Ingosstrakh - Voluntary health insurance is suitable for those who want to use the services of modern clinics, highly qualified specialists and take care of loved ones. If you have a VHI policy, you can make an appointment with one doctor at a convenient time or undergo an examination with several on the same day.

An insurance contract for the provision of medical services includes not only the provision of care in a clinic, but also the opportunity to receive pharmacy services, dental treatment and hospitalization. And also, when choosing an addition to their package, many will be able to take advantage of such a direction as the prompt arrival of an emergency team.

In the case of legal entities, a corporate-type voluntary health insurance program characterizes the organization as a responsible employer who cares about its employees. Such voluntary health insurance packages have an impact on reputation and make it possible to earn good reviews about the company’s activities.

Medical care contracts from Ingosstrakh are characterized by the following advantages:

• Availability of more than 2,800 clinics and medical centers throughout the country;
• Inclusion of all family members in one policy providing for a specific program;
• Ensuring that general practitioners (general practitioner, pediatrician) come to your home;
• 24-hour assistance from a psychologist by telephone;
• The opportunity to get access to an experienced specialist, including candidates and doctors of medical sciences;
• Service is carried out using laboratory equipment from well-known manufacturers;
• All clinics and medical centers cooperating with the company offer a wide range of services within the framework of the policy;

• Responsiveness and attentiveness of staff when contacting clients and reliability of service;
• Monitoring the quality of services used, as well as completion on time and to the required extent;
• Availability of a guarantee for all types of medical services provided;
• Selecting a center that is suitable by proximity or other parameters with the ability to make an appointment at a convenient time;
• Saving visits to an electronic database with the formation of a medical history, which can be found in any clinic under the VHI policy;

• Selection of a profitable package or offer based on the purpose of receiving medical care and the category of the client.

Ingosstrakh has its own “Be Healthy” clinics, which facilitates the consideration of complaints in case of untimely assistance or refusal to provide services.

According to the VHI agreement, emergency and planned inpatient care can be provided, then the insured person is offered a separate double ward. For children under 3 years of age, it is possible to stay with a parent.

Voluntary insurance from Ingosstrakh allows you to receive consulting support from specialists 24 hours a day.

In the personal account of the insured, you can track promotional offers for other programs. It also provides contacts of a physician-supervisor who will help resolve controversial issues regarding the provision of medical services or help call for help if necessary.

VHI policy from Ingosstrakh for Individuals - Programs and Costs

Classic programs for individuals are divided into categories depending on the patient.

"For adults"

Individual packages for adults provide a choice of general services or extended rates with the ability to mark your favorite clinic. To date, there are 5 sets available:

• Basic – medical, diagnostic and laboratory assistance when visiting a clinic, as well as calling a specialist to your home.
• Standard – covers the basic set of services with the addition of dentistry.
• Optimal – combines outpatient, dental services and emergency calls.
• Premium – in addition to the options of the “Optimal” package, you can use pharmacy services.
• Platinum – an expanded list of services including a personal doctor.

The price range starts from 37,700 rubles. for basic options. The most expensive package is Platinum, the minimum threshold of which is 71,700 rubles. In addition, the cost of the tariff is determined by the selected network of medical centers and the age of the patient.

"For children"

For children, the VHI policy from Ingosstrakh has developed programs similar to those for adults. The main difference is the direction of work – pediatrics. The price range depends on the coverage, type of package, age of the child and data on the health questionnaire:

• Basic – 47,400 rubles;
• Standard – 57,500 rubles;
• Optimal – 67,100 rubles;
• Premium – RUB 71,200;
• Platinum – 83,700 rub.

Although the cost of the “Platinum” package is high, it includes all medical care services, a doctor’s house call, emergency visits and a personal specialist.

"Pregnancy and childbirth"

The program involves choosing one or including both tariffs:

• Pregnancy management - involves visiting the expectant mother, laboratory examinations, diagnostic procedures from the first weeks until the moment of birth (cost RUB 100,057);
• Obstetric care – management of labor and examination in the first days of the baby’s birth (RUB 77,940).

You are given a choice of visiting a specific clinic.

"Check yourself"

A territorial program that involves the provision of outpatient or diagnostic services. The policyholder must indicate the profile:

• For the stronger sex;
• For the weaker sex;
• General;
• Providing medical care for eye diseases;
• Cardiology;
• Disease in the gastroenterological system;
• Endocrinology.

After choosing a direction, you should apply with a VHI agreement for assistance within the scope of your profile. The amount of coverage is RUB 1,000,000. The policy premium is 5,600 rubles. Now you can purchase a contract in Moscow, Ufa, Sochi, St. Petersburg, Krasnodar, Kazan.

