The VHI guarantee, which is positioned as a system of “minimum guarantees” that allows you to receive high-quality and prompt medical care of the highest level. The main advantage of this is the personal participation of citizens in the formation of the necessary list and range of medical care. Vulnerable categories of the population will be able to easily determine the current type of insurance program, as well as the volume of assistance provided, and select the necessary medical institution.

The RESO Guarantee VHI company offers a program designed for various categories of the population throughout the Russian Federation. In any city in the country, you can easily get medical care if you have an insurance policy from the company.

The benefits include the following:

• Payment of all current medical expenses by the client is carried out within the framework of the current insurance program.
• Among the strategic partners of the insurance company are the multidisciplinary clinics of the Medswiss group, located directly in the cities of Moscow and St. Petersburg, as well as the region. In addition, the “Good Doctor” dental center, which provides high-quality services, is also a strategic partner in Moscow.
• It is also possible to work with “Personal Doctors”, in particular, the company’s personal doctor conducts up-to-date monitoring of the health status of all potential RESO clients who decide to take advantage of the offer and order an insurance policy and insure their own health. Medical workers can easily go to the office to visit working clients, as well as to the home of children under one year of age. Such a “Personal Doctors” service will provide the highest quality and individual approach to each insured person.
• RESO Guarantee offers medical insurance under a separate Health Sphere program, which allows you to gain access to the best medical specialists in their field.
• As part of the service, the company offers the opportunity to contact the medical services control room, which employs exclusively experienced medical personnel capable of providing high-quality consulting services. In addition to the opportunity to find out answers to pressing questions, specialists will help organize routine and emergency medical care, make an appointment for a client to be examined by a clinic specialist, and also call a doctor at home. It is worth noting that the service also includes employees who speak fluent English and are ready to advise the person who applies.
• Throughout the entire policy period, the insurance premium remains unchanged, even taking into account the fact that the medical services market rises in price by approximately 14% during the year, unless there is an economic crisis. The insurer does not change the direct amount of the premium under the contract, and the RESO guarantee company assumes the risk of an increase in the price of the services provided.

VHI programs RESO

It is worth highlighting the following RESO VHI programs:

• Doctor RESO is a program, the basic package of which includes outpatient, emergency medical care, calling a doctor at home, as well as the “Health Sphere” offer, within the Classic level.
• VHI-Labor is a program specially designed for migrant workers. It can be used by foreign citizens, stateless persons coming to Russia for the purpose of work or study.
• “Emergency assistance” is a program created for those citizens who do not have permanent health problems; it works only in rare, emergency cases.
• “Aibolit” is a program created for children and adolescents up to 18 years of age.
• “Health Without Borders” is a program designed to help and pay for patient treatment abroad if a critical illness is diagnosed.

The RESO Guarantee company, which offers a VHI policy which is popular, regardless of the required medical care, provides the simplest and most effective way of medical insurance.

In the line of individual VHI programs, you can choose either the simplest one, covering only outpatient services, or a comprehensive program that provides consultations with a personal doctor and pharmacy services.
Within each health insurance product, the cost will depend on the selected network of clinics - from inexpensive to VIP. In addition, the cost is affected by the person’s age and the information provided in the application form.

The main list of VHI products for individuals:

1. Base. Provides only outpatient services, including home care. Cost from 37,700 rub.
2. Standard. Covers outpatient and dental services. Cost from 48,200 rub.
3. Optimal. Includes outpatient and dental treatment, as well as emergency inpatient care. Cost from 59,900 rub.
4. Premium Includes outpatient and dental services, emergency inpatient care, and pharmacy services. Cost from 64,700 rub.
5. Platinum. Maximum coverage: polyclinic and dental services, emergency inpatient care, pharmacy services, services of a personal doctor. Cost from 71,700 rub.

Networks of clinics on the map

Every parent worries about the health of their child. Many of them had to make difficult choices regarding the search for a doctor who can become an ally and like-minded person in the process of raising a healthy person. We invite you to choose the optimal voluntary health insurance program, through which you can receive the necessary medical advice and assistance.

