VTB medical insurance policy. Medical insurance at VTB

JSC VTB Medical Insurance provides services for issuing compulsory and voluntary health insurance policies. The company is one of the Top 10 insurers in this area, having more than 20 years of experience.

Compulsory medical insurance policy at VTB Insurance

The compulsory medical insurance policy at VTB Medical Insurance provides for the client to receive medical care at the place of residence, and basic care throughout the country.

In the presence of compulsory medical insurance policy is entitled to free treatment and services in institutions included in the program. Get a list of these medical organizations You can do it yourself through the VTB website. Each citizen is entitled to only one compulsory medical insurance policy. When providing it, VTB is obliged to familiarize the client with the rules of its use, the rights of the insured and the features of the provision of services.

Today there is a single type of insurance, but those who took out the policy earlier can use it until it is replaced or until a single electronic card is issued.

Document new form First of all you receive:

upon first registration;
newborns;
loss of current certificate;
the need to replace the old one due to a change of surname, place of residence, or if an error is discovered in the old one.

What is included in compulsory medical insurance

Standard compulsory medical insurance program VTB Medical Insurance complies with the requirements of the law.

It includes free support in the following form:

Primary. Prevention, examination, treatment, pregnancy monitoring, as well as educating the population regarding health support and compliance with sanitary standards.
Specialized, high-tech. Includes all types of support that involve complex techniques and special technologies. High-tech can include any methods: unique, resource-intensive, genetic engineering, cell technology. The application of scientific achievements in the field of medicine and other fields, for example, robotic mechanisms, information technology, is available.
Ambulance. Finds himself outside a medical institution or in a hospital setting when an emergency occurs that threatens the health and life of the insured. Evacuation is activated.
Palliative. A set of measures to alleviate the condition of a terminally ill patient.

Providing assistance is indicated urgently if there is a threat to life, urgently, with unexpected manifestations of the disease, and plannedly, when a delay does not entail critical consequences.

What does the insurance company pay for?

VTB medical policy Insurance in the basic area provides free help for such diseases:

Infections;
Neoplasms;
Eating disorders;
Endocrine system;
Uric;
Sexual;
Musculoskeletal;
Blood;
Immune;
Eye diseases;
Respiratory organs;
Skin;
Digestion;
Injuries, poisoning;
Mental and nervous disorders;
Developmental defects;
Pregnancy, childbirth, abortion;
Observation of newborns;
Any deviations from the normal state.

Those insured under compulsory medical insurance have the right to count on medications, examinations, and medical examinations.

pregnant women: to check the degree of fetal development;
newborns: for the presence of diseases;
orphans, foster children, staying in a hospital - for medical examination;
minors: for systematic examinations.

Methods for applying for a compulsory medical insurance policy

Insurance VTB company Medical Insurance issues policies according to generally established rules.

Application at the office at your place of residence

You can contact any VTB office depending on your place of residence. To do this, you must submit an application to select a CMO.

It should indicate:

personal information about the insured, passport, SNILS number, place of registration and residence, contacts;
information about the representative (for example, about the parent applying for compulsory medical insurance for the child);
the name of the service company at the time of submitting the application (if you want to change it);
selecting the type of health insurance policy: paper, electronic, UEC, refusal.

You must have an identity card and SNILS with you. The VTB Insurance representative accepts the application and marks acceptance. If you are applying for a policy for the first time, VTB issues a temporary certificate. It has all the powers insurance policy and can act as a replacement if necessary to obtain medical care. It is valid until the certificate is received, but not more than 30 days. If an application is submitted for a replacement, a temporary document is not issued and the old policy is valid until the new one is issued.

Submitting an online application

Apply for compulsory medical insurance at VTB Insurance is also available through online application or by calling a company specialist to your home.

The second case is provided for individual subgroups:

WWII participants;
disabled people;
large families.

Electronic appeal occurs through the VTB Medical Insurance website. You will need to write down personal and passport information, residential address, region, phone number, etc. in the form.