"AvtoMed"

An additional service is offered to choose from in addition to the main package, which is subject to high-quality provision upon presentation of a voluntary health insurance policy from Ingosstrakh.

When purchasing insurance, the car owner can receive qualified assistance after an accident:

• Departure of the ambulance team;
• Hospital placement;
• Outpatient services.

In addition to the driver, the package applies to family members and loved ones who were nearby during the incident. There is one age requirement - being classified as 1-65 years old.

Note! The cost of "Automed" is fixed and amounts to 1800 rubles per year.

For children, joint treatment in a hospital setting is provided if they are under 8 years of age.

The program provides dental services, physical therapy and massage.

"Virus.Net"

The policy provides protection against colds and flu with an insured amount of RUB 2,000,000. Persons aged 18-59 years are eligible for insurance.

The contract includes the provision of services:

• Vaccination procedures - examination by a doctor, use of imported vaccines;
• Assistance in a medical facility - laboratory and instrumental research methods, physical treatment, examination by a specialist at home;
• Placement for inpatient treatment.

The ambulance team leaves within the boundaries approved by the organization.

The bonus under the program is 5,000 rubles.

Note! The Virus.Net policy implies an indication of the period for a temporary franchise within 15 days.

"Tick-borne encephalitis"

A convenient policy for gardeners, gardeners, travelers and people whose work involves visiting forest sites. The package provides two protection options:

• Allocation of monetary compensation - the risk of death, assignment of a disability group, prolonged treatment in a hospital (more than 7 days), the threat of infection as a result of the suction or bite of an Ixodid tick is included;
• Providing medical care - organizing outpatient clinical treatment with the possibility of reimbursement of personal funds and inpatient diagnostic, rehabilitation, and health procedures.

All family members are allowed to be included in one contract. The advantage of the policy is that you can register it yourself on the insurer’s website with subsequent payment and sending the document to your email address.

Enterprise organizations can use a set of the following programs:

• Emergency help;
• Outpatient services;
• Help on the territory of Russia;
• Additional programs.

Each package includes its own subprograms that can be included in the VHI policy. Therefore, when registering, the policyholder is offered the choice of drawing up his own tariff.

The Emergency Assistance program is divided into 3 types:

• Emergency medical care – within the framework of the contract, the services of a medical team are provided, when appropriate measures are taken against the patient, diagnostics are carried out using quick methods and, if necessary, delivery to a medical facility is carried out. The territory for departure is determined by the medical assistance service, which provides services on the basis of contractual relations with Ingosstrakh in the region.
• Emergency and planned inpatient care - combines the items of the emergency care package with the addition of planned treatment in a hospital setting. It is possible to use intensive therapeutic actions, the intervention of surgeons, resuscitators and general specialists.

• Emergency inpatient care – diagnosis, treatment, operations to install prostheses in a hospital setting, when a person is entitled to consultations with doctors, studies for further prescription of drugs and subsequent interventions. The package includes physiotherapy, classical massage, chiropractor services, exercise therapy, acupuncture, and payment for medications while in the hospital. If possible, the ward is designed for two patients, and for children with illness, co-location is provided up to the age of 3 years. As a result, a certificate of incapacity for work is issued.

Service in a clinic of a wide specification according to the tariff plan provides for the marking of the subroutine:

• The “Be Healthy” polyclinic provides medical services on the basis of the Ingosstrakh company’s own clinics. In addition to general tests, diagnostic procedures and examinations, an appointment with a dentist is included (an expanded range of dental treatment operations).
• Specialized dentistry - a full list of dental services from doctors of the highest category.

The tariff plan “Help on the territory of Russia” provides for the inclusion of a package of assistance within polyclinics with dental treatment and emergency medical care in a hospital.

As additional options, we offer the provision of prescription medications from specialists serving clients with a VHI policy. Issue is carried out in the institutions “Rigla” and “Be Healthy”.

VHI at Ingosstrakh - List of Clinics in Moscow, St. Petersburg, Ufa and Novgorod

If you want to get acquainted with the list of clinics serving clients under Ingosstrakh policies, you need to open the company’s website or contact the office. On the insurer's website, the search is carried out according to the following scheme:

• Open the VHI section in the “Types of insurance” menu;
• Scrolling down the page, open the item “Documents and useful information”;
• Click on the option ;
• Check the city settings in the upper right corner;
• To quickly navigate, indicate the street or metro in the appropriate line.

The addresses of Be Healthy’s own clinics are presented in the block of the same name. Here you can see photos of the centers.

In the case of rehabilitation recovery, you should go to this section after opening the VHI page and clicking on the link after the description of the services in this area.

