Voluntary medical insurance "ak bars honey". Insurance from the company “ak bars” DMS ak bars honey what is included
(information posted on 30.05.17 9:00)
Voluntary Medical Insurance (VMI) - personal care for your staff.
What's this?
A qualitative addition to compulsory health insurance is voluntary health insurance (VHI), which allows you to fully or partially compensate for the cost of paid medical care.
Voluntary medical insurance (VHI) is a simple, affordable, and thanks to tax incentives, and cost-effective way for the enterprise to provide employees with high-quality medical care, in addition to the State Guarantee Program.
This is a form of health insurance organization that provides citizens with the opportunity to fully or partially compensate for the cost of medical care, in addition to the public health system or compulsory health insurance.
Voluntary health insurance- it's a wide choice health insurance programs providing a comprehensive approach to health care and individual solutions for each client.
The voluntary medical insurance program is a list of medical services under the insurance contract that will be paid by the insurer, indicating the total sum insured and / or individual sums insured for each type of assistance, as well as medical institutions where the insured can receive assistance.
For corporate clients IC "AK BARS-Med" offers employee health insurance programs that provide all types of medical care - outpatient, inpatient, dental, rehabilitation and recovery, emergency and emergency care.
Why is this needed?
You control the organization's expenses for medical services and can attribute the costs of voluntary medical insurance to the cost price.
You achieve an increase in economic efficiency while reducing morbidity and labor losses.
Insurance premiums (single social tax) are not charged on the amount of insurance payments.
The company's concern for its employees is one of the indicators of the high level of its corporate culture.
Question:
What benefits does an employer get when providing VHI to its employees? How to justify such a need
Answer
Voluntary medical insurance is not so much a benefit as a personnel management mechanism, it is an opportunity to control the level of morbidity at an enterprise, incl. and in the context of individual workers.
The care of the organization about its employees is one of the indicators of the high level of its corporate culture, which is the main factor in shaping the image of the organization, both in the eyes of its business partners and the general public.
To attract and retain qualified professionals, in addition to a competitive salary, it is often necessary to offer employees an attractive benefits package. The VHI agreement is the first thing that gets into the social package.
Voluntary health insurance (VMI) is an important argument for reducing staff turnover, increasing team loyalty and ensuring greater labor productivity by reducing the days of disability for workers.
Any employer is undoubtedly concerned about the question - how to create an optimal social package and not overpay for it. At the same time, even if free medical care is chosen as the only social argument (whether it be VHI or the purchase of an annual subscription to a clinic), the issue of savings still remains relevant. So what to choose - an insurance policy or buy a subscription to a service in any clinic?
Today, many medical institutions (HCIs) offer service subscriptions, the cost of which, as a rule, is lower than the cost of VHI policies by an average of 15-20%.
However, DMS has a number of advantages:
First, if we compare the quality of service, then insurance also provides it at a higher level. Often, health facilities, having received funds for service, begin to "save" on their clients and limit them in preventive and diagnostic procedures, etc. At the same time, it does not risk anything, since it does not bear any responsibility for the occurrence of any disease in the patient.
Secondly, having “attached” to a particular clinic, the patient no longer has the opportunity to choose a medical facility, while in the event of a complex disease, the insurer can refer his client to a highly specialized clinic where there is appropriate experience in treating this disease.
Thirdly, if you need a doctor's help on a day off (and all healthcare facilities, as a rule, have one day off a week), then you have to wait for a working day, while the insurer can send his client to another medical institution that works on that day, with whom the company has a service contract.
Also an important argument for the employer in favor of purchasing a VHI policy is the fact that the insurer provides treatment for its clients in various medical facilities that may be located close to the home, work of each insured. This is very convenient for employees - after all, by "attaching" the entire team to one clinic, the employer thereby dooms those "losers" who live at the opposite end of the city to get to the health facility with great difficulty, which again does not affect health in the best way, nor a positive attitude towards such a social bonus.
Having concluded an agreement with an insurance company, the organization provides employees with a modern level of medical care at a relatively low price, while the quality of the assistance provided is continuously monitored by the insurer, which guarantees its decent level. An acceptable cost is achieved due to the fact that the insurance company, having contracts with various medical institutions, has significant discounts on services and controls the quality and volume of services rendered avoiding unjustified, imposed services.
VHI IS BENEFICIAL FOR ENTERPRISES!
in accordance with Art. 149 clause 3 clause 7 of part II of the Tax Code of the Russian Federation the insurance premium is not subject to VAT;
in accordance with Art. 255 clause 16 of Part II of the Tax Code of the Russian Federation the insurance premium is included in expenses in the amount of up to 6% of the annual wage fund for all employees;
in accordance with paragraph 1, paragraphs. 5, art. 9 FZ dated 24.07.09, insurance premiums under VHI agreements concluded for a period of at least 1 year are not subject to insurance premiums for compulsory pension insurance, compulsory medical insurance and compulsory social insurance;
in accordance with Article 213, Clause 5, Part II of the Tax Code of the Russian Federation the insurance premium is not included in the total annual income of the employee.