After sending the application, a VTB employee will call the user and advise on further actions. In particular, you will need to collect documents, a list of which he will announce, and agree on a time to visit the office to transfer them. He will also advise on the need to obtain a temporary policy.

Only citizens of the Russian Federation can use the service. For foreigners, refugees and other categories, this opportunity is temporarily unavailable.

They will need to contact the VTB Medical Insurance department in person. It’s worth checking first required package documents by telephone, since for these individuals it is somewhat different.

Receiving compulsory medical insurance using a promotional code

To make the compulsory medical insurance policy cheaper, some are ready to use a promotional code from VTB Medical Insurance. Promo code provided third-party organizations, more often online stores. To receive a promotional code, you must complete a purchase of a product or service or perform another action. Today you can find a promotional code with a discount of up to 15% on compulsory medical insurance. They also offer a promotional code for CASCO, OSAGO, travel insurance, property insurance, etc.

Issuance of medical policies in Moscow

Those who apply to VTB Medical Insurance in Moscow are offered in addition to insurance plastic card. It is not a replacement for a medical policy, but acts as some kind of addition. You can use the card to make an appointment with a doctor at a Moscow clinic through information machines. You can find out more about the card's capabilities by calling VTB in Moscow. Today, in other cities except Moscow, plastic is not issued.

Number to check the readiness of the policy

The process of obtaining compulsory medical insurance at VTB Insurance takes several days. At the same time, using the number of the issued certificate, you can check at what stage of execution it is. To do this, you need to click on the Check readiness button on the company’s website and enter the number.

Conclusion

VTB Medical Insurance accepts applications for compulsory medical insurance in person or online. Using the compulsory medical insurance policy number from VTB Medical Insurance, you can check its readiness on the website. In Moscow, in addition to insurance, it is permissible to obtain a plastic card. The procedure and form for providing medical services under compulsory medical insurance at VTB Insurance complies with the norms of the law.

Only for customers with online accounts, in any location convenient for you:

buy an impersonal precious metal from a bank for Russian rubles;
sell the bank an unallocated precious metal for Russian rubles;
transfer precious metals to other impersonal accounts opened in your name at VTB in the same metal.

You can top up your metal account:

When buying metal from a bank. Your account will be credited with an amount of precious metal equivalent to the amount paid in rubles, based on the current VTB sales rate. Moreover, the amount of metal purchased is not limited by the weight standards of the ingots (as in the case of a physical purchase) and depends only on your desire.
By transferring metal from other compulsory medical insurance in the same metal, opened in your name at VTB.

Expense transactions under compulsory medical insurance:

You can sell precious metal to the bank from your compulsory medical insurance for Russian rubles at the VTB purchase rate. Equivalent Money for metal will be debited from your current account.

You can also transfer precious metal from one compulsory medical insurance to another. It is important that both compulsory medical insurances are opened in your name at VTB in the same metal.

Features of operations with compulsory medical insurance:

minimum amount of purchase and sale of precious metal:
- for silver - at least 1 g;
- for gold, platinum and palladium - minimum 0.1 g;
- there is no minimum minimum balance;
interest on the balance of precious metal on compulsory medical insurance is not accrued;
account transactions are carried out without physical delivery of metal, i.e. acceptance and delivery of precious metals in the form of bars and coins (in physical fitness) are not produced;
the term of the depersonalized metal account agreement is not limited;
transactions on the account are carried out in accordance with the bank’s tariffs;
Storing funds on compulsory health insurance is not subject to the law on deposit insurance individuals, accordingly, they are not covered by the guarantees of the deposit insurance system, of which VTB is a participant.