By analogy with individual VHI programs for adults, you can buy both the simplest, covering only outpatient services, and a comprehensive program, including supervision by a personal doctor and pharmacy services.
How much does VHI cost? Within each product, the cost depends on the selected network of clinics - from inexpensive to VIP. In addition, the cost is affected by the age of the child and the questionnaire data.

1. Base. Provides only outpatient treatment, including home care. Cost from 47,400 rub.
2. Standard. Includes outpatient and dental services. Cost from 57,500 rub.
3. Optimal. Covers outpatient and dental care, emergency hospital care. Cost from 67,100 rub.
4. Premium This includes outpatient and dental services, emergency inpatient care, and pharmacy services. Cost from 71,200 rub.
5. Platinum. Involves maximum coverage: outpatient and dental services, emergency inpatient care, pharmacy services, and services of a personal physician. Cost from 83,700 rub.

Networks of clinics on the map
Child life insurance

During pregnancy, the last thing you want to worry about is going to the doctor. VHI insurance will allow you to receive high-quality medical care in connection with pregnancy and childbirth in the clinic of your choice.

1. Pregnancy management from the 1st trimester or later - from RUB 100,057.
2. Obstetrics - from RUB 77,940.

You can choose from the following medical institutions:

• City Clinical Hospital No. 64;
• Scientific Center for Obstetrics, Gynecology and Perinatology named after. Academician V.I. Kulakov;
• City Clinical Hospital No. 1 named after. N.I. Pirogova;
• City Clinical Hospital No. 29 named after. N.E. Bauman;
• City Clinical Hospital No. 67 named after. L.A. Vorokhobova;
• State Clinical Hospital named after A.K.Eramishantsev;
• JSC "K 31 City"

VHI provides citizens with the opportunity to receive medical care in commercial, departmental and other medical institutions in addition to the compulsory medical insurance system. VHI protects the interests of the insured person associated with the costs of providing him with medical care in the event of an insured event.

RESO-Garantiya provides voluntary health insurance since 1994. Today our programs VHI used by more than 500,000 people. RESO-Garantiya one of the three largest insurers in Russia in terms of VHI.

Tax benefits

An individual has the right to receive a social tax deduction in the amount of up to 120,000 thousand rubles. per year when concluding a VHI agreement in your favor, as well as in favor of your spouse, your parents and your children under the age of 18 (Basis: Tax Code of the Russian Federation (part two) art. 219, clause 1, clause 3 ).

The following is not an insured event and the Insurer does not reimburse the cost of medical services provided to the insured person:

• in medical and other institutions not provided for in the insurance contract;
• in connection with pathological conditions and injuries arising or received:
  a) in a state or as a result of alcohol, narcotic, toxic or other intoxication,
  b) as a result of or when the Insured commits illegal actions,
  c) in connection with the Insured’s intentional infliction of bodily harm or suicide attempts.

Advantages of VHI in RESO-Garantiya:

• The unique program for individuals has no analogues among other insurance companies;
• The Doctor RESO policy opens for you 90 of the best medical institutions in St. Petersburg and the Leningrad region. This is a guarantee of your visit to a specialist doctor as soon as possible from the day of treatment;
• Consultation in foreign clinics with leading specialists (second opinion);
• A 24-hour medical dispatch service saves your time making an appointment with the right specialist;
• The cost of the contract remains unchanged throughout the year of insurance, even if paid in installments;
• There is no limit on the number of requests;
• Beneficial for the family - up to 20% discount

Insurance conditions:

• Contract time VHI 1 calendar year
• The age of the insured persons is from 1 year to 75 years*.
• Agreement VHI is concluded on the basis of a completed medical questionnaire and comes into force 15 days after signing and payment.
• The policyholder selects a category of clinics (1, 2 or 3), where he can be served within the framework of the basic program (doctor’s appointment at the clinic + home care + ambulance), and in addition to the basic program, the policy can include dentistry, medical examination and emergency hospital care .
• Home care and ambulance services are provided within the administrative borders of St. Petersburg (Kronstadt, Lomonosov, Zelenogorsk), as well as partially the Gatchina Vsevolozhsk and Lomonosov districts.

