Insurance LLC Ak Barsa. Voluntary health insurance "Ak Bars Med" Why is it needed?

(information posted 05.30.17 9:00)

Voluntary Medical Insurance (VHI) - personal care for your staff.

What is this?

A qualitative addition to compulsory health insurance is voluntary health insurance (VHI), which allows you to fully or partially compensate for the costs of paid medical care.

Voluntary health insurance (VHI)- this is a simple, affordable, and thanks to tax incentives, an economically beneficial way for an enterprise to provide employees with high-quality medical care, in addition to the State Guarantee Program.

This is a form of organizing insurance in case of loss of health, providing citizens with the opportunity to fully or partially compensate for the costs of medical care, in addition to the public health care system or compulsory health insurance.

Voluntary health insurance- This wide choose health insurance programs, providing a comprehensive approach to health care and individual solutions for each client.

The voluntary health insurance program is a list of medical services under the insurance contract that will be paid for by the insurer, indicating the total insured amount and/or individual insured amounts for each type of care, as well as medical institutions where the insured can receive care.

For corporate clients IC "AK BARS-Med" offers employee health insurance programs that provide all types of medical care - outpatient, inpatient, dental, rehabilitation, ambulance and emergency care.

Why is this necessary?

You control the organization's expenses for medical services and can attribute the costs of voluntary medical insurance to the cost price.

You achieve increased economic efficiency while reducing morbidity and labor losses.

Insurance payments are not calculated on the amount insurance premiums(unified social tax).

A company's care for its employees is one of the indicators of the high level of its corporate culture.

Question:

What benefits does an employer receive when providing voluntary health insurance to its employees? How to justify such a need

Answer

Voluntary health insurance is not so much a benefit as it is a mechanism for personnel management; it is an opportunity to control the level of morbidity in an enterprise, incl. and in terms of individual workers.

An organization's care for its employees is one of the indicators of the high level of its corporate culture, which is the main factor in shaping the organization's image, both in the eyes of its business partners and the general public.

To attract and retain qualified specialists, in addition to a competitive salary, it is often necessary to offer employees an attractive benefits package. The VHI agreement is the first thing included in the social package.

Voluntary health insurance (VHI) is an important argument for reducing staff turnover, increasing team loyalty and ensuring greater productivity by reducing employee days of incapacity.

Any employer is undoubtedly concerned with the question of how to create an optimal social package and not overpay for it. Moreover, even if free medical care is chosen as the only social argument (whether it is voluntary health insurance or purchasing an annual subscription to a clinic), the issue of saving still remains relevant. So what should you choose - an insurance policy or buy a subscription to a service in a clinic?

Today, many medical and preventive institutions (HCIs) offer service subscriptions, the cost of which, as a rule, is lower than the cost of voluntary health insurance policies by an average of 15-20%.

However, VHI has a number of advantages:

Firstly, if you compare the quality of service, insurance also provides it for more high level. Often, health care facilities, having received funds for services, 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 specific clinic, the patient no longer has the opportunity to choose a medical facility, whereas in the event of the onset of any complex disease, the insurer can refer its client to a highly specialized clinic where there is relevant experience in treating this disease.

Thirdly, if a doctor’s help is required on a day off (and all health care facilities, as a rule, have one day a week off), then you have to wait for a working day, while the insurer can refer its client to another medical institution that is open on a given day, with whom the company has a service agreement.

Also an important argument for an employer in favor of purchasing a voluntary health insurance policy is the fact that the insurer provides treatment to its clients in various medical institutions, which may be located near the home or work of each insured. This is very convenient for employees - after all, by “attaching” the entire team to one clinic, the employer thereby condemns those “losers” who live at the opposite end of the city to get with great difficulty to the medical facility, which again does not have a positive effect on their health, nor on a positive attitude towards such a social bonus.

By concluding 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 care provided is continuously monitored by the insurer, which guarantees its decent level. Acceptable cost is achieved due to the fact that Insurance Company, having contracts with various medical institutions has significant discounts on services and exercises control over the quality and volume of services provided, avoiding unjustified, imposed services.