The bank is not a tax agent for transactions with compulsory medical insurance, i.e. You independently calculate and pay tax on the sale of impersonal metal:

Art. 226 Tax Code The Russian Federation establishes that the calculation of amounts and payment of tax are carried out by the tax agent in relation to all income of the taxpayer, the source of which is the tax agent, with the exception of income in respect of which the calculation and payment of tax are carried out in accordance with Art. 228;
Art. 228 of the Tax Code of the Russian Federation determines the need for individuals to independently calculate and pay tax on amounts received from the sale of property (in this case, from the sale of impersonal metal) owned by individuals.

Residents of the Russian Federation

They calculate and pay tax on income from transactions with impersonal metal accounts at a rate of 13% (clause 1 of Article 224 of the Tax Code of the Russian Federation). If the metal was owned for less than 3 years, the tax base may be reduced by property tax deduction in the amount of up to 250,000 rubles (clause 1, clause 1, article 220 of the Tax Code of the Russian Federation).

If the metal has been owned for more than 3 years, income from its sale is not subject to personal income tax (clause 17.1 of Article 217 of the Tax Code of the Russian Federation).

Non-residents of the Russian Federation

They calculate and pay tax on income from transactions with impersonal metal accounts at a rate of 30% (clause 3 of Article 224 of the Tax Code of the Russian Federation).

What is meant by the concept of “voluntary” health insurance", what are the features of such a policy in VTB Insurance? What can the insured person expect, what nuances should be taken into account, are there any specific features of insuring migrants and corporate clients - let’s look at the main questions that arise among the population.

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What it is

The VTB Insurance company offers its clients whole line insurance packages, including VHI (voluntary health insurance).

VHI is personal insurance, thanks to which you can fully or partially cover the costs of medical services to the insured person in the event of health problems. The payment rules are described in the insurance contract.

Classic VHI is designed for individuals and company employees who want to receive high-quality medical care services, as well as have the opportunity to be served in a medical institution with a good reputation.

When applying for voluntary health insurance at VTB, insured clients receive access not only to services in medical institutions high level, but also the opportunity to get an appointment with a specialized specialist, etc.

Among the opportunities for persons purchasing a VHI policy are receiving outpatient clinical care:

reception and consultation of specialists;
laboratory, instrumental and diagnostic research;
physiotherapeutic treatments;
massage treatments;
manual therapy;
conducting an examination of temporary disability;
obtaining medical certificates;
security medical care in the hospital.

Consultations and diagnostics are organized and paid for at research institutes and specialized centers, if there is a referral from the medical institution that served the patient (policy holder), and such an event is agreed upon with the insurance company.

Additional services include:

examination by a doctor at home;
providing assistance at home.

Dental care services include:

appointment and consultation with a dentist;
carrying out physiotherapeutic procedures;
provision of functional diagnostic services;
therapeutic care (treatment of teeth and oral mucosa);
surgical intervention (for diseases and injuries of the maxillofacial areas, tooth extraction).

The inpatient care program includes:

hospitalization;
provision of ambulance services (including emergency procedures);
transportation of the owner of the VHI policy to medical institutions and back, provided that hospitalization is not necessary.
Treatment in a hospital setting, conducting research, diagnostics and receiving other services from a medical institution.

VHI policy for corporate clients

Voluntary health insurance is an excellent chance for an enterprise to attract employees, as well as improve the quality of their work, as the health of personnel is monitored and supported.

Insurance company clients pay attention to the fact that employers pay less when insuring their employees than individuals (if they bought the policy themselves). It turns out that companies manage to save on insurance.

The bottom line is that enterprises purchase insurance at the moment when staff will soon need to undergo a medical examination, and citizens purchase voluntary health insurance for the purpose of the possible appearance of insured event.

To obtain profitable insurance, it is worth negotiating with the head of the company so that he, on behalf of the company, draws up an agreement with the insurance company.

Insurers are well aware of this cunning of clients, and therefore leave a warning that with frequent visits to a medical facility, the amount of the insurance policy will jump.

