Compulsory medical insurance from VTB medical insurance. Anonymized metal account VTB compulsory health insurance

What is meant by the concept of “voluntary medical insurance”, what are the features of such a policy at 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 a range of insurance packages, including VHI (voluntary medical 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 high-level medical institutions, 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;
provision of medical care in a 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 a time when staff will soon need to undergo a medical examination, and citizens purchase voluntary health insurance for the purpose of the possible occurrence of an 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 of the 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 an ambulance, help organize hospitalization, and 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, the 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 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 the 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 high-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.

My mother, N-nova S.Ya., was kicked out of the ** City Clinical Hospital named after. D-sky is in serious condition with a stroke. The VTB health insurance company did not intervene in any way in the situation, despite repeated requests to them, and the doctors dragged my mother out of the room, sat her in the emergency room on a dirty chair, and if we had not picked her up and transported her to a private paid clinic, where she would immediately but the next day they found her blood clot and removed it, having done a real MRI and duplex, she would have died in their emergency room at 23 GKB.

All this cost me and my wife a lot of money, nerves and effort. The motivation of ** City Clinical Hospital for discharging a patient with a stroke was that, firstly, she allegedly did not have any stroke, but later it turned out that they did not conduct any research at all! They didn’t do a CT scan or an MRI at all, they also imitated an ultrasound, they save on everything, not only on human lives and people’s health - on consumables, on their time. They made the diagnosis of TIA by eye, even the mother’s height and weight were written with an error of approximately 11 centimeters and 18 kilograms. They also didn’t take blood tests for sugar, cholesterol or anything else, since the card didn’t indicate the correct blood type, which the wife reported to the VTB medical insurance hotline while mom was still in the hospital, but they didn’t intervene at all. . The second explanation was that my mother lives outside the Moscow Ring Road, they said so directly, and they provide assistance to such people under regional policies only in emergency cases that took place in Moscow, which is what they did, supposedly, based on the diagnosis of TIA, and since TIA has passed - let's get discharged.

Further. When the mother was pumped out at a paid clinic and she returned to life, she was finally given a full policy instead of a temporary one. But which one? This is not plastic, valid everywhere. and some meaningless piece of paper, invalid without a passport and SNILS. Mom now carries all this with her, but what’s the point? The day before yesterday she had another attack. The ambulance did not come to Kupavna at all, remembering that they had already come about hypertension 189 to 94 and they were presented with a very insignificant temporary policy. They also said back then that they would never be compensated for anything, and so they didn’t take her to the hospital, they gave her an injection, and then the day before yesterday they didn’t come at all. Although the policy was already full, not temporary, they probably won’t be paid anything for it either. They called a paid ambulance, they came from Moscow, diagnosed a stroke, took them, since they had this VTB paper, to the vascular center in Moscow, they didn’t accept them either, they say we don’t take the castle, if it didn’t happen in Moscow, take it to the region, Reutov or Odintsovo . Well, it’s good that they didn’t admit me, the hospital was crap, just like **, and it wasn’t a stroke, but just a TIA this time. This became clear when we were taken to the paid clinic where the thrombectomy was performed, the doctor who performed it arrived urgently in the morning, they replaced the drug-coated stent with a new one for free, the symptoms improved and then went away.

But. What is VTB worth if a person from the castle is refused everywhere and has to do it for money? I understand that when I soon take my mother out of here, since she is repatriating to Israel, that then she will be able to live for another 20 years, and she will receive any help in her homeland free of charge and of high quality, but what to do and how can she live in Russia, approximately until March-April 2019. I am an Israeli citizen, I can only help her with money and my presence, but what should I do when my vacation ends soon? Where is this insurance and where is the so-called help? Why was not an electronic policy (plastic) issued, according to which they are supposedly obliged to hospitalize in any region, but instead - some kind of piece of paper?

In addition to the remote registration method, there is an option with a personal visit. For example, a VTB compulsory medical insurance policy in Moscow must be issued at the nearest branch at the client’s place of registration. You can get information about all offices on the official website of the organization or through the mobile application. If your city is Moscow, then the VTB Insurance website offers a list of branches where you can obtain medical insurance.

At the moment, absolutely all residents of the country are subject to health insurance from birth. Many insurance organizations provide this service. At VTB, a compulsory medical insurance policy is also issued and has a number of features. You can order it either in person or online.

VTB Medical insurance

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.

Apply for a compulsory medical insurance policy at VTB Medical Insurance to receive all the necessary medical care

To make the compulsory medical insurance policy cheaper, some are ready to use a promotional code from VTB Medical Insurance. Promotional codes are provided by third parties, 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.