Voluntary Medical Insurance Policy at Ingosstrakh - Calculator for Calculating the Cost of a Medical Policy

The service allows you to quickly conclude a health insurance contract (a simple policy is issued within 3 minutes). To open the calculator you need to follow the steps:

1. In the “VHI” block on the insurer’s page, find the “Online VHI policy” item;
2. Click on the button;
3. At the bottom of the page, fill in the main fields for options (city, number of insured, their dates of birth and gender) and add health data;
4. Select a program by indicating the policy amount.

When moving the insurance amount, the content of the selected program will be displayed, which allows you to adjust the package and the final cost of the contract.

VHI at Ingosstrakh - Online Registration and Purchase of Policy

When the client is satisfied with the program when using the calculator, you can click on the “Calculate” command. The service will ask you to enter the policy validity period and information about the insured:

• Passport details;
• Date of birth;
• Place of residence;
• Contact information.

To quickly go to the calculator, there is a link to online services, after opening which you will need to fill out the fields to calculate the premium.

If you want to adjust your own program or clarify the specifics of the contract, you should send a request to review the preliminary questionnaire:

• After opening the “VHI” block, find the “VHI in Russia” item;
• Click on the “Submit Application” link;
• Type in the required lines the city, name, email address, telephone number for contact, time period for the call;
• By clicking on the “Send” command, all you have to do is wait for the company specialist to call.

When communicating with a consultant, the total amount for the policy will be announced, taking into account the insurance program.

Questions and answers regarding VHI at Ingosstrakh - Documents and Application

The Ingosstrakh website has a section that describes answers to popular questions regarding voluntary health insurance. To open, after opening the VHI block, click on the item. Information is also available at the bottom of this page.

Facebook users who have a company account can get answers to common questions (the site has the “Write to Facebook” option). It is acceptable to subscribe to the Ingosstrakh page on the social network VK.com, Odnoklassniki.ru or the YouTube channel.

Among the clinics where our insured are served:

