time, a base of medical institutions has been developed, with which fruitful cooperation is carried out. Rich experience allows us to solve customer issues in a short time. Anyone can apply for an insurance policy, for this it is enough to contact any office or branch of the company.
Programs offered by Uralsib
The activities of the insurance company are carried out in accordance with the established rules, which are prescribed in the contract concluded with customers and partners. The main ones include the following:
- the requirement to fulfill the obligations assumed by all parties;
- extension of the policy only to the services included in the program;
- the policy is valid for one year;
- providing the ability to add or change the types of medical services included.
In addition to the standard set of insurance conditions, it is possible to obtain non-standard conditions, which can be called flexible and make the conditions for obtaining insurance more favorable. This applies to those cases when, for example, the team is insured or an installment payment is required.
VHI Uralsib offers the following programs:
- for adults;
- for kids;
- "Good health";
- "Anticlesch".
For each of these programs, there are a number of core services that include outpatient clinic visits, outpatient care, house calls, ambulance calls, dental services, emergency care, inpatient care, and others. It also offers a number of additional services that can be used by corporate clients. These include a family or office doctor, the opportunity to be observed while carrying a child, and others.
Thus, we can conclude that Uralsib Insurance Company VHI makes available to the public. The organization aims at constant development, constantly developing new programs for its customers.
The list of services provided to URALSIB clients includes voluntary medical insurance. VMI URALSIB is issued to different categories of customers and is very popular, according to consumer reviews. The developed programs allow you to choose the policy that best meets the needs of customers.
VMI insurance from URALSIB Bank
When applying for some banking products, such as mortgages, an insurance policy is a prerequisite. An insurance company, which is part of the URALSIB group, will help to issue it. VHI insurance is an opportunity to provide timely and high-quality medical care in the amount stipulated by the policy in clinics of the most modern profile.
Please note that insurance URALSIB under VMI programs issues policies to individuals, corporate clients and clients of partners. In addition to life and health insurance under various programs, you can issue policies for various occasions, insure property, risks, etc.
Types of voluntary medical insurance
On the this moment The most popular comprehensive insurance programs according to user reviews are policies (you can learn more about the conditions of each of them by calling the hotline 8800-250-92-02)
- Good health;
- Children's health.
In addition, the Health Formula loyalty program operates, which provides owners with a 50% discount in partner companies (it is enough to present an insurance policy). As evidenced by reviews of VMI, comprehensive high-quality medical care, combined with a loyalty program, makes the policy beneficial for the owner.
Services included in the VHI policy
The VMI policy under the terms of the URALSIB insurance company assumes:
- Express diagnostics;
- Comprehensive care, including home care (including emergency) and hospitalization services;
- The package of voluntary medical insurance may include CHI;
- Dental services and a range of services for the smallest (vaccination, patronage of newborns, etc.).
To conclude an agreement (you can familiarize yourself with a standard agreement in the VHI Agreement appendix) and receive additional consultations, you can visit the office of the URALSIB insurance company or contact remotely (via Personal Area or using a 24/7 telephone). Voluntary health insurance provides round-the-clock service for URALSIB clients if necessary.
Having a voluntary medical insurance policy will allow you to receive highly qualified medical care in modern partner clinics. URALSIB clinics provide VHI owners with various services within the framework stipulated by the concluded insurance contract. Quality control of medical care of clinics is carried out by an insurance company and, according to reviews, is carried out at a high level.
Take advantage of the opportunity to apply for an additional health insurance policy online - quickly and conveniently Conclusion
In URALSIB, VHI can be issued under any of the existing programs. The client himself chooses a policy with the volume of medical care he is interested in and a list of insured events. VHI policies are accepted in many clinics, a list of which you can find by calling 8800-250-92-02.
JSC "UralSib" was established in 1993. The company offers a wide range of insurance products, including VHI insurance programs. The VMI policy allows you to receive a complex of expensive medical services in modern clinics.
Benefits of applying for VHI in UralSib
At the end of 2015, the company ranked 15th among Russian insurance companies in the VHI segment, having collected RUB 1,636,864 thousand. premiums and paid 1,164,986 thousand rubles. for insured events.
