Clinic K + 31 is a modern multidisciplinary medical institution, which provides highly qualified assistance to the adult population exclusively on a paid basis. The medical center includes a polyclinic department, a hospital, an emergency room, and has its own ambulance service.
An important advantage of the K + 31 clinic is a well-equipped diagnostic base, which allows you to undergo a full examination in as soon as possible.` In addition to ultrasound and functional diagnostics, which are offered by many medical institutions, there are computer and magnetic resonance tomographs, devices for digital radiography and mammography, and an endoscopic department. Angiography can be performed at the K+31 clinic, and in most cases this does not require hospitalization. A contraindication for angiography on an outpatient basis is a serious condition and potentially dangerous vascular patency.
In the own laboratory of the K + 31 clinic, almost any research can be performed, including hormones, tumor markers, and infections. There are special imported devices for determining the coagulation ability of blood, the content of gases in the blood.
The K + 31 clinic has developed special programs for recovery after injuries and operations on the joints and bones, including the spine, after strokes, heart attacks and heart surgeries. All programs are complex, they are compiled individually. Physical therapy, massage, acupuncture, manual therapy, hydrotherapy and many other methods are actively used.
There are many programs of one-time examination or observation over a long period of time. Programs are designed taking into account gender, age, individual needs.
Convenient location Clinic K + 31 is very conveniently located, between Vernadsky Avenue and Leninsky Prospekt. Prospekt Vernadskogo metro station is a 10-minute walk away.
The MHI budget is not enough to provide quality medical care all citizens. Under the VHI policy, private clinics are available that are not included in the compulsory medical insurance system. In such clinics there is a service, the opportunity to make an appointment with a doctor without a long wait, high-quality equipment and consumables, as well as more experienced doctors who regularly undergo advanced training.
The main advantage of voluntary health insurance is the ability to plan medical expenses for the year ahead. With the right choice of policy, taking into account annual income and necessary services, on a 10-year slice, the amount of expenses spent on VHI policy will be much less than when paying for cash. At the same time, you will have constant access to quality medicine.
There are five main types. The first is outpatient care for adults and children (categories "For adults" and "For children" on the site). It includes medical consultations, diagnostic examinations and analyses, treatment procedures and restorative procedures (massage, physiotherapy…). According to this program, you can contact the clinic if you feel unwell and in a painful condition. If you need a scheduled examination of the body, then you can add the option "Prophylactic examination". Outpatient care can also be supplemented by home care (home calls), dentistry and emergency hospital care (hospital care for acute conditions). The second one is individual programs dental care (they are in the "Dentistry" section). The third one is separate programs of emergency inpatient care (section "Emergency Care"). The fourth is cancer insurance programs (section "Oncology insurance"). The fifth is screening programs (check-ups).
Treatment of oncology in Russia under the CHI program takes place according to the mechanism of quotas, which are not enough for everyone. Sometimes you have to wait for a quota for a long time (several months), which may not be available. You can pay for such treatment yourself - average cost cancer treatment in Russia is several million rubles (more abroad). And cancer insurance costs from 8,000 to 20,000 rubles a year. Better if cancer treatment and others critical illness(heart attack, stroke) the insurance company will pay, and you won’t have to look for this money yourself. Also, foreign clinics and more modern treatment (for example, targeted therapy) are available under the cancer insurance program.
Decide on the budget that you are willing to allocate for health insurance. We recommend that it be at least 10% of your annual income. If your salary is 50,000 rubles a month before personal income tax deduction, then the optimal cost of the insurance program will be 60,000 rubles per year. We recommend that you purchase a polyclinic program with dentistry and compulsory cancer insurance for this amount. Next, select the clinic where you want to be served (you can choose programs in a specific clinic, or you can select a district and see all clinics). Next, check off any important doctors (as well as tests and examinations and restorative procedures, if you have previously been prescribed them and you may need them again). MEDO will find all programs by these parameters and you will see them short descriptions. You can enter each program and study it in detail (see all the services that are included and not included, read the text of the program under the "View Documents" button and see the clinics on the map). After choosing a polyclinic program, go to the "Cancer Insurance" section and choose a program for the remaining budget.
MEDO is a health insurance agency that works under contracts with all partners (you can check the status of partnerships in the Register of Agents and Brokers on the official websites of insurance companies). You conclude the contract directly with the insurance company (in most cases, payment also occurs directly on the website of the insurance company). We work directly with our colleagues from VHI departments in insurance companies, so with us you will quickly and efficiently resolve the issue of concluding an agreement and receiving services under it.
We are only focused on health insurance and we know quite a lot about him. We have analyzed hundreds of VHI programs and placed their most important characteristics on the website. Please note that we do not write about the marketing benefits of the programs, but about their actual characteristics (including those services that are not included in the program - they are marked in gray). We provide discounts for some programs. We also develop our own programs that contain a large amount of services at affordable prices.
* revenue according to RBC
Methodology: The RBC rating is compiled on the basis of data on the revenue of medical institutions provided by the companies themselves or published in financial reporting. In the absence of consolidated data, we estimated turnover by summing up revenue legal entities, managing clinics, used the assessments of analysts and market participants.