Moscow

Outpatient department of City Clinical Hospital No. 24 of the Moscow Department of Health, st. Pistsovaya, 10
Outpatient department of the Federal State Health Institution "Clinical Hospital No. 85 of the Federal Medical and Biological Agency of Russia" st. Moskvorechye, 16
Outpatient and advisory department of the Federal Scientific and Clinical Center of the Federal Medical and Biological Agency of Russia, Federal State Budgetary Institution Orekhovy Blvd., 28
Outpatient department of the Federal State Institution "Federal Medical Center named after A.I. Burnazyan" st. Marshala Novikova, 23
Outpatient department of Federal State Healthcare Institution Clinical Hospital No. 86 FMBA of Russia st. Gamaleyi, 15
ANO "GUTA-Clinic" Fadeeva St., 2
JSC "Treatment Center" st. Timur Frunze, 15/1
State Budgetary Healthcare Institution "City Clinic No. 3" of the Moscow Department of Health, Ermolaevsky Lane, 22/26
GBUZ "MNPC of Medical Rehabilitation, Rehabilitation and Sports Medicine" st. V. Krasnoselskaya, 21
State Institution "Central Clinic of the Federal Customs Service of Russia" Shosse Entuziastov, 42
State Healthcare Institution Medical and Sanitary Unit No. 2 of the Moscow Department of Health, st. 1st Sokolnicheskaya, 8
CJSC "Koopvneshtorg" B. Cherkassky lane, 13
Clinic "DOCTOR - 2000" Gazetny lane, 3, building 1
Clinic "Inpromed" Yablochkova str., 21, building 3
Clinic "K 31 City" BC "Moscow City" (North Tower) st. Testovskaya, 10, 1st entrance
Clinic "Central" Myasnitskaya st., 13, bldg. 13-13A-14
Clinico-diagnostic center "Euromedservice" 4th Verkhniy Mikhailovsky lane, 10, building 6,
Clinical Diagnostic Center "Arbatsky" Federal State Budgetary Institution "N.M.C.C. named after. N.I.Pirogov" Ministry of Health of Russia Gagarinsky p., 37/8
Clinical diagnostic center "AstraMed" st. Aviamotornaya 53, building 1
Clinical Diagnostic Center "Izmailovo" Izmailovsky Blvd., 58
Clinical Diagnostic Center "Izmailovsky" Federal State Budgetary Institution "N.M.C.C. named after. N.I.Pirogov" Ministry of Health of Russia st. Nizhnyaya Pervomaiskaya, 65
Clinical Diagnostic Center Medsi on Belorusskaya Gruzinsky Lane, 3, bldg. 2
Treatment and diagnostic center "Kutuzovsky" st. Davydkovskaya, 5
Medical diagnostic center "Olympus" st. Udaltsova, 77
Medical and Sanitary Unit No. 7 at Federal State Budgetary Institution Clinical Hospital No. 119 FMBA of Russia st. Novozavodskaya, 14-A
Medical and sanitary unit No. 33, Moscow Malakhitovaya st., 16-18
Medical clinic "Family Doctor"
Medical rehabilitation center "Health for You" (Clinic 31) Lobachevskogo str., 42, building 4
Medical center "Alliance Medical" Kutuzovsky prospect, building 1/7, room 147
Medical center "Profmedical assistance" st. Minusinskaya, 3
Medical center in Kolomenskoye (MCC) st. Vysokaya, 19, building 2
International clinic "Medsi" Mira Ave., 26, building 6
International Hospital Medical Center "Intermedcenter" 4th Monetchikovsky Lane, 1/6, building 3, Mira Avenue, 26, building 5
International Center for Health Protection of Igor Medvedev, Oktyabrskaya str., 2/4
MU Polyclinic of the Federation of Independent Trade Unions of Russia Leninsky Prospekt, 37
NUH "Nodal clinic at Losinoostrovskaya station of JSC Russian Railways" Anadyrsky Prospect, 10, building 2
JSC "Medicine" 2nd Tverskoy-Yamskoy lane, 10
LLC "New Polyclinic" Sretensky deadlock, no. 4
PateroClinic Mira Avenue, 211, building 2
P-ka No. 6 JSC "Medical Services" Kolskaya St., 2
Polyclinic "Medroskontrakt" st. Mezhdunarodnaya, 19
Polyclinic "MosItalMed" st. Arbat, 28
Polyclinic No. 1 RAS Sretensky Boulevard, 6/1
Clinic No. 220 st. Zamorenova, 27
Polyclinic No. 2 of the Ministry of Economic Development of the Russian Federation Lomonosovsky Prospekt, 43
Polyclinic and center for restorative medicine and rehabilitation of the Federal State Institution "Treatment and Rehabilitation Center of the Ministry of Health and Social Development of Russia" Ivankovskoye sh., 3
Polyclinic of the Ministry of Agriculture of Russia Orlikov lane, 1/11
Polyclinic Medical Unit No. 1 AMO ZIL st. Avtozavodskaya, 23
Polyclinic of the association Goznak st. Mytnaya, 19
Polyclinic of the First Moscow State Medical University named after. I.M. Sechenov st. Mozhaisky Val, 11
Polyclinic RGSU st. Stromynka, 18 building 4
Polyclinic of the Federal State Institution "Clinical Hospital No. 1 UDP of the Russian Federation" st. Starovolynskaya, 1
Polyclinic of the Federal State Institution "Central Clinical Hospital with Clinic" st. M. Timoshenko, 15
Polyclinic of the Federal State Institution "Clinical Hospital No. 84" FMBA of Russia Abelmanovskaya st., no. 4
Polyclinics of the Central Clinical Hospital of the Russian Academy of Sciences st. Fotieva, 10, Litovsky Boulevard, 1A
Polyclinic department of the Federal State Institution Central Clinical Hospital of Civil Aviation Ivankovskoye sh., 7
Russian-Israeli Medical Center "RAMBAM" st. Obraztsova, 11, building 2
Network of clinics "Nearmedic"
Network of clinics "Policlinika.ru"
Network of clinics "Chaika"
Network of clinics "European Medical Center"
Network of primary care clinics "Medsi"
Network of clinics of the Federal State Budgetary Institution "9th Treatment and Diagnostic Center" of the Russian Ministry of Defense st.
Network of medical centers "Medswiss" with Zhukovka, Zhukovka village, 123 B, st. Lenivka, 4/8, M. Tolmachevsky lane, 8, Nagorny proezd, 6, Leontyevsky lane, 1
Network of medical centers "GOMO-89"
Network of medical centers "Dobromed"
Network of medical centers "Crede Experto"
Network of medical centers "Medkvadrat"
Network of medical centers "Yuzhny"
IMMA network of medical centers
Network of clinics of OJSC "Russian Railways"
Network of Family Medical Centers (Dento-El)
Network of branches of City Polyclinic No. 209 DZM
Scandinavian health center 2nd Kabelnaya st. , D 2
FBU Medical and Sanitary Unit "Centromed" Ministry of Industry and Trade of Russia B. Afanasyevsky lane, 11-13
Federal State Budgetary Medical Institution "Medical Center of the Ministry of Defense of the Russian Federation" (former Spetsstroy center) st. Krzhizhanovskogo, 24/35, building 6
Federal State Budgetary Institution "United Hospital with Clinic" Michurinsky Prospekt, 6
Federal State Budgetary Institution "Federal Medical Center" of the Federal Property Management Agency st. Kalanchevskaya, 3
Federal State Budgetary Institution Polyclinic No. 5 UDP of the Russian Federation, Plyushchikha St., 14
FSBI "Hospital with a polyclinic UDP of the Russian Federation" Romanov lane, 2/6
FGLPU "Polyclinic of the Federal Tax Service" st. Nizhegorodskaya, 28
Federal State Research Center for Preventive Medicine of Roszdrav Petroverigsky lane, 10
Kitaigorodsky pr., 7
Federal State Institution Polyclinic No. 3 UDP of the Russian Federation Grokholsky lane, 31
Federal State Institution Polyclinic No. 4 MC UDP RF Kutuzovsky Prospekt, 20
Federal State Institution Polyclinic No. 2 MC UDP RF st. 2-ya Frunzenskaya, 4
Federal State Budgetary Institution Polyclinic No. 1 MC UDP RF lane. Sivtsev Vrazhek, 26/28
FGUZ Central Medical and Sanitary Unit No. 119 FMBA Sushchevsky Val, 24
FGUZ Central Medical and Sanitary Unit No. 165 FMBA RUSSIA Kashirskoye Shosse, 13G
Branch No. 3 of the State Budgetary Healthcare Institution "City Clinic No. 3" of the Department of Health of Moscow Bolshoy Nikolopeskovsky per., 4, building 1
Branch No. 6 GVKG named after academician N.N. Burdenko Ministry of Defense of the Russian Federation (formerly LDC 12) st. Skryabina, 3
st. 7th Parkovaya, 31/1
Branch No. 6 of the Federal State Institution "3 Central Military Clinical Hospital named after A.A. Vishnevsky of the Russian Ministry of Defense" (former KDP No. 9 of the Moscow Region) st. Marshala Tukhachevsky, 56, building 2
Branch No. 6 of the Federal State Institution "3 Central Military Clinical Hospital named after A.A. Vishnevsky of the Russian Defense Ministry" (former clinic No. 39 of the Navy) st. Skakovaya, 16
branch No. 6 of the Federal State Institution "3 Central Military Clinical Hospital named after A.A. Vishnevsky Ministry of Defense of Russia" (formerly 52 CDC) st. Planetnaya, 3, building 3
Branch Medincenter at GlavUPDK 4th Dobryninsky lane, 4
Branch of the Federal State Budgetary Institution "Medical and Wellness Center of the Ministry of Foreign Affairs of Russia" - Polyclinic Smolenskaya embankment, 2/2
Central polyclinic Litfond st. 1st Aeroportovskaya, 5
Swiss Medical Center st. Nikoloyamskaya, 19, building 1

