Medical services are important in a person's life. To receive qualified medical assistance and to carry out the necessary high-quality diagnostic tests, Sogaz offers to issue a policy in order to remain calm about your health in various situations, because the funds paid will help you recover.
Concept
Voluntary medical insurance from "Sogaz" - qualified medical assistance at any time. You can issue a policy to an individual and a legal entity. Often the employer includes VHI in the social package guaranteed to employees. You can ask for help at any clinic or hospital that works with an insurance company.
Voluntary insurance in comparison with compulsory insurance is issued at the request of a person. Nobody forces you to use such services. Usually they are issued for hazardous work or when traveling to other countries. Now there are many companies working in this area. And each of them offers several programs with their own conditions. It is necessary to choose a suitable insurance product according to your requirements, so that in the future you can actually receive monetary compensation.
Place among other firms
Sogaz was founded in 1993 and has been holding leading positions among other insurers for more than 20 years. The group includes several companies with a single name. They specialize in different insurance options. For example, Sogaz - Life is the leader in life insurance.
According to the FSSN for 2012, the group took 2nd place among Russian firms. The Expert RA agency was awarded the highest position in terms of reliability. Many Russians turn to this firm for help.
Conditions and price
To obtain voluntary medical insurance from Sogaz, you need to know the conditions and programs of the company. This also determines the price of the policy. The company works with corporate insurance. The cost of the policy depends on the size of the company, the number of insured persons, the selected programs and conditions.
How much will a voluntary medical insurance policy at Sogaz cost? The price is determined by the types of services that are supposed to be performed. The cost may differ in each region and from the number of people for 1 insurance. Up to 6 people can be insured for 1 service. If you choose the "Economy" program, then the price will be from 1,500 rubles, and if "Universal", then - 3,500 rubles.
What affects the cost?
Voluntary insurance protects the health of the client. But the price of the policy can be determined by several factors:
- In each company, the cost of the document may differ. The amounts are influenced by status, reliability and service area. It should be borne in mind that there are many fraudsters working in this area, so before paying, you need to check the company's activities.
- All organizations have several programs that differ in cost. The cheapest one includes a minimum of services. If some kind of assistance is not included in the policy, then you will have to pay for these services yourself. It is not so easy to receive payments, you need to undergo tests. The most expensive package includes many services.
- Payment depends on the level of the clinic. An insurance firm usually has many partners of varying status. For example, if a regular clinic is chosen, then even a wide range of services is provided at a favorable price.
- The price is influenced by the list of services. It may include examination, first aid and prescription of medications. Sometimes the list is supplemented by performing tests, massage and acupuncture.
- The cost is influenced by the characteristics of a person: age, gender, nationality. This is determined by the program.
- An important factor is the type of activity, for example, the risk of injury for an office worker is less than for a construction worker.
Services
To be sure of timely assistance, you need to choose "Sogaz" - voluntary medical insurance. The list of services in each case may be different. The policy serves as protection against illness and injury. For example, the company is implementing the Antiklesch program. On it, a person receives help in case of disability after a tick bite.
The voluntary medical insurance program from Sogaz includes the following insured events:
- incapacity for work - temporary or permanent;
- death.
A person is protected from specific cases prescribed in the policy. When they occur, payments are due.
What is there no protection from?
If some cases are not included in the voluntary medical insurance from Sogaz, this means that they are not in the coverage area of the policy. An individual is provided free assistance in the hospitals with which the company works.
Medical services cannot be provided or they will be performed for a fee or in turn. This applies to those cases that are not indicated in the program.
Contract
To obtain such a service, you must visit the Sogaz office. A voluntary health insurance contract is signed in person. Any questions should be asked while going through this deal.
If there is no opportunity to visit the company, then the order can be placed by phone. Delivery is made by courier if the client lives near the office. You will also be able to get acquainted with the price of the policy.
Programs
The Sogaz insurance group offers voluntary medical insurance under various programs. They differ in the list of services. The Sogaz-Persona software package has been developed for individuals.
It includes programs:
- "Universal".
- "Economy".
- "Special".
- "Anti-tick".
Under such a program, legal entities are insured. Each of them is supposed to fulfill its own list of services.
Advantages and disadvantages
The company's advantage is the formation of a program at the request of the client. This determines the cost of VHI. The company offers to buy the policy in installments. Each product has its own advantages, but they are about the same:
- registration is fast;
- only professionals work;
- no written statement is required;
- affordable prices;
- delivery of the policy by courier.
For individuals
It is more profitable for citizens to take out an insurance policy at Sogaz. Voluntary health insurance for them is provided by several programs. The budget option will be "Economy". The program offers many services that the client can choose for himself. You can insure anyone between the ages of 1 and 81, including people with disabilities. The program is suitable for everyone who needs constant medical care.
If you need a narrowly targeted insurance, then the best choice would be the Anti-Mite program. It is ideal for those who often visit the forest. For city dwellers, the service is unlikely to come in handy. The conditions are similar to the "Economy" program, only it has a narrowly targeted effect. Disability or death is considered an insured event.
The "Special" product is available for customers. There is no freedom of choice on it. Standard services are provided, and the cost and benefits are fixed. Within the framework of the "Universal" program there is an opportunity to modify the conditions and risks.
Discounts and bonuses are offered to regular customers. The company often conducts bonus promotions under various programs. Customers are notified about all promotions by phone. This affects the price of the policy. The minimum cost is set for children. At an economical tariff with a minimum amount of 10 thousand rubles, the price of the policy will be 110 rubles. If the maximum amount of 500 thousand rubles is chosen, then you will have to pay 5.5 thousand rubles.
For foreigners
Now there are no special programs for foreigners. But in the future it is planned to create them, since many people from other countries come to Russia to work. Today, foreigners have access to all those products that are intended for citizens of the Russian Federation.
For kids
You can insure up to 6 people with Sogaz-Med. Voluntary health insurance involves the issuance of a policy for the whole family. A discount is available to customers during the renewal of the contract. There is no separate program for children. But there is a "Universal" product with which you can select a specific list of services for a specific person.
For a policy, children usually choose the following list of services:
- doctor call;
- examination;
- medical assistance depending on age.
The list of services may be different for each child. You can choose them with the help of specialists in the company or by phone.
How is the policy used?
In the event of an insured event, the client must call the insurer at any time. You need to explain your problem in detail. Then the dispatcher will refer you to a specific doctor. He will also tell you what to do before visiting a specialist.
There are situations when a person cannot contact the dispatcher. For example, there is no phone, or there are no funds on it. Sometimes there is no insurer data. Then you can go to the clinic for registration. Under the contract, the patient has the right to use the services of a specialist without an insurer.
If an accident occurs, all damage must be witnessed by a doctor. Upon confirmation, the client is paid compensation. Sometimes the insurance company is asked to undergo an additional examination. You do not need to pay for the treatment, but you need to purchase the medicines yourself. Only after there is confirmation of the occurrence of an insured event, payments are due.
