In general, the story is like this, I applied for a replacement policy in connection with a change of surname, I am displayed in the database by my old surname, I call for breakfast, tomorrow you will be under a new one, but I urgently need it, I pass a medical examination for work, I need documents for a new surname. I'm already tired of constantly explaining to doctors why I have a policy for one surname, but in the database I am listed under the old one. I don't know how long this will last!
Arrived at the address: Moscow, st. Yartsevskaya, 32, for renewal of the policy, in connection with the change of the name. I was asked to look at the camera like the girl said it for personal card data, but that this photo will then be on the OMS itself! I was not warned. I got caught in the rain, rode the subway during rush hour, with a fever and a sore throat. The hair is disheveled on the head, the face is distorted. And this photo was taken to me on the OMS card. Why didn't they ask me to see the photo, why didn't they offer to reshoot ...
Such thoughts came in the course of replacing the medical insurance policy at the Solidarity for Life company. The first thing I had to face, after receiving the "Temporary Certificate" for a period of 2 months, is that the employees of medical institutions do not see its number in the database. (Already a month and a half). Second. I was handed a Memo of the Insured., Indicating the phone number by which I could find out about the readiness of a new document. Phone: 499 242 16-77 managed to change, but also in a new way - 800 333 22-25 I never ...
They took up insurance for me, after 2 weeks they confirmed that all documents were approved and that I would get insurance in a couple of months. I came for her after 4-5 months, when I needed it, and it turns out then they refused me for no understandable reason and I was pregnant for a while without insurance. Now everything has been checked and approved again and I am waiting again, but the temporary insurance they have issued is not recognized in the clinics' databases. And it's impossible to get through by phone, it's been busy for a week. Truth...
Hello! On October 8, 2013, I was given a temporary policy 054699635. The girl who issued it said that you need to get a permanent one in a month. After that, every month, I periodically visit the point of issue of the policy to exchange it for a permanent one, every time they tell me that they are not ready yet, come back in a month, if it is earlier, we will inform you. Today, I once again visited this item issue, history repeated itself, I decided to call the general phone number and find out why it works this way ...
Has handed over documents to change honey. policy (due to the change of surname in the passport) on November 28, 2013, a temporary certificate was issued with a deadline of 01/16/2014! On January 16, I called to ask if my policy was ready, they told me to call in a week, supposedly nothing was ready yet: "you have changed your surname," which I didn't like and surprised! The next time I called on January 21, I was told that the application was accepted and the policy would be ready in 3 weeks! She began to explain that I was pregnant and with an expired certificate of me ...
With grief, they issued an insurance policy in half on 10/24/2011. They said that the policy would be activated within two weeks and that on 1/17/2014 I needed hospitalization (I had never gone to a doctor before). I was told that the policy is not valid. I would like to swear at everyone in this sharashkin office. There are no words.
The policy issued by this "company" is a piece of paper that is extremely inconvenient to store, the paper on the folds is wiped off, the print quality is low, and it is very inconvenient to carry it with you all the time. Is it so difficult to carry out the policy on magnetic media as well? It is very easy to lose THIS piece of paper (policy), especially for elderly people.
12/17/2013 I will not be able to get through any of the phone numbers listed in Contacts, namely 800-333-222-5 code 1 (free and around the clock), (499) 242-45-46 (around the clock) What does it mean around the clock if you can't get through even during the day !?
Unfortunately, I forgot to ask the name of the employee of the polyclinic of the polyclinic which is located in Matveyevka, issued a policy in three weeks, took everything perfectly! As promised! No half-year waiting that I was promised in the queue. nice friendly woman, polite, in my opinion, always in a good mood. I just want to say a big human thank you, now it's generally rare not to run into rudeness.
VTB insurance VHI, the official website of which you can easily find, is a document by which you can count on providing medical care at any time convenient for you. It is distinguished by clearly defined capabilities, regulated directly in the contract. VTB Insurance offers the best option not only for employees and workers, but also for employers. With the help of such a policy, you will be able to reduce the amount of work time that your employees spend on issuing a free policy.