The list of clinics is not exhaustive or final and may change depending on agreements reached.

Medical insurance within the compulsory medical insurance system is available to everyone. The compulsory medical insurance policy allows you to get free help, but you can wait endlessly for it, because the queue of sufferers sometimes stretches for months, for example. VHI insurance solves this problem, but the high cost of the policy often scares away potential clients. What kind of VHI programs are there and can an ordinary Russian afford voluntary health insurance?

VHI programs differ from each other not only in cost, but also in the list of services, the list of medical institutions that can provide medical care, and the volume of this assistance. A VHI policy can only include those services that the client needs; the cost of insurance largely depends on their quantity and the reputation of medical institutions.

How are the conditions for voluntary health insurance programs determined?

Almost all proposals for voluntary health insurance are formed according to standard schemes. Thus, the insurance company independently determines the list of basic services provided, to which additional procedures or medical services may be added, agreed individually with the client.

The main services of basic VHI programs usually include outpatient treatment, hospital services, house calls, dental treatment and emergency care. There are quite a lot of restrictions in such policies. Here are just a few of them:

• the basic programs do not provide for expensive types of diagnostics (a number of tests, tomography or specialized studies that require unique reagents);
• hospital services are usually limited in time (usually 10-15 days);
• The policyholder can call for emergency assistance no more than a certain number of times (3/5) for a specific period (week/month).

Insurance companies also sometimes offer 24-hour assistance through an on-call telephone number (“medical console”). In this case, the dispatcher will be able to provide advice on general issues, call an ambulance, or make an appointment with a specialist. Each client is supervised by a manager; if necessary, he will help resolve controversial issues or guide the insured person during the occurrence of an insured event.