Citizens are not accepted for VHI insurance:

• registered in drug treatment, psychoneurological, anti-tuberculosis, skin and venereal diseases (for sexually transmitted diseases) and other dispensaries, centers and prevention of AIDS and HIV infections;
• disabled people of the first and second groups;
• patients with cancer;
• citizens hospitalized on the date of conclusion of the contract.

Voluntary health insurance (VHI) has become widespread among citizens who care about their health and among companies with a high-quality approach to the health of their employees.

Insurance company RESO-Garantiya provides voluntary health insurance services in Russia and the CIS countries.

About company

IC "RESO" was founded in 1991.

Today the insurer has a license to provide more than 100 types of insurance services. The company serves more than 11 million clients and has 900 branches in Russia, employing over 22 thousand agents.

In 2016, RESO-Garantiya took 121st place among the largest enterprises in Russia.

The insurance company implements dozens of different voluntary health insurance programs designed for people from 0 to 79 years old. Under the policy you can receive medical services included in the program.

RESO-Garantiya cooperates with more than 800 clinics throughout Russia. In Moscow alone, the company has concluded agreements with more than 100 medical institutions, including:

• network of medical centers "MedSwiss";
• "Good Doctor";
• emergency medical service;
• network of clinics "Policlinika.ru";
• network of clinics of JSC Russian Railways;
• Swiss Medical Center.

In the regions, insured persons receive the same amount of medical care as in the capital’s clinics.

Services are organized by the Medical Support Center and specialists from IC branches. This allows you to resolve issues around the clock, regardless of the location of the insured citizen.

VHI programs

RESO-Garantiya is constantly expanding its programs and regularly updating its list of services.

"Doctor RESO"

Citizens of the Russian Federation and other countries can insure themselves under the program. The policy is valid in the following areas:

• Moscow region;
• Moscow;
• St. Petersburg;
• Leningrad region;
• Nizhny Novgorod;
• Perm;
• Yekaterinburg;
• Novosibirsk;
• Samara;
• Tolyatti.

The service package includes:

• outpatient care;
• calling a doctor to your home;
• emergency;
• telemedicine.

The policy is valid for 1 year. A basic program for visiting MedSwiss clinics for Muscovites aged 18-59 years will cost 30,300 rubles.

"Aibolit"

The program is intended for residents of Moscow and St. Petersburg, aged from 0 to 18 years. The service package includes:

• outpatient care;
• personal physician;
• emergency;
• telemedicine.

A personal doctor comes for a preventive examination, health monitoring and routine patronage for infants. Additionally, you can include dentistry and emergency hospital care.

In Moscow, basic insurance for a child up to one year old costs from 291 thousand rubles, from one to five years - 159,300 rubles, for five to eight years - 125 thousand, from 8 to 18 years - 84,300 rubles.

Pregnancy and childbirth

Services under the Pregnancy and Childbirth program are available to residents of Moscow. “Pregnancy management” begins in any trimester and continues until the 36th week. The following services are available to patients under the policy:

• examination by an obstetrician-gynecologist;
• consultation of narrow specialists;
• laboratory diagnostics;
• medical documentation;
• in-depth diagnostics based on medical indicators.

When insuring childbirth, the patient is provided with:

• appointment with an obstetrician-gynecologist with drawing up a birth plan;
• clinical blood and urine tests;
• calling emergency medical care with the onset of labor;
• small ward in a hospital;
• anesthesia;
• hospitalization in case of complications;
• ultrasonography;
• fetal cardiac monitoring.

Services are provided in 20 clinics in Moscow. A 1-2 bed room is provided for the woman in labor and the baby. The cost of the policy depends on many factors:

• chronic diseases;
• age of the woman in labor;
• what kind of pregnancy is it?
• gestational age.

On average, “pregnancy management” and “childbirth” cost around 100 thousand.