Compulsory medical insurance VTB

personal information (full name, gender, date of birth, identification document, etc.):
registration information (registration address, house, postal code, etc.);
information about the place of actual stay;
other information (SNILS);
contact information (phone numbers, email address).

Yes, the policy can be taken out by citizens of foreign countries, refugees and stateless persons. To obtain a policy, they must submit an application, copies of identification documents with translations, and documents confirming temporary or permanent residence in the Russian Federation.

Features of health insurance from VTB

Compulsory medical insurance from VTB provides the opportunity to receive free medical care in institutions (clinics and hospitals) of state subordination that actively participate in the health insurance program. In fact, every resident of the country should have this document. The policy is issued to the citizen for unlimited use, but the client has the right to change the insurance company no more than once a year if he deems it necessary. If a person temporarily resides in the territory of the Russian Federation, then he should issue a special certificate with a clearly defined validity period; the VTB insurance company also provides this service.

Another product sold by the company is a voluntary health insurance policy, which in turn is capable of covering partially or fully the client’s expenses in paid clinics. The amount of compensation (full or partial) depends on the set of services specified in the contract. It is worth focusing on the fact that the insurance programs developed by VTB generally have positive reviews, which confirm the reliability and exceptional integrity of the company.

Medical policy VTB insurance

There are several options provided by the insurance company. If you are an employer of a limited liability company, then consult with our managers who will select the most suitable option to provide your employees with an insurance policy.

Compulsory medical insurance VTB medical insurance will allow you to receive care free of charge in hospitals and clinics that operate on a state basis and participate in a federal-type program. Upon registration, the client is given a document of the appropriate sample. Every citizen living in the country must have one.

VTB Medical Insurance": insurance features

The insurance industry is now in great demand, so many companies are actively developing in this area. The VTB Medical Insurance company offers to take out additional insurance, which will allow you to use a wide range of services in the event of insured events.

Limited area of validity of the document. This is a significant disadvantage, since a person often needs help on a business trip or on vacation, but the policy will only be valid where it is issued.
Compensation can only be obtained with inpatient treatment. Most medications are purchased outside the hospital, so they are not paid for.
There are many conditions in the contract, failure to comply with which may result in denial of compensation in the event of the events specified in the policy. It turns out that the existence of an agreement does not guarantee compensation, since it is important to fulfill all the conditions.
Apart from payment for health improvement, there will be no other compensation.

Medical insurance at VTB: programs and opportunities

In addition to the compulsory medical insurance policy, a voluntary medical insurance policy can be issued. If available, assistance is provided in institutions that have entered into an agreement with the VTB Medical Insurance insurance company. In addition, various packages are offered, on the basis of which monetary compensation is paid in the event of harm to the health of the insured person.

Due to the modern rhythm of life, a person stops simply paying attention to his health until some difficulties make themselves felt. Health insurance is a fairly common service, and having a policy guarantees compensation for all expenses associated with treatment, no matter how expensive it may be.

Compulsory medical insurance from VTB medical insurance

The insurer for compulsory health insurance is the Federal Fund as part of the implementation of the basic compulsory health insurance program. The Federal Fund is a non-profit organization created by the Russian Federation in accordance with this Federal Law to implement state policy in the field of compulsory health insurance.

Under the compulsory medical insurance policy, you have the right to receive medical care at your place of residence and at your place of temporary residence only in those medical organizations that participate in the implementation of the territorial compulsory medical insurance program. The list of medical organizations can be found on the website of the territorial compulsory medical insurance fund or on our website in the section “Medical care in your region”

Compulsory medical insurance at VTB

The very concept of compulsory medical insurance is translated as compulsory health insurance. It was created with the goal of providing any citizen of the Russian Federation with timely necessary assistance completely free of charge. The employer makes the insurance payments, and upon termination of the contract, this responsibility passes to your next employer or government agencies.

You can use medical services not only at your place of residence, but throughout the country;
Compulsory medical insurance is unlimited, that is, it needs to be changed only if the document is damaged;
there is an opportunity to independently choose a medical institution and attending physician;
there is no fee for use (compulsory medical insurance is absolutely free) If a friend tries to take money from you in the hospital, you can safely file a lawsuit for violation of rights, after which Rospotrebnadzor will conduct an inspection of the medical practice.

How to find out your compulsory medical insurance policy number

If the policy is still at the registration stage, and you need insurance support, you can ask for a temporary policy, valid for 30 days and with the same functions and properties as the main one. The number of such an insurance certificate is nine digits. Its first digits are 001.

Forgery of policies is a common type of crime. Therefore, no one is protected from receiving a fake or written off policy. Sometimes the contract itself is valid, but the organization that issued it may already cease operations or lose its license.

31 Aug 2018 274