In addition to the main offers, insurers are bringing to the market special products aimed at helping in special cases. These include voluntary health insurance policies for older people; pregnant women; family programs; assistance programs for athletes and tourists; accident assistance programs; protection against ticks; policies for rehabilitation treatment in sanatoriums or foreign clinics. The insurance premium in such programs can be tens of times higher than the basic one.

Comparative analysis of VHI programs

In order to clearly see how the VHI programs offered by various insurance companies differ, below are comparative tables with the characteristics and cost of the services offered.

Ingosstrakh company.

One of the largest and oldest insurance companies in Russia, with a high reliability rating of A++. Here are the main voluntary health insurance programs offered by Ingosstrakh:

The main voluntary insurance programs of the Ingosstrakh company

Services included in the program	Base	Standard	Optimal	Premium	Platinum
clinic	+	+	+	+
dentistry	for extra fee	+	+	+	+
personal doctor	-	-	-	-	+
emergency hospitalization	-	-	+	+	+
medicines (“Rigla Pharmacy”)	for extra fee	for extra fee	for extra fee	+	+
inpatient care in Russia	-	-	+	+	+
Cost, rub.	37,700 - 96,400 rub. and more	48,200 - 118,700 rub. and more	59,900 - 140,600 rub. and more	64,700 - 148,500 rub. and more	71,700 - 160,300 rub. and more

A significant difference in the cost of care between policies of different types is formed due to the list of services and the reputation of health care facilities that provide services to the insured person.

Among the advantages of purchasing a voluntary health insurance policy from Ingosstrakh are:

• the possibility of treating certain diseases that are often excluded from other insurance programs (diabetes, epilepsy, skin, occupational diseases);
• conducting expensive types of diagnostics (hormonal, genetic studies);
• dental treatment without additional payments;
• 24-hour dispatcher assistance by phone;
• its own network of clinics “Be Healthy”;
• high level of service;
• payment for hospital services if the contract expires during this period;
• system of discounts when purchasing VHI policies;
• availability of special offers.

Company "RESO-Garantiya"

A large insurance company that provides a wide range of services and has a high reliability rating of A++. Here are the main voluntary health insurance programs offered by Reso-Garantia:

Main voluntary health insurance programs of the RESO-Garantia company

The total cost of the voluntary health insurance policy offered by Reso-Garantiya also depends on the reputation of the level of treatment medical centers. At the same time, the basic voluntary insurance program “Doctor RESO” includes the following services:

• outpatient services;
• medical care at home;
• ambulance.

In addition to basic insurance, your VHI policy can include:

• diagnostics for adults and children;
• dental treatment;
• emergency hospital.

Among the advantages of purchasing a voluntary health insurance policy from the RESO-Garantiya company are:

• the ability to call an ambulance or a doctor at home;
• receiving consultations an unlimited number of times;
• emergency assistance is provided throughout Russia;
• Individual discounts are possible in hospitals;
• the amount of the insurance premium does not change during the validity of the contract;
• possibility of paying the insurance premium in installments;
• 24-hour dispatch service;
• discount programs when concluding a VHI agreement;
• special policies for individual cases.

Rosgosstrakh company

The largest insurance company in Russia, which has been providing insurance programs since 1921. Works with private and corporate clients. The reliability rating is high - A++. Here are the main voluntary health insurance programs offered by Rosgosstrakh:

Main VHI programs of the Rosgosstrakh company

Services included in the program	VHI policy
doctor's appointment	+	+	+	+
tests	+	+	+	+
dentistry	-	+	+	+
calling a doctor at home	-	-	+	+
ambulance	-	-	-	+
emergency hospital	-	-	-	+
Cost, rub.	from RUR 13,242	from RUB 15,738	from 17,407 rub.	from RUR 32,929

Comprehensive medical insurance from the Rosgosstrakh company includes the following services:

• outpatient and outpatient activities;
• dentistry;
• ambulance;
• emergency hospital.

Depending on the quantity and quality of services, the status of medical institutions, the cost of VHI policies will vary.

The Rosgosstrakh company also offers clients special programs:

• for protection against tick bites;
• “Guest” package for foreign citizens;
• the “Health” program will protect against the consequences of injuries, acute or exacerbation of chronic diseases;
• “Protection against hepatitis” policy;
• assistance in case of an accident.

Here is a list of the main advantages of VHI from the Rosgosstrakh company:

• large selection of insurance programs;
• 24/7 help and support;
• highly qualified clinics and doctors;
• discounts and promotions when purchasing insurance;
• service in medical institutions throughout Russia;
• individual approach.