AK BARS-Med specialists are ready to develop an individual medical insurance program that takes into account the specifics of your company.
Advantages:
round-the-clock medical dispatch service in real time;
constant monitoring of the volume and quality of services provided in medical centers, providing medical and service support;
reliable partnerships with medical institutions allow us to resolve issues of enrollment and medical care in the shortest possible time;
availability of proposals for insurance of individuals, foreign citizens.
For more information, you can contact the managers of the VHI sales department by phone: 8/843/ 527-48-20; 524-96-96; 527-48-52
The list of medical organizations providing medical care to those insured under the VHI program "POLIS OF LABOR MIGRANTS", in accordance with the VHI Rules for foreign citizens and stateless persons who are on the territory of the Russian Federation for the purpose of carrying out their labor activities, as amended on 07.12.2016
AK Bars insurance has been operating in the insurance services market for almost 10 years. A large network of branches has been developed not only in the Republic of Tatarstan, but also abroad. The main priority in the work is the personal insurance of individuals.
This is due to the fact that AK Bars is part of an insurance group, where the main partners are companies whose activities are related to medicine. The assets of the partners have their own outpatient and inpatient medical departments.
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Thanks to such close cooperation, a round-the-clock customer protection service operates, which helps to resolve conflicts and disputes that may arise in the event of an insured event.
AK Bars has many insurance programs. The following risks are insured:
- Property insurance.
- Civil liability risks.
- Land, water and air transport.
- Cargo insurance.
- Insurance of business and financial risks.
Official site of the insurance company AK BARS.
Key types of insurance AK Bars
Despite the fact that AK BARS specializes more in personal insurance, the company also works with other policies.
The main priority areas are:
Health insurance
Includes accident and health insurance.
Accident insurance covers the following types of damage:
- burns;
- limb injury;
- trauma to internal organs;
- bruise and concussion of the brain;
The Health Complex policy will provide:
- Consultation of qualified, recommended specialists.
- Diagnostics and examination on the most modern equipment.
- Free laboratory research.
- Inpatient stay in the best clinics.
Insured events in this type of contract are:
- injuries resulting from an accident;
- the person has been injured in an accident;
- insect bites;
- mouse fever;
Benefits of health insurance policies:
- It will give confidence in the event of unforeseen circumstances that threaten life and health.
- Provide timely financial assistance.
- Provides qualified medical care.
- Prompt access to the insurance payment by submitting an application for the occurrence of an insured event online.
Property insurance
Provides for the execution of policies "Apartment and House".
"Apartment" includes:
- Interior decoration.
- Furniture and equipment.
- Responsibility to neighbors.
Cases in which insurance payments occur:
- cases of force majeure;
- fire;
- illegal actions of 3 persons (theft, burglary);
- accidents of internal communications;
- flooding by neighboring residents;
Benefits of applying for an apartment policy:
- Prompt material support in the event of insurance assistance. Cash payment within 5 days.
- If it is an apartment, isolation from dishonorable neighbors.
- Resolution of a conflict situation if, as a result of a communication failure, you caused harm to other residents.
- The possibility of obtaining insurance without inspection will save time.
The insurance policy "House" will allow you to insure against such cases as:
- disaster;
- explosion, fire;
- causing damage by third parties;
- falling large objects and trees;
- short circuit in the mains;
Country house insurance includes:
- home insurance;
- outbuildings and saunas (baths);
- property in the house;
Travel insurance
Registration of a document for those traveling abroad in AK Bars is carried out in 2 minutes and you can receive it via e-mail.
Voyage insurance includes:
- provision of emergency medical care;
- consultation of doctors;
- treatment in the clinic;
An insurance policy will help you insure not only illness and injury, but also compensate for the risk of being unable to travel and theft of luggage.
Travel insurance is not only a prerequisite for obtaining a visa, including Schengen. Traveling abroad, you are insured against unpleasant surprises if you need medical assistance. Abroad, medicine is somewhat different from ours, medical services are very expensive and can cost you a fortune.
Relatively inexpensive insurance will save you from unnecessary troubles and worries. The company compensates not only for consultations of doctors, but also for necessary medicines. If necessary, the policy provides the possibility of hospitalization.
The cost of insurance policies
Each type of insurance depends on its price.