VHI IS BENEFITABLE FOR ENTERPRISES!

in accordance with Art. 149 clause 3 clause 7 of part II Tax Code RF 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 of all employees;

in accordance with clause 1, clause 5, art. 9 Federal Law dated July 24, 2009, insurance premiums under VHI contracts concluded for a period of at least 1 year are not subject to insurance contributions for compulsory pension insurance, compulsory medical insurance and compulsory social insurance;

in accordance with Article 213, paragraph 5 of Part II of the Tax Code of the Russian Federation the insurance premium is not included in the employee’s total annual income.

AK BARS-Med specialists are ready to develop an individual health insurance program that takes into account the specifics of your company.

Advantages:

24-hour 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 make it possible to resolve issues of attachment and medical care in the shortest possible time;

Availability of insurance offers individuals, foreign citizens.

For more detailed information, you can contact the managers of the VHI sales department by phone: 8/843/ 527-48-20; 524-96-96; 527-48-52

List of medical organizations providing medical care insured under the VHI program "MIGRANT LABOR POLICY", in accordance with the VHI Rules for foreign citizens and stateless persons staying in the territory of the Russian Federation for the purpose of carrying out labor activities, as amended on December 7, 2016.

The AK Bars insurance group includes three limited liability companies: AK Bars insurance, AK Bars-med insurance, AK Bars medicine. The companies have branches throughout the Republic of Tatarstan, including some urban villages. AK Bars Insurance has been on the insurance market for more than 10 years and has a well-deserved reputation and respect from clients.

Insurance at AK Barse LLC

AK Bars Bank is the only member of all LLCs of the AK Bars group. The Bank allows life and disability insurance for its borrowers, as well as their personal property and real estate, only in its own insurance organizations.

AK Bars Bank offers profitable terms registration of insurance at AK Bars Insurance LLC for its clients, if the borrower wishes to fulfill this clause of the loan agreement.

AK Bars Insurance LLC provides all options for personal and property insurance. You can take out insurance for any movable and real estate. The policy covers all types of damage to property. The amount of the insurance payment can range from 250,000 rubles to 1,150,000 rubles, reimbursed within 5 days after registration of the insured event.

Medical insurance can be purchased in two types: against accidents, and a comprehensive health insurance (service, diagnosis and treatment in case of illness).

Division of AK Bars honey

AK Bars-med LLC was founded by the very first of the group. In the company you 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 and guarantees high-quality and fast service to its patients in any medical department throughout the republic.

Medical direction

The main direction of AK Bars Medicine LLC is the implementation of medical activities: examination of the client, diagnostics and laboratory tests. You can even get advice from a therapist or pediatrician over the phone. The results of the study can be viewed on the website of AK Bars Medicine LLC.

Registration of an insured event

Insurance AK Bars has a single contact center for customer service. Hotline available at any time of the day by phone number 8-800-500-03-03, calls to it are absolutely free. According to reviews, specialists work quite quickly.

When an insured event occurs, the insured person must inform the company about the incident by phone, and then collect the documents required under the terms of the insurance for payment of compensation and present them to the organization’s office. If you need advice or assistance from AK Barsa insurance specialists, you can also call the hotline.

How to activate your insurance card

Activating the AK Bars insurance group card is very simple. On the main page of the official website there is a button to activate the card. There are 4 available card types on the AK Bars website.

Depending on 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, there will be an active link to apply for a policy, clicking on which you need to read the terms of the insurance program. The card is activated.

You can directly issue a policy in your personal 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 phone number you left during registration, and this same number will serve as your login.

AK Bars insurance company 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 beyond its borders. The main priority area of ​​work is personal insurance for 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 partners' assets include their own outpatient and inpatient medical departments.

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Thanks to this close cooperation, there is a 24-hour service to protect the interests of clients, helping to resolve conflicts and controversial issues that may arise in the event of an insured event.

AK Bars operates many insurance programs. Insurance is provided for such risks as:

1. Property insurance.
2. Risks related to civil liability.
3. Land, water and air transport.
4. Cargo insurance.
5. Insurance of business and financial risks.