The RBC rating does not take into account the quality of medical services, but we asked insurance companies to evaluate their partners in terms of price-quality ratio, reputation in the market, the level of specialists, technical equipment, as well as the loyalty of medical institutions to insurers. Also, insurance companies provided data on the amount of the average check in a particular institution and the average number of policies served per month. When calculating the total score, we did not take into account the assessments of insurance companies, set by their own clinics. The result is the average of the ratings of at least three insurance companies, reduced to a five-point scale.
Due to the obvious conflict of interest, the assessments of insurers cannot be used as an indicator of the quality of medical services in a particular institution, but rather indicate the relationship between insurance and treating companies.
We thank VTB-Insurance, Ingosstrakh, RESO-Garantiya, AlfaStrakhovanie, Alliance Insurance Company, Metlife, MAKS Insurance Company and Soglasie for the provided estimates.
Total share
The whole pie that can be claimed medical companies, is quite small. Most of the money is circulating in the compulsory medical insurance system - 700 billion rubles. (2013), but the business has not learned how to work with these tools. Compulsory insurance in the structure of income of private companies does not reach 1.5%. There are many reasons for this, but the main one is that entrepreneurs are deprived of access to another major source of healthcare spending - budgetary support for medical institutions.
If the public clinic pays for repairs and supplies of equipment from earmarked funds, and the MHI allows for the payment of doctors, then private offices have to include capital costs in the check. As a result, it becomes almost impossible for them to compete for compulsory medical insurance, even if their operating activities are built more efficiently. State institutions, on the contrary, can also compete for voluntary insurance. Thus, the system of clinics of the Administration of the President (not included in the rating) is a well-known brand in the VHI market.
Among medical institutions that are not part of the Ministry of Health, the largest revenue (by a threefold margin) is shown by Russian Railways clinics - hundreds of clinics and hospitals, turnover - 28 billion rubles. But it is impossible to call them private either in terms of the form of ownership or the principles of operation: most clinics serve only employees of a state-owned company and do not work on the VHI market. Gazprom and Rosneft also have their own medical divisions, which are far inferior to Russian Railways.
Among private companies, the first place in the country is occupied by the medical subsidiary of AFK Sistema, MEDSI, with a rather modest turnover of 9 billion rubles. In second place is Invitro; in addition to the leader, the top 25 includes two more laboratory diagnostic companies — Gemotest Laboratory (No. 12) and Helix Laboratory Service (No. 17). In third place, Mother and Child Clinic is the only public company in the rating (its managing structure, MDMG, is traded on the London Stock Exchange). Per Last year capitalization of MDMG fell by more than 30%. Another successful participant in the rating (No. 5) is the Medical and Diagnostic Center of the International Institute of Biological Systems. S.I. Berezina (LDC MIBS). Behind this unpronounceable name is a company that created the market for private magnetic resonance imaging in Russia.
The market is fragmented - the 25 largest companies together do not choose even 17% of total revenue. For comparison, in such a fragmented industry as grocery retail, the 10 largest players cover 20% of the market. The total turnover of the rating participants is 77 billion rubles.
The undisputed leader in terms of revenue per establishment - 3 billion rubles. - became the clinic "Medicine", naturally located in Moscow (a quarter of the market falls on the two capitals). The results of the study show, however, that for further growth big players you need to go to the regions: there are nine companies in the rating that have an extensive network (at least in four cities), but six of them are in the top ten. In million-plus cities, it is already possible to build a large medical business — two participants in the rating do not go beyond Yekaterinburg (“New Hospital”) and Nizhny Novgorod("Sadko").
One company in the ranking, the Unified Medical Center, operates primarily on specific market medical examinations and registration of medical certificates. Those who want to go to the pool, buy a gun or get a license, as well as people who need a medical book, brought the company 1.2 billion in revenue and ensured business growth of 56% in one year; according to this indicator, the Unified Medical Center is the champion of the rating. The European Medical Center and Gemotest laboratories grew by 47% (200 points across the country). But almost all of them are growing - 20 companies of the rating showed double-digit growth rates in 2014, another five simply grew, no one reduced revenue.
The situation, however, may change: in 2015, against the backdrop of cost reductions (and staffing) by companies, market participants predict a drop in VHI costs: in Moscow, they will remain at the level of 60 billion rubles in 2015-2016. (estimated by "BusinessStat"), and in the regions will be reduced from the current 38 to 16 billion. At the same time, the gray market will grow (up to 30% in 2015). Direct payments, which account for the majority of private healthcare revenues, could also fall.
Catch up with fear
Private clinics operate virtually without state control: the Ministry of Health is not yet able to assess the quality of their work - the first such attempt will be completed only by the end of 2016. Therefore, external supervision of private clinics is carried out only by insurance companies interested in not overpaying in premiums and not losing clients. RBC asked several insurance companies to evaluate their satisfaction with work with rating participants. Insurance companies put their ratings according to their own criteria (price / quality ratio, customer loyalty, equipment and staff quality).
The resulting scores do not determine the position of companies in the rating and cannot be considered direct correlates of the quality of medical work (low scores of insurers were predictably received by the two most expensive clinics in the rating), but they give an idea of who will qualify for the VHI market and who will work with consumers directly.
