What do you know about insurance in Ukraine? Car owners are probably familiar with compulsory vehicle insurance, but health insurance is still considered something insignificant and optional. In most European countries, health insurance has long been compulsory, but at the same time, there is voluntary health insurance that covers a wider range of services and is mostly paid for by the employer. And this allowed the citizens of these countries to feel protected. After all, in case of health problems, there is no need to look for where to get money to pay for expensive medicines or the services of a qualified doctor. As a rule, insurance covers all expenses.
In Ukraine, health insurance is still voluntary. This is explained by the “pseudo-free” healthcare. After all, everyone understands that our healthcare is free only formally, as the level of medical services provided by public institutions leaves much to be desired. To get qualified help or go to a private clinic, a patient needs to pay a certain amount of money.
Accordingly, voluntary health insurance is the best solution in the current circumstances. What it is, how it works, and what benefits are available to insurance policy holders will be discussed further in this article.
An insurance policy is an alternative access to fast and high-quality
medical care
Ukrainian consumers have different attitudes toward voluntary health insurance. One group of people believes that it is an unnecessary waste. Others are superficially familiar with the concept of VHI or do not know about the existence of such a service at all. Meanwhile, an insurance policy today is a reliable guarantee of receiving timely, qualified medical care. The outdated stereotype that you can’t buy health has completely lost its meaning today. You may not be able to buy health, but it is quite possible to buy an insurance policy that provides comprehensive examination, treatment, and medicines.
Innovative Insurance Capital offers various voluntary health insurance programs. Each person can choose the policy that suits him or her in terms of price and scope of services. The programs are filled on an individual request, i.e. the client himself takes part in the formation of insurance programs. The pricing policy of insurance policies is designed in such a way that policyholders have the opportunity to choose both an inexpensive policy and a premium option with an extended set of options.
Important! Regardless of the package you choose, health insurance includes a standard list of services that are available to policyholders (clients of the insurance company):
- calling an ambulance to your home;
- consultations with general and specialized doctors at medical facilities;
- a general practitioner’s visit to your home and/or office;
- diagnostic and laboratory tests;
- comprehensive medical services for inpatient treatment;
- provision of medicines as prescribed by a doctor.
An extended list of additional options can be included:
- dental services;
- critical illnesses;
- other options at the choice of the insured.
Telemedicine may be included in the insurance package. This is a special service that allows doctors to communicate with patients via audio and video communication and remotely conduct consultations and monitor the patient’s condition.
As a rule, the term of the VHI agreement is 1 year. The date of commencement of insurance coverage is determined by the parties in each individual case.
The main benefits of an insurance policy are as follows
As the practice of insurance companies shows, in most situations, an insurance policy fully covers the costs of treatment and medicines. In some cases, the owners of a budget policy have to cover the difference if the cost of treatment exceeds the sum insured or the deductible is triggered. Each client of Innovative Insurance Capital can consult with a specialist of the Company before concluding a contract, which will allow them to learn all the details of insurance programs and choose the optimal coverage.
The key advantage of the VHI insurance policy is affordable and timely medical care. How does it work? In the event of an insured event (illness, injury), the client contacts a medical assistant or sends a message via messenger or mobile application. Once the request is recorded, the coordinating doctor sends information about the doctor and the time of the patient’s appointment, and after the visit, organizes additional examinations and/or medications for the insured. If the medicines were purchased independently, it is important to keep receipts for the purchase of medicines and medical reports in order to receive compensation from the insurance company.
Let’s highlight other benefits that a patient who owns a health insurance policy receives:
- Support from the insurance company. The client can call the assistance service on any issue to find out the nuances of the provision of medical services under the policy.
- Full or partial reimbursement of out-of-pocket expenses for treatment and medicines. The contract clearly states what percentage of medical expenses the insurance company covers.
- Service in a hospital or medical center convenient for the insured.
- A wide range of insurance programs. The policyholder can choose the optimal program for health insurance of his family or work team.
Health insurance will be a reliable support in cases where medical care is urgently needed, but you don’t want to spend time looking for a suitable specialist and waiting in line for hours to see a doctor at a district clinic.
Treatment costs can be the most unpredictable and “painful” for the family budget. Insurance will make the costs predictable. Often, paying for an insurance policy is much cheaper than visiting hospitals, doctors, and laboratories on your own.
Take care of your personal airbag in advance so that you can receive comprehensive modern medical care in an emergency.
Which health insurance program to choose
Today, VHI in Ukraine is at a stage of rapid development, so insurance companies provide an expanded set of programs. Which policy is better to choose depends on the client’s wishes, family composition, number of employees and their age, and the region where medical programs are provided.
The cost of the policy will vary and depend on the range of services and the medical centers chosen for service. An inexpensive policy provides services in public institutions. More expensive options provide services of doctors in modern commercial medical centers.
Most often, clients of Innovative Insurance Capital choose comprehensive insurance policies. First, such insurance always provides for additional bonuses for clients. And secondly, comprehensive health insurance allows various companies and enterprises to insure all their staff and provide a full social package for employees.
Voluntary health insurance makes it possible to feel protected and guaranteed to receive top-level medical services. The insurance company is interested in the speedy recovery of the insured person, so it selects experienced doctors and covers the cost of high-quality medicines. Employers are also interested in collective staff insurance, as employees recover faster with proper medical care. It should be noted that employers receive loyalty from employees in return and can hire more qualified personnel.
Medical centers, doctors, and hospital staff are much more attentive to insured patients because partner clinics, like insurance companies, are interested in making sure that the client is satisfied after receiving services.
No one likes to be sick, but the need to allocate a large sum of money for treatment makes the problem even more acute. Innovative Insurance Capital provides a full range of voluntary health insurance services to ensure that each client feels supported in a difficult situation.
Updated VHI service for corporate clients
Innovative Insurance Capital has developed an improved service for corporate clients. Medical assistance with a mobile application is available 24/7 and allows the client to contact the coordinating doctor directly.
How does the mobile application work? Any insured employee can find out the terms of the insurance contract, their program, the scope of services, and exclusions from coverage in the app.
In the event of an insured event (illness, injury), there is no need to call the insurance company and report the illness. The app allows you to make an appointment with a doctor right away. The mobile application simplifies the application procedure. Clients of Innovative Insurance Capital Insurance Company do not need to waste time calling the medical assistance service to confirm an insured event.
In cases where the system detects that the request does not correspond to an insured event, the company’s assistance team will receive the information and contact the insured to clarify the details.
Please note that all assistance staff have a medical education, so customer support is provided by qualified specialists. Each application is processed on a turnkey basis. An employee of the company controls the entire customer service process and monitors that the services are provided in a timely manner and at a high level.
VHI from INSK is the best solution on the market
insurance services in Ukraine
IC “Innovative Insurance Capital” is a high level of service due to technical improvement and standardization of business processes. Our goal is to provide our clients with a quality insurance product aimed at ensuring a high level of medical care for each insured. Professionals of IC “Innovative Insurance Capital” use an individual approach to each client and study their needs, helping them to choose the best insurance coverage.
The main priority of IC “Innovative Insurance Capital” is to provide a range of services in the field of health insurance that best meets the needs of the insured. We try to find mutual understanding with each client and provide comprehensive information on each insurance product. Customers of Innovative Insurance Capital Insurance Company receive all these benefits: selection of program content for insurance of the entire team, timely medical care and quality control, loyalty of employees to the employer. INSK’s VHI policy is a guarantee that the client will not be left alone with unforeseen life circumstances.