(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 simple, affordable, and thanks to tax incentives, and a 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 complex 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 are looking for growth economic efficiency while reducing morbidity and labor losses.
The amount of insurance payments is not charged insurance premiums(unified social tax).
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.
In order 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 medical insurance (VHI) 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 saving is still 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 for more high level. Often, health care 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 acquiring VHI policy is the fact that the insurer provides treatment for its clients in different medical facilities, which may be located near 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.
By concluding an agreement with an insurance company, the organization provides employees state of the art medical care at a relatively low price, while the quality of care is continuously monitored by the insurer, which guarantees its decent level. Affordable cost is achieved due to the fact that 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 p.3 subclause 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 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 mandatory pension insurance, compulsory health insurance and mandatory 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 most short 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 "POLIS OF LABOR MIGRANTS", in accordance with the Rules of VMI for foreign citizens and stateless persons who are in the territory of the Russian Federation for the purpose of carrying out their labor activities, as amended on 07.12.2016
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 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 this close cooperation, a 24-hour client protection service operates, contributing to the resolution of conflicts and contentious issues that may arise in the event of insured event.
AK Bars has many insurance programs. The following risks are insured:
Official site of the insurance company 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:
Includes accident and health insurance.
Accident insurance covers the following types of damage:
The Health Complex policy will provide:
Insured events in this type of contract are:
Benefits of health insurance policies:
Provides for the execution of policies "Apartment and House".
"Apartment" includes:
Cases in which insurance payments occur:
Benefits of applying for an apartment policy:
The insurance policy "House" will allow you to insure against such cases as:
Registration of insurance country house provides:
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:
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.
Each type of insurance depends on its price.
Within what price range you can purchase policies, let's consider in detail:
"Apartment" is issued in 3 sections, it is possible to issue a policy for partial insurance:
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.
Price insurance policy"Voyage" from 26 rubles. The price of insurance depends on total amount insurance, can range from 35 to 100 thousand rubles.
The pricing components of the cost of the policy are also:
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:
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 on the insurance market for over 10 years, has a well-deserved reputation and respect from customers.
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 profitable terms registration of 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 get insurance for any movable and real estate. 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).
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 throughout the entire republic.
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.
Insurance AK Bars has a single customer service contact center. 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, 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.
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, there will be an active link 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 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 left phone number during registration, the login will be this very number.