With the help of such a document, you will be able to seek medical help at any time convenient for you. Clinics and hospitals will be open for you late at night and on weekends or holidays. In addition, services are provided in private clinics, where the level of service is much higher.
List of clinics VHI VTB insurance
VTB Insurance cooperates with many medical institutions where everyone can receive quality care. The list where you can refer can be found on the official website of the company. Usually, in large cities, there are several dozen different organizations to choose from.
VHI policy services
Voluntary health insurance policy VTB insurance is a document with which you can always receive quality services in a number of organizations at a convenient, albeit not working hours. On VHI you can get an extensive list of provided activities. All of them are combined into separate groups.
Outpatient care
Polyclinic care includes medical care at the bases of polyclinics. Under the policy, you can receive the following services at any convenient time:
- Reception and consultation of narrow specialists.
- Advanced analyzes of biological materials.
- Extended diagnostic research: ultrasound, CT, MRI, X-ray, biopsy and others.
- Physiotherapy and massage.
- Dental procedures.
- Registration of all necessary medical documents.
Inpatient assistance
VHI VTB 24 insurance provides for the provision of hospitalization services. It can take place both in a planned and an emergency manner.
Everyone who has this policy has the right to inpatient care, regardless of the doctor's indications. You can find the list of clinics in the VHI VTB insurance policy on the official website of VTB, or to clarify it by calling the hotline.
Inpatient treatment includes the following procedures:
- Emergency call.
- Detailed examination of the patient and recording of existing complaints.
- Determination of the treatment regimen.
- Advanced functional and laboratory diagnostics.
- Conservative treatment.
- Appointment and carrying out of surgical intervention.
- Stay in the intensive care ward.
- Provision of medicines.
- Registration and provision of the necessary documents.
Ambulance emergency
According to the regulations of the VHI policy, a person can count on an emergency arrival of an ambulance and emergency measures... He will also be taken to a hospital and, if he is not left there, taken home.
Official website of VHI VTB insurance
On the official website of VHI VTB Insurance you will find a lot useful information about this policy. You can also take out insurance online there. With this procedure, you will not need to spend a huge amount of time visiting a branch of the company. Having entered the site, open the tab "health insurance".
In the appropriate form, you will need to specify the following data:
- Surname, name, patronymic.
- Accurate passport data.
- Age and date of birth.
- SNILS.
- The place where you permanently reside and registration.
- Contact number.
- E-mail address.
When you fill out the form, carefully double-check the correctness of the entered data. By sending them, you can be absolutely sure of their safety.
It will be possible to issue VHI for employees only when visiting the office. It is necessary to choose what is located at the place of registration of the applicant.
You can find out the address of the nearest branch on the official website. After visiting an insurance agent, you will immediately be issued a temporary certificate allowing you to be served in government agencies. The largest selection is presented in large cities: Moscow, St. Petersburg, Yekaterinburg and others.
The advantage of VHI from VTB insurance
VTB Insurance is a company that can offer its clients the following benefits:
- Network programs by which a person can be served in different medical institutions. You can always choose the organization that suits you best in terms of reviews or location. In addition, you can be monitored in different clinics by different specialists. You can always choose where you want to enroll.
- Constant communication with the dispatcher, who at any time will be able to issue an ambulance call or hospitalization to the desired institution.
- Possibility of issuing a VHI policy for foreign citizens.
- Health insurance for the whole team - the possibility of organizing corporate programs.
A large structure of VTB Medical insurance provides the population with a wide range of various services. For example, compulsory and voluntary health insurance is in the competence of the company. Many are interested in what the programs include, and what features are different compulsory medical insurance policies and VHI from this insurance company. Of particular interest are services such as insurance for migrants and corporate clients.
