Voluntary health insurance

Medical insurance — a form of social protection of the public's interests in health care, expressed as a guarantee that medical care will be paid for from the funds accumulated by the insurer when an insured event occurs. Medical insurance will protect your employees when they need it.

Medical insurance for legal entities

      It is, above all, a social package for employees. Every employer is interested in having its employees, especially highly qualified ones, work more and benefit both themselves and the company rather than constantly taking sick leave and effectively failing to perform their duties. This is exactly the problem that employee medical insurance solves. Your employees will not waste time looking for a good doctor, will not be left without help when health problems arise, and will be under the 24-hour care of the insurance company's medical assistance service. 

Insurance programmes vary depending on the imagination of the insurance company. Experts recommend paying less attention to the programme's name and more to its content and coverage.  

The economy programme includes:

• Emergency medical care
• 24-hour advisory and dispatch service
• Family doctor consultation 

The minimum medical insurance programme includes:

• Family doctor consultations 
• Outpatient treatment for emergency and medical indications 
• Inpatient treatment, almost always for emergency indications only
• Emergency medical care: call-out of both state ambulance teams (which are free anyway) and private ones  
• 24-hour Call Centre

The standard medical insurance programme includes:

• Family doctor consultations 
• Outpatient treatment for emergency and medical indications 
• Inpatient treatment for emergency and medical indications 
• Dentistry and medicines free of charge within the set limits
• Travel insurance for trips abroad
• Emergency medical care: call-out of both state ambulance teams (which are free anyway) and private ones  
• 24-hour Call Centre

The maximum medical insurance programme includes:

• Family doctor consultations 
• Outpatient treatment for emergency and medical indications 
• Inpatient treatment for emergency and medical indications 
• Dentistry and medicines free of charge within the set limits
• Travel insurance for trips abroad
• Recovery at a sanatorium after surgery
• Pregnancy and childbirth care
• Home care services
• Emergency medical care: call-out of both state ambulance teams (which are free anyway) and private ones  
• 24-hour Call Centre

Add-ons to the medical insurance programme that can be purchased separately:

• flu vaccination, including a pre-vaccination doctor's consultation and post-vaccination monitoring
• annual medical check-up, including examinations by specialists, fluorography, tests and diagnostics
• dentistry with a limit, covering services on medical indications
• newborn monitoring and care
• registration with an obstetrician-gynaecologist
• pregnancy monitoring and obstetric care
• medical insurance for travel abroad
• emergency medical evacuation and repatriation within Kazakhstan and worldwide

Medical insurance programmes also differ from each other in: 

• The content of the medical insurance contract
• Limits and the sum insured
• The clinics available to the insured person

Under the Economy programme, the family doctor organises and manages medical care. The family doctor provides consultations and diagnostics and refers the patient for further outpatient or inpatient treatment. The family doctor also arranges specialist consultations, laboratory and diagnostic tests, preventive check-ups, vaccinations, and dental check-ups and treatment.

Medical insurance programmes for companies and organisations make it possible to:

• receive qualified medical care in outpatient, inpatient and sanatorium settings, emergency and urgent care, and access to world medicine through the insurance system;
• reduce the cost of sick-leave payments and financial assistance in case of illness for employees;
• improve productivity and reduce the time employees spend on sick leave;
• enhance the company's prestige;
• significantly cut the cost of treatment and rehabilitation of employees.

Medical insurance contract

Today almost any insurance company can offer a voluntary medical insurance contract. BUT there are certainly market leaders that the other insurance companies follow. Check the procedure and the finer points of a medical insurance contract with insurance brokers and agents listed in the association's registry.

Medical insurance for individuals

Because of the high loss ratio of medical insurance, individuals cannot always buy this type of cover, or the price will be quite high and medical underwriting will be mandatory.

In medical insurance 

YOU HAVE ACCESS TO

• Emergency care
• Outpatient treatment at medical centres, including:
• Laboratory and instrumental tests of any complexity
• Consultations, monitoring and treatment by specialists
• Arranging consultations with leading specialists and professors
• Arranging medical case conferences
• Physiotherapy and massage
• Help from a trusted family doctor in choosing medical facilities and specialists
• Inpatient treatment in wards of private departments of clinics, including:

Emergency and planned hospitalisation

Surgical department

Therapeutic treatment

• Treatment and consultations at home and in the office
• Seasonal and travel vaccinations
• Highly qualified dental care
• Medicines obtained with free prescriptions at pharmacy chains

ADDITIONAL SERVICES

• Medical support during pregnancy  
• Care of newborns from birth to one year
• Preventive check-ups
• Setting up first-aid stations
• First-aid training courses
• Provision of first-aid kits

The price of medical insurance, or How much good medical insurance costs.

It all depends on the insurance programme; approximate costs are as follows: 

standard programme from 30,000 to 50,000 tenge

mid-range programme from 60,000 to 80,000 tenge

VIP programmes from 90,000 to 300,000 tenge 

Medical insurance companies. There are 10 insurance companies on the market of the Republic of Kazakhstan whose programmes deserve attention. We recommend obtaining offers from the entire insurance market. 

When choosing medical insurance, the Association of Insurance Agents and Brokers recommends

1. Consult a specialist

2. Study the medical insurance contract carefully, especially the exclusions section

3. Decide what you expect from medical insurance

4. Plan your budget

5. If you have a large number of employees, the programme should be designed individually

 

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