Russian Standard Insurance Company

Founded in 2003. Offers clients a variety of insurance products in different price ranges. “Russian Standard Insurance” offers the following VHI programs to its clients:

Main VHI programs of the Russian Standard Insurance company

Basic policy (includes clinic services, doctor's call home, ambulance)	Extended policy (basic policy + dentistry)
Clinic nearby	from 27,000 rub.	from 30,500 rub.
Guarantor of health	from 41,500 rub.	from 47,000 rub.
Medical standard	from 77,500 rub.	from 85,000 rub.
All inclusive	from 135,000 rub.	from 145,000 rub.

The cost of a voluntary health insurance policy offered by companies depends on the quality and quantity of events held and medical centers for treatment. The basic VHI program from the Russian Standard Insurance company includes the following services:

• doctors' appointments;
• tests, examinations;
• ambulance;
• calling a doctor to your home;
• registration of sick leave;
• restorative treatment.

You can expand the basic packages by adding the following services:

• emergency hospitalization;
• dental services.

You can add an emergency hospital to the selected policy, which will cost 4,000 - 19,000 rubles, depending on the type and quality of care.

Renaissance Insurance Company

Since 2008, it has been providing insurance services to individuals and legal entities. The company has proven itself in the field of travel insurance and has high reliability ratings. In the VHI segment, the Renaissance Insurance company offers several products, the cost of which changes when you connect and disconnect various options, and select certain medical organizations. Here is a comparative description of some of the programs offered by Renaissance Insurance

The main VHI programs of the Renaissance Insurance company

Services included in the program	VHI policy
doctor's appointment	+	+	+	+
tests	+	+	+	+
dentistry	-	-	+	+
calling a doctor at home	-	+	-	+
ambulance	-	-	-	-
emergency hospital	-	-	-	-
Cost, rub.	from RUR 13,286	from RUR 17,571	from 19,000 rub.	from RUR 20,428

For an additional fee, you can add ambulance and emergency hospital services.

Instead of a conclusion

An analysis of voluntary health insurance offers offered by various insurance companies shows a very wide variation in both the volume of services and the cost of the policy. Obviously, it is not possible to derive some average values ​​in this case - in some cases, the choice of a particular program will be more likely determined by the policyholder’s need for certain services, rather than by the basic package of services offered by the insurance company.

However, the choice of an insurance company and insurance program must be approached responsibly. Of great importance is the reliability of the organization, on which the volume and quality of medical services received depends. After all, it is the company that will supervise every step of the insured person and the work of doctors, in controversial situations will represent and protect the interests of the client and guarantee (or not guarantee) payment of compensation for the insured event in full.

Smart insurance

Network of clinics "MEDSI" | Prices

Clinic network programs for children and adults

List of abbreviations

• AMS - outpatient care;
• HDPE - help at home;
• Stoma. - dentistry;
• SMP - emergency;
• CDC - consultation and diagnostic center;
• checkpoint - clinics;
• HDL - personal pediatrician.

Clinic "MEDSI" | Prices

Adults
№№	The name of the program	Filling	Price	Description
1	"Optima Gearbox"	APP+Stom+PND MKAD	87 210	Description of the program, download
		APP+Stom	82 190		APP+PND MKAD	75 120	AMS	70 100
		2	"STANDARD GEARBOX"		APP+Stom+PND MKAD	99 400	Description of the program, download
					APP+Stom	94 380		APP+PND MKAD	82 900	AMS	77 880
3	"STANDARD KPP and CDC"			APP+Stom+PND MKAD	168 440	Description of the program, download
				APP+Stom	162 160			APP+PND MKAD	142 670	AMS	136 380
		4	"SMP (additional to the program)"	SMP MKAD	11 220		Description of the program, download
				SMP 10	13 420			SMP 30	17 830	SMP 50	22 250

Children
№№	The name of the program	Age	Price	Description
Age	Business (within the Moscow Ring Road)	Business Plus (within the Moscow Ring Road)
0 - 1	RUB 176,100	RUB 217,500
1 - 3	RUB 110,200	RUB 136,100
3 - 7	RUB 103,500	RUB 127,900
7 - 18	RUB 92,600	RUB 114,300
Age	Business (up to 30 km from MKAD)	Business Plus (up to 30 km from MKAD)
0 - 1	RUR 218,900	RUB 281,800
1 - 3	RUB 145,900	200 400 rub.
3 - 7	RUB 132,100	RUB 177,900
7 - 18	RUB 121,100	164,300 rub.

Why MEDSI Clinic?

Typically, the total cost of visits to the clinic for the year is higher than the cost of the policy. Then why overpay? The VHI policy covers the amount of treatment up to 2,000,000 rubles/year. The company guarantees the provision of high-quality service under the VHI policy in the MEDSI network of clinics within the insured amount during the insurance period.