Policies of JSC VTB Medical insurance
Many modern employers provide their employees with VHI medical policies that guarantee coverage of the costs of providing healthcare services. The insurance company "VTB Medical Insurance" offers its clients many different services, including compulsory medical insurance and voluntary medical insurance policies. In the first case, the client will be able to use medical services in public medical institutions free of charge. Such a product is now offered by many insurance companies, including VTB Medical Insurance JSC.
Video from the Federal Compulsory Medical Insurance Fund about guarantees of free medical care under the compulsory medical insurance policy
Another product offered by the company is a VHI policy, thanks to which the client will be able to partially or fully cover the costs of services in paid clinics. Depending on what the terms of the contract are, the range of services provided can be broad or insignificant. It should be noted that VTB Medical Insurance programs have mostly positive reviews, which confirms the good faith and reliability of this company.
OMS policy - compulsory insurance
All Russian citizens get medical insurance immediately after birth. In addition, the policy must have:
- persons without citizenship, but permanently residing in Russia;
- foreigners who came to Russia for temporary or permanent residence:
- political refugees.
Compulsory health insurance opportunities
VTB Medical insurance Compulsory medical insurance provides an opportunity to receive free medical services in all state clinics and hospitals that take part in the federal program compulsory insurance health care. In fact, every resident of the country should have this document. The document is unlimited, but the client has the right to change the insurance company once a year at his own request. If the person lives in the territory Russian Federation temporarily, then he needs to issue a special certificate with an appropriate validity period, which is also provided by this insurance organization.
Video explaining the rights of citizens insured under the CHI program in terms of choice medical organization and a doctor in Russia
VTB's compulsory medical insurance policy can be used in any city in Russia. Insured persons can use only one compulsory medical insurance policy. When concluding a contract, it is recommended to clarify with a company employee the rights, obligations and other terms of the agreement. The insurer in this case is the Federal Compulsory Medical Insurance Fund.
Registration of the compulsory medical insurance policy on the official website
An application for a policy can be left on the official website. This greatly simplifies the lives of citizens and saves time. To start processing the document, you need to go to the VTB Medical Insurance website. There is a special form for entering customer data:
- date of Birth;
- passport data;
- information about the place of registration and actual residence;
- SNILS;
- phone number;
- email for sending notifications.
In its turn, insurance Company guarantees that the personal data of citizens will not be disclosed if it is not required to protect the rights of the client. In addition to the option of remote registration of an application, you can order an OMI policy at the office of an insurance organization, which is located at the applicant's place of permanent residence. If you do not know the address of the nearest subdivision, you can use VTB Medical Insurance official website, here you will find information about the company's offices and working hours. On the day of registration of the application, all clients receive a temporary certificate, which is also accepted by public health institutions.
VHI policy - voluntary insurance
Most modern employers provide their employees with one of the insurance packages for VHI programs. Such insurance is distinguished by limited capabilities, which directly depend on the type of contract concluded. Voluntary medical insurance "VTB Insurance" is a profitable option for employees of the organization, as well as for employers. This measure saves time that workers could spend in queues trying to get free medical care. If VTB 24 compulsory medical insurance involves contacting the polyclinic during the allotted hours, then according to the VHI policy, an employee can come to a specialist after work in the evening, also on weekends. It is also worth noting that high-quality medical care reduces morbidity in the team, due to which the work process is not undermined, and this is certainly a huge advantage for the employer.
Because insurance premiums the company employees are not taxed, the company management has the opportunity to encourage the best employees in this way. This will help build a good reputation for the employer. In turn, the employee will be able to choose the optimal program for himself and receive medical assistance as needed. Taken together, this gives an increase in labor efficiency, because workers are much less likely to go on sick leave.
Benefits of voluntary insurance
When concluding an agreement, VTB provides its clients with a list medical institutions, with which she cooperates, in about the same price segment. Thanks to this, the company will be able to choose a clinic based on its location. You can also take into account the range of services provided and the specifics.