Policy benefits

The insurer offers:

Network programs that include several medical institutions same price range. This is an opportunity to choose a clinic that is closest to you, and also to remove dependence on medical equipment and the availability of a specialist in a particular institution. The waiting time is reduced significantly, since the client can make an appointment with the specialist who is least busy.
24-hour communication with the dispatch center, whose representatives will call ambulance, will help organize hospitalization, make an appointment with the right specialist at the designated time.
If it is not possible to receive a service in a regular medical institution, which is prescribed by a specialist, Insurance Company guarantees consultation and diagnostics in specialized centers.
Reducing the amount of starting insurance if the number of insured persons in the company increases.
Services to clients under corporate programs for relatives of insured personnel.

The VTB Insurance company has been operating since 2000. It also provides its services to enterprises of the military-industrial complex, wood processing companies, coal, chemical companies, etc.

Provides reinsurance of organization portfolios in international companies and has branches throughout Russia.

Representatives of the company convince us that a VHI agreement is drawn up in 15–20 minutes, and it is possible to calculate the cost of the policy using online calculators. The company's employees monitor the work of medical institutions that provide services to clients.

In addition to the advantages, it is worth pointing out the disadvantages of the VHI policy:

The validity of the policy is limited by territorial boundaries - the contract is valid only within Russia. If the insurance holder uses the services of a clinic abroad, the insurance company will not pay the costs of treatment and examination;
According to the contract, the insured person is provided with medical care at the expense of VTB Insurance. The same goes for drugs. But there is one caveat: if outpatient treatment is carried out, the citizen will have to pay for it from his own wallet. The company will cover the costs of medicines only if the treatment is carried out in a medical facility;
The organization does not guarantee payment of funds upon the occurrence of an insured event. Only treatment in a medical institution is paid for.

VHI for migrants

According to the laws and, approved on December 1, 2014, amendments were made to the Labor Code regarding the specifics of regulating the labor of foreign citizens and stateless persons who work within the Russian Federation. The government has obliged such persons to apply for voluntary health insurance.

In this case, data on voluntary insurance must be indicated in employment contract, concluded by the employer with migrants. The administration of the enterprise should not allow a foreigner to work who does not have a voluntary health insurance policy.

Visitors from:

Tajikistan;
Uzbekistan;
Turkmenistan;
Kyrgyzstan;
Moldova;
Ukraine;
The Republic of Belarus.

The insurance policy must include the following programs:

provision of medical care;
emergency services.

After purchasing insurance, treatment and diagnostics will be provided free of charge according to the conditions described in the contract. The cost of a VHI policy for a migrant with a minimum of services is 900 rub..

In accordance with the insurance, assistance is provided in the following cases:

for soft tissue injuries;
for fractures of bones and joints;
for burns;
for frostbite (3rd and 4th degree);
for injuries of internal organs;
in case of poisoning.

Services provided for in the contract:

ambulance service;
transportation of the patient to a medical facility;
hospitalization and treatment in a hospital setting;
payment for medications (in hospital);
carrying out diagnostic procedures.

Policy price

Policy cost:

The price varies depending on the set of insurance risks that are specified in the insurance contract.

Here is a comparison table:

The maximum payment amount upon the occurrence of an insured event (varies depending on the policy price):

Voluntary medical insurance from the VTB Insurance company, despite the existing disadvantages, is a convenient policy, upon registration of which the client receives free and quality treatment. And in order to avoid problematic situations, you should carefully read the contract when concluding it.

Topic No. 10. Voluntary health insurance

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  At the doctor’s appointment, I received a referral for an ECG to understand the causes of the pain. This issue also had to be agreed upon with VTB employees. I spent an hour trying to call the company. I got through... And heard a refusal to conduct an ECG! Half a day passed (and my heart hurts!), I spat on insurance and went to see doctors for a fee. You can’t do this with your clients! The disgusting work of VTB representatives and the unwillingness to fulfill their direct obligations is what I saw.

The compulsory medical insurance policy, which every citizen of our country should have, does not cover all types of medical services. That is why many organizations offer their employees voluntary health insurance policies.