The authorized capital of UralSib JSC is 3.34 billion rubles, and the reliability rating is assessed by the Expert RA agency as very high (A +) with a stable outlook. The company's insurance obligations in terms of insurance payments are guaranteed by world reinsurance organizations, including: Swiss Re, Partner Re, Munich Re, SCOR, Everest Re Limited, XL Europe Plc, Lloyd's.
Types of VHI insurance programs
UralSib offers a wide range of VHI insurance programs that differ in the range of included insurance services and the amount of insurance coverage.
"Express Diagnostics"
The program includes services for the detection of diseases at an early stage:
- examination of the respiratory and cardiovascular systems;
- diagnosis of diseases of the liver, lungs, thyroid gland;
- diagnostics of oncological diseases for women and men aged 40 to 80 years.
"Complex Treatment"
This program provides for a set of measures to provide the necessary medical care:
- polyclinic service;
- urgent care;
- emergency hospitalization;
- dental services.
"For expectant mothers"
The program includes services to accompany women during pregnancy and childbirth. The program is formed individually, taking into account the request of the expectant mother.
"VHI for children"
The program guarantees the provision of necessary assistance and medical support for children during treatment:
- home care for newborns;
- carrying out routine vaccination;
- doctor's appointments;
- carrying out medical and physiotherapeutic procedures.
The cost of the VHI policy
The cost of a VHI policy from Uralsib depends on the selected health insurance package for the client. The table below shows some VHI programs offered by the company as of 2017 (the limit for all programs is 5 million rubles)
VHI- This is a voluntary health insurance that guarantees the patient the provision of paid medical services and has ample opportunities. However, it is worth remembering that there are also limitations that must be taken into account when applying for an insurance policy.
Consider the most common misconceptions of potential VHI policy holders.
Misconception #1. If you have a VHI policy, you can count on medical care in any medical institution.
Often, policyholders believe that by purchasing a VHI policy, they automatically become clients of all paid clinics. This is not true.
Each insurer has contracts with a certain set of medical institutions, in which the clients of the insurance company will be served.
The list of medical services and clinics where you can get medical services is discussed in advance, when concluding a VHI contract. As a rule, insurance companies offer 3 insurance options - from the minimum to the maximum set of medical institutions. Naturally, the more clinics can offer you their services, the more expensive the insurance policy.
Misconception #2. You are about to have an operation and you decide to take out a VHI policy, believing that it will cover all medical expenses.
This misconception is one of the most common. Often, insurers believe that by purchasing a VHI policy in advance of a planned operation, they can count on the fact that the insurance company will cover all the costs associated with the operation, as well as the costs of rehabilitation.
In this situation, it is worth remembering the essence of insurance, which provides for the coverage of unforeseen expenses of the insured in the event of insured event. In this case, the insured event has the following features:
probabilities, i.e. insurance event may or may not occur;
chance, i.e. the occurrence of an insured event, although it can be foreseen, cannot be precisely established in advance.
Thus, the planned operation cannot be recognized as an insured event, since it will certainly occur, and this is known in advance.
Suppose that the insured, when filling out the questionnaire for insurance, keeps silent about the planned operation and issues a VHI policy. In this case, the insurance company, when considering the application for payment, will most likely find out that the operation was planned in advance, and was not required unexpectedly and urgently, and will not confirm the payment.
Misconception #3 Dental services are always included in the VHI policy.
This is not true! Dentistry is an additional option and is not included in the basic insurance cover. A number of insurance companies offer separate "VHI Dental" policies that cover the cost of dental treatment.
Misconception #4 You can buy a VHI policy immediately before going to the doctor.
It is forbidden! The process of obtaining a VHI policy is not complicated, but it requires compliance with a certain procedure, including filling out a questionnaire, which will contain all the data relating to the health of the insured.
In addition, there is the so-called temporary deductible, which assumes that the policy will take effect 10-15 days after its issuance.
Misconception #5 Everyone can be insured.
In principle, this is true. However, there are age restrictions that entail an increase in the cost of insurance. So the VHI policy for children under one year old and for the elderly over 75 years old will cost more.
In addition, unfortunately, insurance can be denied or significantly increased in the cost of the policy for people suffering from serious diseases, such as oncology.
In any case, even taking into account all the nuances, examination and treatment in paid clinics will bring you much more pleasure than service in district clinics.
We wish you health and always pleasant medical services!