Communication with the contact center is available around the clock. The dispatcher will help arrange hospitalization by calling an ambulance if necessary. Also, the insurance takes over the appointment with specialists. If the medical institution does not provide the necessary services, the insurer guarantees the provision of such services in specialized centers.
If the number of insured persons in the company increases, VTB Medical Insurance will be able to make a significant discount to the organization. It is also possible to provide medical services to the relatives of the insured employees. The company has existed for over ten years, serving a wide variety of organizations. Insurance company employees monitor the work of medical institutions that provide services to corporate clients.
Disadvantages of voluntary insurance
There are also disadvantages of using VHI, for example:
- The insurance is geographically limited (the policy is not valid abroad).
- The contract stipulates that medical care and drugs are paid for at the expense of VTB Medical Insurance. However, for outpatient treatment, payments must be made by the patient himself. The company only covers the costs of treating a client in a hospital.
- The organization does not guarantee that when insured event the client will receive cash payments. The course of therapy in a medical institution is paid for.
Voluntary health insurance programs from VTB 24
Insurance is carried out under a number of special programs. To get acquainted with each of them, just visit the official website of VTB Medical Insurance.
Valid packages provided by this company:
- Classical. it standard version, which allows the employer to provide medical care to their employees.
- GMS Global. This program allows you to use the medical services of leading clinics around the world. The total cost of all services must not exceed $ 3,000,000,000.
- Accident insurance. The contract under this program provides for large cash payments to insured persons or their relatives in the event of an accident that resulted in serious harm to health or death.
- Employee insurance. This option is suitable for companies whose employees often travel abroad.
How to get VHI on the VTB website or in the office
To get a policy voluntary insurance, you can contact the office of the company with an application or go to the VTB Medical Insurance website.
On the territory of Russia, there are more than 300 divisions of this insurance company, thanks to which it is possible to issue a policy in almost any large city. After receiving the VHI, you will be able to use medical services in the best clinics, the total number of which exceeds 3000.
Depending on the client's personal preferences, qualified specialists of VTB Medical Insurance will select the most suitable VHI program. For registration you will need a passport and a completed application.
VTB Medical insurance for migrants
In accordance with the amendments to the legislation of the Russian Federation, foreign citizens and stateless persons must have insurance. The employer does not have the right to hire a specialist without a policy.
Geography of compulsory health insurance for visitors
In this regard, visitors from the following countries can apply for compulsory medical insurance for VTB, if necessary:
- Tajikistan;
- Moldova;
- Ukraine;
- Uzbekistan;
- Republic of Belarus;
- Turkmenistan.
After obtaining insurance, the client will be able to receive medical services in accordance with the terms of the contract. Assistance to insured persons is provided in case of soft tissue injuries, frostbite, burns, poisoning and in other cases. It is important to bear in mind that the insurer pays only for treatment and diagnostics in the hospital, ambulance visits to the client and transportation of the patient to the hospital, as well as drugs for treatment within the walls of the medical institution.
Policy cost for migrants
Depending on the set of services provided, the cost of insurance may vary:
- Voluntary health insurance for 2,000 rubles is usually issued by employers. The package of services is minimal (diagnostics and treatment in the institution).
- The policy for 8,000 rubles involves the use of the services of medium-level medical institutions.
- For 30 thousand rubles, a client will be able to undergo treatment in expensive clinics. Including private dentistry, ambulance, as well as visits to polyclinics.
- The most expensive package will cost 50 thousand rubles. Within the framework of this program, the client has access to treatment and diagnostics in elite clinics. Taking into account insurance risks, the cost of the policy may vary.
conclusions
VTB Medical Insurance provides various packages of services, thanks to which each client can choose the best program for himself. There are options for both voluntary and compulsory insurance. Reviews of the service packages of this company are mostly positive, which confirms the reliability of the insured.
The insurance industry is now in great demand, so many companies are actively developing in this area. The company "VTB Medical Insurance" offers to issue additional insurance, which will allow you to use a wide range of services with the onset of insured events.