At the same time, the legislation provides for the free choice of an insurer for both voluntary and compulsory insurance.

Voluntary medical insurance from VTB Insurance

Companies and organizations wishing to provide their employees with quality medical care in the best clinics and medical institutions, they can enter into a voluntary health insurance agreement with VTB Insurance LLC.

The advantages of the insurance company include:

24/7 call center support;
the ability to remotely call a doctor at home, hospitalize and make an appointment with a specialist through a dispatcher;
selection of medical and preventive institutions (otherwise medical facilities) at the discretion of the policyholder;
possibility of cost reduction insurance tariff in case of attracting additional persons subject to insurance;
cooperation with health care facilities that have modern equipment, highly professional medical personnel and advanced technologies;
provision of benefits when insuring relatives of insured persons (we are talking about the application of a corporate tariff).

A medical policy from VTB Insurance allows you to receive high-quality and timely assistance from qualified specialists. The cost of the annual contract depends on the list of medical services chosen by the policyholder, the list of health care facilities and the total number of insured persons.

Acquainted with full list Health care facilities-partners of IC VTB Insurance LLC can be found at this link.

Proposed voluntary health insurance programs

The company offers three insurance programs– “Outpatient care”, “Ambulance and emergency medical care” and “ Inpatient care" The first type of policy includes the most extensive list of medical services provided. In this case, the policyholder has the right to additionally choose other services.

“Outpatient care” includes:

outpatient services for insured persons under the VHI policy (appointments with various specialists, physiotherapeutic treatment, laboratory and instrumental testing, issuance of certificates, etc.);
the ability to provide medical care at home or in the office;
dental services.

“Inpatient care” is designed for emergency and planned hospitalization. The program includes a team visit, express diagnostics of the insured person, transportation to a medical facility, specialist consultation, research and laboratory testing, surgical, conservative or physical treatment, issuance of certificates, etc.

“Ambulance and emergency medical care” includes the dispatch of an ambulance team, the provision of express diagnostics and the ability to transport the insured person to the clinic and back.

How to get a VHI policy?

The contract with the company is drawn up at the nearest office. If you need to find out more about the possibility of obtaining a VHI policy, there are two ways:

by calling 8-495-644-44-40 (ext. 077-1797);
by writing a letter to the address [email protected].

If you have any questions regarding your existing VHI policy, call 8-800-100-44-40 and get detailed advice from a specialist.

During the conversation, personal information about the insured person may be required - his full name and number medical policy from VTB Insurance.

The insured person can find out the current program and list of health care facilities using this link - https://www.vtbins.ru/corporate/insur_of_employees/instruction/. In the fields of the electronic form you must enter the policy number, full name of its owner, date of birth and current e-mail.

Obtaining a compulsory medical insurance policy from VTB Medical Insurance

Compulsory health insurance allows a person who has an appropriate policy to receive free medical care both in the region of his residence and throughout Russia.

The legislation defines two programs - Basic (valid throughout the country) and Territorial (more extensive, covering the territory of the subject of the Russian Federation in which the policy was received). Every person permanently residing in Russian Federation, must have an appropriate compulsory medical insurance policy, but he has the right to choose his own insurance company.

Registration of a compulsory medical insurance policy at VTB Medical Insurance is free of charge.

There are two ways to submit an application to replace the insurance company or reissue the policy (for example, in case of its dilapidation or loss):

through the insurer's website;
at policy acceptance/issuance points or company offices.

Submitting an application

The easiest way is to fill out an online application on the company's official website. If you would like to receive electronic form policy, a black and white photograph measuring 3 x 4 cm must be attached to the request.

When contacting the company office or policy issuing point, it is important to have with you:

(if you want to replace a damaged or lost policy, transferred to a specialist);
passport;
birth certificate (if the policy is obtained for a child);
power of attorney certified by a notary (if the interested person acts through a legal representative).