Today, the MEDSI clinic network is:

• 22 medical centers in Moscow and the Moscow region;
• more than 100 medical and specialized medical institutions throughout Russia;
• 76 doctors of medical sciences, 432 candidates of medical sciences and more than 2 thousand medical specialists.

The MEDSI clinic does everything possible to instill in its patients the right attitude towards their own health, as well as towards disease prevention. In order to reduce risks and minimize the possible development of the disease, the main emphasis in clinics is on prevention and early diagnosis of diseases.

MEDSI clinics use uniform global standards in combination with the experience and practice of highly professional domestic and foreign specialists. The MEDSI clinic network has established itself as a reliable partner that fulfills its obligations.

MEDSI clinics are, of course, new traditions and standards in serving their patients.

Short story

1996 (creation of MEDSI CJSC) on the basis of Polyclinic No. 6 of MOSGORZDRAVOTDELA, which specialized in serving foreign citizens. It was then, in 1996, that the MEDSI clinic began its active development. On the basis of the existing clinic, the MEDSI Clinical Diagnostic Center (CDC Clinic MEDSI on Belorusskaya) was organized. In accordance with the best medical traditions, the country's leading medical specialists work here. Today, CDC MEDSI on Belorusskaya is a highly qualified medical staff, which includes 12 doctors of science, 36 candidates of science, 250 specialists of the highest category.

2005 – opening of the MEDSI II children's clinic on Bolshaya Pirogovskaya;

2007 - opening of the MEDSI Clinic on Derbenevskaya embankment;

2009 - a MEDSI hospital was opened on the basis of the Centrosoyuz Design Bureau;

2019 – today there are 22 branches in Moscow and the Moscow region, the addresses of which you can see below:

VIEW MEDSI ADDRESSES

CDC MEDSI ON BELORUSSKAYA: Moscow, Gruzinsky lane, 3a, st. m. Belorusskaya INTERNATIONAL MEDSI: Moscow, Prospekt Mira, 26, building 6, art. m.Prospekt Mira CHILDREN'S MEDSI ON PIROGOVSKAYA: Moscow, st. Bolshaya Pirogovskaya, 7 CHILDREN'S MEDSI IN Blagoveshchensky Lane: Moscow, Blagoveshchensky Lane, building 2/16 building 1 FAMILY MEDICINE CORPORATION MEDSI: Moscow, 1st Magistralnaya St., 13, building 7 MEDSI IN Blagoveshchensky Lane: Moscow , Blagoveshchensky lane, house 6, building 1 MEDSI IN BUTOVO: Moscow, Starokachalovskaya, 3, building 3, st. m. Boulevard Dmitry Donskoy MEDSI IN KRASNOGORSK: Krasnogorsk, Krasnogorsk, st. Uspenskaya, 5 MEDSI IN MARINO: Moscow, st. Marshala Golovanova, 1, building 2, st. m. Maryino MEDSI IN MITINO: Moscow, Pyatnitskoe highway, no. 37, art. Mitino MEDSI IN SKATERTNY LANE: Moscow, Skatertny Lane, 10-12 building 1, floor 7 MEDSI IN STUPINO: Stupino, st. Andropova, 64 MEDSI IN KHOROSHEVSKY PROJECT: Moscow, 3rd Khoroshevsky Proezd, building 1, building 2 MEDSI IN SHCHELKOVO: Shchelkovo, st. Komsomolskaya, 5 MEDSI ON DERBENEVSKAYA EMBANKMENT: Moscow, Derbenevskaya embankment, 7, building 22, 2nd floor, st. m.Paveletskaya MEDSI ON LENINGRADSKY AVENUE: Moscow, Leningradsky Prospekt, 52 MEDSI ON POLYANKA: Moscow, st. Malaya Polyanka, 7/7, building 1, st. m.Polyanka MEDSI ON PRECHISTENKE: Moscow, Zubovsky Blvd., 22/39, st. m. MEDSI Culture Park ON SOLYANKA: Moscow, Solyanka street, building 12, building 1, art. m.Kitai-Gorod MEDSI CLINICAL HOSPITAL IN BOTKINSKY PROJECT: Moscow, Botkinsky Proezd, building 5, buildings 3 and 4 MEDSI GROUP OF COMPANIES CJSC: Otradnoe, Moscow region, Krasnogorsky district, pos. Otradnoye, Pyatnitskoye highway. 6th km MEDSI CLINICAL HOSPITAL ON MICHURINSKY PROSPECT: Moscow, Michurinsky Prospect, building 56, (Medical unit No. 47)