What it is?
Many employers offer their staff VHI health insurance policies that cover the costs of health care services. The company "VTB Medical Insurance" issues compulsory medical insurance and voluntary medical insurance policies. With the receipt of the first document, a person gets the opportunity to use services in state institutions. In JSC "VTB Medical Insurance" the policy can be obtained on favorable terms.
The VHI document costs are covered in full or in part, they are valid only in paid clinics. A contract is concluded with each client, according to which a certain range of services is valid.
Benefits
VTB Medical Insurance is chosen by many clients due to the advantages of working with the company:
- Large selection of programs. The client gets the opportunity to choose the range of services that he needs. Thanks to the selection of the program, payment for services unnecessary for the client is excluded.
- Constant assistance of the dispatcher. A person may need medical assistance at any time, so the work of a round-the-clock call center minimizes risks. With its help, it will be possible to make an appointment, find out the necessary information, which is very important for busy people.
- With an increase in the number of employees specified in the contract, the tariff decreases. This benefit applies to corporate programs. The employer is given a discount with an increase in the number of insured persons.
- Family members of an employee can enjoy service benefits. This is beneficial because the insurance is provided by the employer and the benefits are enjoyed by employees and their families.
disadvantages
VTB Medical Insurance also has disadvantages:
- Limited area of \u200b\u200bvalidity 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 be valid only where it was issued.
- Compensation can only be obtained with inpatient treatment. Most of the drugs are bought outside the hospital, so no funds are paid for them.
- There are many conditions in the contract, if not fulfilled, there may be a refusal to reimburse 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.
- There will be no other compensation besides the payment for the recovery.
Programs
Previously, the company was called VTB Medical Insurance. Now it has the form of an organization - JSC. Lots of clients choose voluntary insurance. This service is provided in the following programs:
- Classic LCA. The program is considered standard, it provides employees of the organization with quality medical care, including diagnostics and treatment.
- GMS Global Medical Solutions. This program is used for diagnostics and treatment in major clinics around the world. It assumes a large amount of coverage, the limit is $ 3 billion.
- Accidents. Under the terms of the program, in the event of an accident that caused harm to health, including death, the insured person or his heir receives the compensation stipulated by the contract.
- The program allows you to receive assistance with business trips abroad.
Customers can choose programs of their choice. The list of services for them is different, from which the cost is different. Thanks to the variety, you don't have to overpay for help that may not come in handy.
Policy for corporate clients
This is the employer's insurance of its personnel. The programs are considered beneficial to all parties. The employer has the following advantages:
- The policy reduces the cost of working hours for receiving medical care, since the service is offered in organizations with a long work schedule.
- Continuous maintenance reduces morbidity.
- There is no need to pay taxes from insurance premiums.
- Payments exceed the amount that is paid with the execution of the contract.
If the employer provides medical policy "VTB Insurance", it increases its authority in the eyes of employees. With the onset of an insured event, you must contact the company, providing personal documents. If it is confirmed, the client is paid the compensation stipulated by the terms of the contract.
VHI for migrants
VTB Medical Insurance in Moscow and other cities allows migrants to use services. The policy is issued to citizens who are temporarily in the country. This will allow them to avoid adverse consequences for life and health.
The policy is intended for receiving medical and sanitary care in outpatient organizations, clinics, hospitals. With the registration of the document, in addition to assistance, a person is provided with compensation upon the occurrence of an insured event.
The cost
The price of the policy is different for each client, since it depends on several factors:
- Term of the contract. It is annual, but it can be valid for 3 months. A short-term document is beneficial for workers in a seasonal position.
- Client's age. The higher it is, the greater the risks of seeking help, as well as the wider the list of services.
- Package list. This is a list of services that is included under the terms of the contract.
The cost of the VHI policy for 1 person is slightly more than 300 rubles. Such services are beneficial and necessary. Registration of the document will not take time, and the costs will be justified.