An exact list of documents required in individual cases (for example, when applying foreign citizen), you can find out from a company specialist during a personal visit to the branch or by calling 8-800-100-800-5.

The application form presented on the website can be printed and submitted to the office or policy issuing point. If necessary, a specialist will provide an up-to-date blank request form and help with filling it out.

The application is completed by the policyholder himself or his legal representative (in the latter case, the applicant must have a passport and a notarized power of attorney).

VTB VHI insurance- this is an opportunity to receive qualified medical care in case of planned or emergency need for an amount that insurance allows, but a person’s wallet does not allow.

VHI programs

The VTB Insurance company has been operating for 18 years and during this time has issued more than one thousand insurance policies of various programs. VHI (voluntary health insurance) allows a person to insure against health-related risks.

Exists various programs VHI that people can apply for:

Outpatient clinical care(Inpatient) - treatment and diagnostics in a hospital are fully covered by insurance in the event of an insured event.
Outpatient care— providing assistance at an appointment at a clinic that provides services VTB clients.
— specialized dental clinics will provide a person with all the necessary assistance, from examination to surgical intervention.
Help at home — medical worker(doctor) carries out home visits and provides the necessary services.
Ambulance and emergency care– in an emergency, a person will be provided with all measures to preserve life and health.

A voluntary health insurance policy from VTB Insurance is an opportunity to choose a program that will provide everything necessary in the event of health problems, even if a person has no money.

Medical examination, and even more so treatment, is now expensive (private specialized clinics charge exorbitant sums), and therefore it is easier for individuals to buy a policy for themselves and other family members and not worry about their health.

Set of services

Each VTB Insurance VHI policy has certain conditions of provision. The list of services included in the insurance program is what these conditions cover. Each VHI program has a certain standard, which a person is obliged to pay when taking out a policy, but there are also additional services that can be included in your insurance. Let's look at what services VTB Insurance provides to clients under its VHI policies.

IN this policy VTB Insurance VHI includes:

Hospitalization of the patient.
Transporting a person to the hospital and back using medical transport.
Providing emergency assistance in emergency situations.
The doctor's consultation.
Carrying out diagnostic procedures (laboratory testing, instrumental testing, etc.).
Treatment in various ways (conservative - medications, surgical - operations, physiotherapeutic - massage, exercise therapy, etc.).
Receipt of medicines at the expense of the insurance amount while the patient is in the hospital.
Receiving all necessary services during a hospital stay (food, staying in a room - even a separate one, if insurance allows, care, etc.).

Outpatient services

Under this program, the insurance owner can receive:

Consultation with specialists of various profiles.
instrumental examination.
Diagnostic laboratory test.
Massage treatments.
Physiotherapeutic treatment.
Carrying out exercise therapy.
Conducting a medical examination to confirm temporary disability.
Various certificates confirming health problems.

Dental services that a VHI policy holder can receive include:

Diagnostics - examination, x-ray, etc.
All therapeutic procedures to eliminate any problem (caries, pulpitis, periodontitis, etc.).
Surgical treatment - for injuries or diseases of the oral cavity that require the removal or replacement of teeth.

Dental care refers not only to problems related to teeth, but also to diseases of the salivary glands, mucous membrane, and nerves of the maxillofacial area.

Help at home

When taking out an insurance policy from VTB Insurance under this program, a person can count on a free visit from a general practitioner to their home and provision of qualified assistance.

Ambulance and emergency care

Ambulance doctors will take all necessary measures to eliminate the risk to the patient’s life and take him to the hospital.

List of clinics

For examination or treatment, you must first contact those medical institutions that are available under the VTB Insurance policy, i.e. a list of clinics that cooperate with the insurance company and are their partners. They include various health care facilities that are ready to accept patients who have entered into an agreement with the VTB insurance company.

After purchasing a voluntary health insurance policy, it must be activated on the website. This is done in no time - you need to find out the policy number (indicated in the contract) and enter it in a special column (on the website it is at the bottom of the page called "Policy activation" drops out of the context menu).