Within what price range you can purchase policies, let's consider in detail:
Personal insurance
- Accident insurance policy c provides for the range of amounts for which the client wants or is ready, based on his budget, to insure his health and life. Scale of sums insured: 100 thousand rubles, 200 thousand rubles. rub., 300 thousand. rub., 400 thousand rubles, 500 thousand rubles. The cost of the policy is 1% of the sum insured. That is, if you want to insure yourself for 100 thousand rubles, you will have to pay 1000 rubles. and further accordingly. Payment is made within 5 days from the date of filing an application for the occurrence of an insured event.
- Complex "Health" is 1.5% of the sum insured, from 50 thousand rubles. up to 200 thousand rubles The minimum insurance is 750 rubles.
property insurance
"Apartment" is issued in 3 sections, it is possible to issue a policy for partial insurance:
- Repairs and equipment are insured from 100,000 to 500,000 rubles.
- Furniture, also, from 100 to 500 thousand rubles.
- Flooding of neighbors from 50 to 150 thousand rubles.
Thus, if you insure at once on 3 positions, the minimum insurance amount will be 250 thousand rubles, and the maximum reaches 1 million 150 thousand rubles. The cost of the policy for each of the sections is 0.6%, 0.4% and 0.4%, respectively.
You can change the amount. For example, leave a minimum amount for furniture and repairs, but increase the amount of risk of flooding neighbors or any other combination.
"House" depends on the availability of additional buildings, and the commission varies for different positions from 0.36% to 0.8%.
The sum insured can be from 200 thousand rubles. up to 1 million 150 thousand rubles.
The cost of the insurance policy "Voyage" from 26 rubles. The price of insurance depends on the total amount of insurance, it can vary from 35 to 100 thousand rubles.
The pricing components of the cost of the policy are also:
- the country to which the departure is carried out or a number of states planned to be visited;
- period of stay abroad;
- the age of the insured;
How to apply?
Making AK BARS insurance is easy and simple. This is the most affordable, comfortable and efficient insurance system.
There are 3 main ways to cooperate with an insurance company:
Quality of service
Our regular customers can evaluate the quality of insurance services.
The insurance group AK Bars includes three limited liability companies: AK Bars insurance, insurance AK Bars-med, AK Bars medicine. The companies have branches throughout the Republic of Tatarstan, including some urban-type settlements. Insurance AK Bars has been in the insurance market for over 10 years, has a well-deserved reputation and respect from customers.
Insurance in LLC AK Bars
AK Bars Bank is the sole member of all LLCs of the AK Bars group. The Bank allows life and disability insurance of its borrowers, as well as their personal property, real estate only in their own insurance companies.
AK Bars Bank offers favorable conditions for obtaining insurance at AK Bars Insurance LLC for its customers if the borrower wishes to fulfill this clause of the loan agreement.
LLC AK Bars insurance provides all options for personal and property insurance. You can take out insurance on any movable and immovable property. The policy covers all types of damage to property. The amount of the insurance payment can be in the range from 250,000 rubles to 1,150,000 rubles, and is reimbursed within 5 days after the registration of the insured event.
Medical insurance can be issued in two types: from accidents, a complex for health (service, diagnosis and treatment in case of illness).
Division of AK Bars honey
LLC AK Bars-med was founded by the very first of the group. The company can obtain policies for compulsory medical insurance and voluntary medical insurance, excluding life insurance. AK Bars LLC does not issue a life insurance policy.
It is possible to obtain a medical policy for foreigners or Russian citizens traveling abroad on vacation. The insurance company has contracts with all state medical institutions of the Republic of Tatarstan, guarantees high-quality and fast service for its wards in any medical department within the entire republic.
Medical direction
The main direction of LLC AK Bars medicine is the implementation of medical activities: examination of the client, diagnostics and laboratory research. You can even get advice from a therapist or pediatrician by phone. The results of the study can be viewed on the website of LLC AK Bars medicine.
Registration of an insured event
Insurance AK Bars has a single customer service contact center. The hotline is available at any time of the day by phone number 8-800-500-03-03, calls to it are absolutely free. According to reviews, experts work quite quickly.
Upon the occurrence of an insured event, the insured person must inform the company about the incident by phone, and then collect the documents necessary for the insurance conditions for payment of compensation and present them to the office of the organization. If you need advice or assistance from specialists of insurance AK Bars, you can also call the hotline.
How to activate an insurance card
It is very easy to activate the AK Bars insurance group card. On the main page of the official website there is a button to activate the card. There are 4 available types of cards on the AK Bars website.
In accordance with the type of available cards, you need to click the activate button under the desired picture. You will need to enter the card number indicated directly on it and the pin code, which contains four digits on the back of the plastic. After entering these identifying data, an active link will appear to issue a policy, by clicking on which you need to read the terms of the insurance program. The card is activated.
You can directly apply for a policy in your account on the AK Bars website. If it has not been created before, an SMS message from the site containing a password will be sent to the left phone number during registration, the login will be this very number.