Official website 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;
• internal organ injury;
• bruise and concussion;

The Health Complex policy will provide:

1. Consultation from qualified, reputable specialists.
2. Diagnostics and examination using the most modern equipment.
3. Free laboratory tests.
4. Inpatient stay in the best clinics.

Insured events in this type of contract are:

• injuries received as a result of an accident;
• the person suffered from an accident;
• insect bites;
• mouse fever;

Advantages of medical insurance policies:

1. Will give confidence in the event of unforeseen circumstances that pose a threat to life and health.
2. Will provide timely financial assistance.
3. Provides qualified medical care.
4. Prompt access to insurance payment by submitting an application for the occurrence of an insured event online.

Property insurance

Provides for issuing “Apartment” and “House” policies.

"Apartment" includes:

1. Interior decoration.
2. Furniture and equipment.
3. Responsibility to neighbors.

Cases in which insurance payments occur:

• cases of force majeure;
• fire;
• illegal actions of 3 persons (theft, burglary);
• failures of internal communications;
• flooding by neighboring residents;

Advantages of taking out an “Apartment” policy:

1. Operational financial support in the event of insurance assistance. Payment in cash within 5 days.
2. If this is an apartment, isolation from unscrupulous neighbors.
3. Permission conflict situation if, as a result of a communications breakdown, you caused harm to other residents.
4. The ability to obtain insurance without an inspection will save time.

The “Home” insurance policy will allow you to insure against such cases as:

• disaster;
• explosion, fire;
• damage caused by third parties;
• falling of large objects and trees;
• short circuit in the electrical network;

Registration of insurance country house provides:

• 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 email.

Voyage insurance includes:

• provision of emergency medical care;
• consultation with doctors;
• treatment in a clinic;

An insurance policy will help you insure not only illness and injury, but also compensate for the risk of inability to make a trip and theft of luggage.

Tourism insurance is not only a prerequisite for obtaining a visa, including Schengen. When traveling abroad, you are insured against unpleasant surprises if medical assistance is required. Medicine abroad is somewhat different from ours; the services of medical workers are very expensive and can cost you a fortune.

Relatively inexpensive insurance will save you from unnecessary hassle and worry. The company compensates not only for consultations with doctors, but also for necessary medications. If necessary, the policy provides the possibility of hospitalization.

Cost of insurance policies

The price depends on each type of insurance.

Let us consider in detail within what price category policies can be purchased:

Personal insurance

1. Accident insurance policy c provides a range of amounts for which the client wants or is ready, based on his budget, to insure his health and life. Scale of insurance amounts: 100 thousand rubles, 200 thousand. rub., 300 thousand. rub., 400 thousand rub., 500 thousand rub. 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.
2. Complex "Health" is 1.5% of the insured amount, from 50 thousand rubles. up to 200 thousand rubles The minimum insurance is 750 rubles.

Property insurance

The “apartment” is issued in 3 sections; it is possible to issue a policy for partial insurance:

1. Repairs and equipment are insured from 100 thousand to 500 thousand rubles.
2. Furniture, also, from 100 to 500 thousand rubles.
3. Flooding of neighbors from 50 to 150 thousand rubles.

Thus, if you insure yourself for 3 positions at once, the minimum insured amount will be 250 thousand rubles, and the maximum reaches 1 million 150 thousand rubles. The cost of the policy for each section is 0.6%, 0.4% and 0.4%, respectively.

The amounts can vary. For example, leave a minimum amount for furniture and repairs, but increase the amount of risk of flooding for neighbors or any other combinations.

"House" depends on the presence of additional buildings, and the commission varies for different positions from 0.36% to 0.8%.

The insured amount can be from 200 thousand rubles. up to 1 million 150 thousand rubles.

Price insurance policy“Voyage” from 26 rub. The price of insurance depends on the total amount of insurance; it can range from 35 to 100 thousand rubles.

The pricing components of the cost of the policy are also:

• the country to which you are traveling or a number of states planned to visit;
• period of stay abroad;
• age of the insured;

How to apply?

Getting AK BARS insurance is easy and simple. This is the most accessible, 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.