To take advantage of a voluntary health insurance policy from VTB Insurance, you must first find out the list of clinics that can serve a person. The official website of VTB Insurance will help you check the addresses and locations of various medical centers; contact number and the organization’s email address for clients who wish to personally ask a question to an employee of VTB Insurance.

It is beneficial for every enterprise to obtain a qualified specialist, and this is done in various ways - high wage, bonuses, interesting tasks, convenient schedule, career growth opportunities, etc.

A voluntary health insurance policy from VTB Insurance is also one of the opportunities to attract the best specialists, as this increases the company’s rating in the eyes of people. Potential employees choose the company that can offer them the best conditions.

For people, insurance is a powerful argument, since health comes first. And it’s beneficial for the employer - its staff spends less time on paid sick leave and gets back to their direct duties faster.

Voluntary health insurance from VTB Insurance is cheaper for companies, so it is also beneficial for employees to enter into an agreement on behalf of the company, rather than buying the policy themselves. This helps you save money and get qualified medical care. But the insurance company understands perfectly well that employees can purposefully take out insurance in anticipation of an insured event, and therefore if visits become more frequent, the company will increase the amount for the company insurance premium.

VHI for migrants

People arriving from different countries (Ukraine, Uzbekistan, Tajikistan, Moldova, Belarus, Kyrgyzstan, Turkmenistan) Those traveling to Russia must necessarily purchase voluntary health insurance with at least a minimum package of services. Such a package may only include emergency assistance and medical care in case of injuries and accidents (burns, frostbite, fractures, poisoning, etc.).

The price of such a policy for migrants is relatively low - approximately 900 rubles. But for this cost a person can receive in the event of an insured event:

Transport to the hospital.
Providing emergency assistance.
Diagnostics at a medical center.
Treatment in a hospital setting.

Enterprises according to the newly changed Russian legislation It is prohibited to employ persons who arrived from other countries to work without voluntary health insurance.

Advantages and disadvantages of VHI

This policy is very popular among Russians due to its advantages:

Low price for registration (but it all depends on the service package).
Large insurance payments.
24-hour support from VTB Insurance consultants regarding the validity of the policy.
A large list of medical institutions with which the insurance company cooperates, which means a person is not limited in choosing a place for treatment and can independently decide which clinic and which specialist to be examined.
The insured person can take out insurance for children and other relatives at a reduced price.
For businesses, the benefit is savings per policy while increasing the number of insured employees.
The policy is issued quite quickly - within 15-20 minutes.

But in addition to the advantages, the VHI policy also has disadvantages:

The insurance payment covers expenses associated only with inpatient treatment - that is, you must buy medications yourself, unless you are in a hospital and the company does not reimburse these expenses.
The VHI policy is valid exclusively on the territory of Russia. If a person wants to undergo examination or treatment in a clinic abroad, then he will have to pay for everything from his own wallet.
Cash funds are not paid upon the occurrence of an insured event, but only cover all costs during outpatient examination and inpatient treatment.

Cost of VHI policy

The cost of the policy depends on the range of its services, so some packages can be cheap, while others can be quite expensive.

The amount of payments in the event of an insured event will depend on the amount of the insurance premium:

The maximum payment amount is presented in the table for each package of services under the VHI program, but here it is also necessary to take into account the size of the contribution.

How to purchase a VHI policy?

You can buy a voluntary health insurance policy by personally contacting the VTB Insurance branch with a minimum package of documents - a passport and a second identification document. You can find out where the nearest branch of the company is located on their official website.

To apply for a policy, you will need to fill out a standard form (indicate your passport and personal data and select a list of services that will be included in the policy).

After filling out all the papers, the person will immediately receive the insurance contract in their hands, and when they get home, they will activate it through the company’s website. You can get absolutely all the information on using insurance from the employee - all the rules and nuances.

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