Programs for pregnant women and women in labor from AlfaStrakhovanie -

"DMS-Trudovoy"

The insurance company offers foreign citizens and stateless persons to insure their health for a period of 3 months to 3 years.

"VHI-Trudovoy" includes primary and emergency medical care, and operates in 200 cities of Russia. The policy is issued for non-working people (children, housewives, pensioners) and working foreigners.

The terms of insurance for migrants can be found at the link “Rules of voluntary health insurance for migrant workers”.

"Health Without Borders"

Under the program, the insurance company organizes and pays for treatment of insured persons abroad. Diseases for the diagnosis of which the “Health Without Borders” service is available:

• oncology;
• coronary artery bypass grafting;
• heart valve surgery;
• organ and tissue transplantation;
• neurosurgery.

If an insured event occurs, RESO will organize a trip to one of the leading clinics located in the following countries (at the client’s choice):

• Israel;
• Finland;
• South Korea;
• Germany;
• Spain.

The insurance company prepares documents, provides an interpreter, pays for therapy, accommodation, transportation, and examination. Insurance payments range from 150,000 to 500,000 euros.

"The ABC of Health"

For health examinations by specialized specialists and passing the necessary tests, RESO-Garant offers the ABC of Health diagnostic program.

The list of doctors is specified when concluding an insurance contract. Based on the results of the examination, a therapist’s report is issued containing practical recommendations.

Inclusion of a diagnostic program in a standard policy will cost from 13,600 rubles for Muscovites from 18 to 59 years old.

“Soon to school/kindergarten”

To enroll in children's educational institutions, you must submit a certificate in the form F-026U.

The certificate is issued by a pediatrician after the child has been examined by the following specialists:

• neurologist;
• ophthalmologist;
• surgeon;
• orthopedist;
• speech therapist;
• dentist.

As well as laboratory testing of blood, urine, and feces.

The cost of a diagnostic program for children in Moscow is from 11,300 rubles.

"Emergency help"

The program provides insurance for citizens of the Russian Federation and other countries who live in Moscow, St. Petersburg, Nizhny Novgorod and other cities of Russia.

The package of services includes emergency medical care and emergency hospital care. Additionally, you can connect diagnostics and telemedicine.

Citizens from 0 to 75 years old can insure themselves. The policy is issued for a period of 1 year. The cost of the basic program for Muscovites 18-59 years old is from 5,000 rubles.

Protection against tick-borne encephalitis

Under the insurance contract, medical care will be provided to the client in any region of the Russian Federation. According to the tick-borne encephalitis protection program, there are no age restrictions for the insured person.

The service package includes:

• outpatient observation;
• emergency hospital;
• rehabilitation treatment.

The policy validity period is 1 year. When an insured event occurs, the victim is paid compensation in the amount of up to 500 thousand rubles.

Telemedicine

The telemedicine service can be additionally connected to the insurance program. It is based on providing assistance via the Internet and includes two options:

• "Video Doctor";
• "Second medical opinion."

“Videodoctor” is a 24-hour online consultation on pediatrics and general medical practice. The number of requests is not limited.

“Second medical opinion” is the issuance of a written opinion from a medical specialist based on the submitted medical documents.

Advantages of VHI "RESO"

Among IC "RESO-Garantia" has a number of competitive advantages:

• developed network of branches;
• partnerships with medical centers;
• own doctors;
• 24-hour dispatch services;
• constant insurance premium during the contract period;
• additional benefits at partner medical institutions;
• individual manager;
• installment plan for insurance premium;
• high level of service;
• system of discounts for organizations;
• for one-time insurance of close relatives, a discount of up to 20% is provided;
• benefits when renewing the contract.

In addition, insured citizens have access to a personal account on the Internet, where they can download the policy, track its expiration date and renew the contract.

Clients who have signed up for voluntary health insurance have the right to a tax deduction in the amount of up to 120 thousand rubles (Article 219 of the Tax Code of the Russian Federation).

Insurance policy cost

A preliminary calculation of the price for an insurance policy can be found using a special online service.