Medical Insurance

VOLUNTARY EMPLOYEE MEDICAL INSURANCE (DMS)

TAS Insurance Group offers voluntary health insurance (hereinafter referred to as health insurance) for personnel, which is suitable for various organizations and enterprises and will help effectively protect the health of employees.

About the service:

What is voluntary health insurance for employees?

Voluntary employee health insurance is health insurance protection for employees of enterprises and organizations, which is initiated and financed by the employer company itself. That is why staff health insurance is also called corporate health insurance.

Corporate health insurance includes sickness and accident insurance.

Why is voluntary health insurance for employees needed?

Insurance of the labor team is an important aspect of the smooth operation of the enterprise.

Any person to one degree or another is prone to various diseases that entail loss of working capacity. If employees get sick a lot and therefore often miss work, this affects the work process in general: the efficiency of the organization's work decreases and financial losses increase.

Therefore, a pragmatic manager is interested in a healthy team, and therefore must look for optimal solutions to achieve this.

Solving big problems with small efforts makes it possible for DMS - an affordable way of financing the costs of treatment and prevention of diseases.

Voluntary health insurance provides timely and high-quality medical care to the insured persons, and therefore helps them recover their health faster and return to their duties - regardless of their personal financial capabilities.

Corporate DMS has its own characteristics

This is insurance protection of the health of individuals in addition to mandatory insurance.

The insured is the employer, who can insure both directly the company's employees and their family members.

An insured event under the voluntary medical insurance contract is the deterioration of the health of the insured person, which occurred as a result of an acute illness, exacerbation of a chronic illness, injury, burn, poisoning, or other factors.

Corporate medical insurance may include payment by the insurer of medications, organization and coverage of emergency and planned medical care, diagnostics, health procedures, laboratory and other services provided for in the terms of the contract.

The terms of the insurance contract are selected for the individual needs of employees.

The agreements are valid mainly 24/7 throughout the territory of Ukraine, except for temporarily occupied territories and territories of active hostilities.

Why is employee health insurance important?

A modern entrepreneur knows that insurance is a necessary component of a successful business, because it can protect against various risks in the most unpredictable situations. But not every employer in Ukraine is aware of the importance of insurance protection of personnel - the most valuable asset of the company. But a healthy, which means an able-bodied team is the driving force and key to the success of the enterprise.

By providing a health insurance package, the employer provides employees with additional social protection, at the same time increases their motivation and largely controls work capacity.

Therefore, a corporate health insurance policy is an excellent motivational trigger for staff, an important aspect of the company's reputation, and an effective management tool. Moreover, this applies to both large companies and small businesses.

Today, the main consumers of corporate DMS services are leading Ukrainian and foreign companies that care about their image and compete for the best personnel. But the importance of personnel health insurance should be understood by any employer who wants to get the most out of his employees.

Advantages of corporate DMS

The bonuses of corporate health insurance for employees are more than obvious, they are:

• guaranteed medical assistance and support of supervising doctors 24/7;
• quality service in proven clinics throughout the country;
• saving time on visiting medical facilities;
• possibility to insure employees' family members.

Advantages of the DMS for employer companies:

• optimization of costs for material support and social security of employees (a significant part of the financial burden is borne by the insurance company);
• reduction of days of incapacity for work;
• increasing employee motivation, loyalty and productivity;
• consolidation of the image of a modern socially responsible employer;
• improvement of the company's competitive position on the labor market.

How to choose the right health insurance for staff?

The key point in this matter is the right choice of insurance company.

Medical Insurance - досить складний вид діяльності, і забезпечити якісні послуги в цій сфері здатний далеко не кожен учасник ринку.

Обираючи страховика для укладення договору ДМС, варто враховувати такі чинники: багаторічний успішний досвід in the insurance market health, бездоганну репутацію, надійну мережу партнерів-медустанов, якісний медичний асистанс, гнучкі умови програм insurance.

Thanks to such characteristics of the insurer, everyone will be able to choose the risks, service package and insurance amount that are suitable for his team.

Why should you entrust the insurance protection of employees of SG "TAS"

Corporate health insurance from SG "TAS" is:

• impeccable reputation and more than 20 years of successful experience in the insurance market of Ukraine;
• professional and timely organization of medical assistance throughout the country by its own assistance service;
• a wide network of partners of medical institutions;
• informational support 24/7;
• individually developed programs that take into account the wishes of employees as much as possible;
• affordable insurance price, flexible system of discounts and bonuses;
• execution of contracts 7 days a week.

According to the policy (agreement) of corporate health insurance from SG "TAS", insured persons are served in any region of Ukraine:

1. in private medical institutions (partners of SG "TAS"), organized according to European standards;
2. in state medical and preventive institutions and family-type polyclinics.

The program provides three coverage options, which differ in the volume and cost of services provided: "Economy-class", "Standard-class", "Elite-class".

The basic package of services provides for the organization by the insurer of outpatient polyclinic, inpatient and emergency care, including dental care, as well as coverage of the cost of medicines.

In addition, the program may include:

• preventive and rehabilitation measures;
• scheduled professional reviews;
• vitamin prophylaxis, vaccination;
• forming an office first aid kit.

Our specialists can also develop an individual insurance product specifically for your company's staff.

How does medical insurance work?

In the event of an insured event, it is necessary to immediately contact the medical assistance of SG "TAS" - "TAS-DOKTOR".

Our manager will provide instructions on further actions of the insured person and organize the necessary medical assistance.

The round-the-clock rotation of qualified medical coordinators allows us to professionally organize the provision of medical assistance throughout the country, as well as to control the quality of services and their compliance with the selected program.

How much does insurance cost?

Єдиної відповіді на це questions немає. На the cost of the policy впливатимуть:

• package (set) of services provided;
• category of clinics providing medical care;
• age, profession and other individual data of the insured person;
• type of insurance (individual or family);
• amount of coverage for payment of services;
• other terms of the contract.

Insurance benefits will also vary, depending on the program chosen and the wishes of the client.

To calculate the price of the policy and draw up contracts, contact our consultants. Experienced specialists of SG "TAS" will clarify details, optimize conditions and help find the best health insurance solutions for your employees.