Health protection

Health insurance – це багатосторонній страховий захист health. Буває обов'язкове (частіше, державне) та добровільне (за бажанням і за рахунок страхувальників).

Добровільне медичне insurance (DMS) – теж не program, а цілий напрямок захисту для фізичних осіб (попри обов'язкове), призначення якого захистити найголовніше – health та життя людини.

Можливо, хтось подумав, що це звучить пафосно – додаткова виплата від страхової компанії допоможе компенсувати фінансові витрати, але не зможе змінити health. Але це помилка, викликана нерозумінням можливостей, які дають health застрахованих як добровільне медичне insurance на випадок захворювання, і від нещасних cases

Why does everyone need voluntary health insurance (VHI)?

Тому що ДМС – це вирішення великих проблем зі health доступними засобами.

Problem.

У сучасному світі розвинених технологій health людини залежить вже не так від генетики, як від можливостей отримувати якісні медичні послуги. Сьогодні медицина може просто “творити чудеса”, інша річ – ціна.

Не лише складні операції, а й діагностика, медикаменти і навіть консультація у хорошого лікаря – коштують недешево, а базове медичне insurance покриває витрати обмежено. Тому багато українців вчасно не діагностують та запускають хвороби, не проходять якісної реабілітації. Так, відсутність фінансових можливостей є однією з головних причин "неhealth". Але вирішити проблему може insurance, ініційоване вами.

Decision.

Добровільне медичне insurance (DMS) – найдоступніше джерело фінансування витрат на treatment, яке допоможе не відкласти health на потім чи ніколи, а зробити все вчасно та якісно.

First, by having a health insurance policy, you will not delay seeking medical care due to lack of money, but will make health a priority, regardless of your current financial capabilities. And that's the main thing.

Secondly, by making contributions that are relatively small compared to your financial capabilities, you will receive payment for expenses that may break the budget or are not available to you, in principle. Insurance payments from DMS can be ten times higher than the contributions made. The benefits are obvious.

Отже, добровільне медичне insurance – це впевненість у фінансовій підтримці, яка допоможе захистити health у будь-яких ситуаціях.

When and how will DMS medical insurance help?

The DMS policy will help in case of:

• the occurrence of an acute or critical illness;
• temporary disability due to an acute illness or accident;
• permanent loss of working capacity (establishment of disability) as a result of illness or accident;
• death of the insured person due to illness or accident;
• receiving an injury in a road accident or as a result of the actions of third parties;
• temporary disability, death of the insured person as a result of a road accident.

You can receive the following assistance under the health insurance of the DMS:

• organization of medical assistance and provision of services in medical institutions in accordance with the terms of the contract;
• payment for medical care provided, services provided to a medical institution, including medical supplies, necessary treatment;
• reimbursement to the insured person for the costs of treatment that was carried out independently (but with the approval and under the supervision of the coordinating physician from the Insurance Company);
• consultations of the coordinating doctor online 24/7;
• control of specialists of the Insurance Company for timeliness, completeness and quality of medical services.

What risks does the DMS policy cover?

Coverage or not of specific risks depends on:

• Direction (type) of insurance;
• Selected program;
• Terms of a specific contract.

Для зручності клієнтів, програми ДМС ранжуються за набором ризиків та розмірами страхових виплат – від мінімальних до стандартних та включають мmaximumний набір послуг.

But there are generally accepted restrictions, for example:

• preventive treatment (sanatorium) or scheduled visit to the doctor is not paid for (this is provided for and is not an insured event);
• pregnancy support is not included in standard packages;
• it is not possible to insure congenital diseases and long-standing chronic diseases;
• other circumstances.

Therefore, the information about the terms of risk coverage should be carefully studied in specific programs and clarified with consultants.

What are the differences between different types of DMS

Voluntary health insurance is usually divided into several areas, which have differences in the following parameters:

• insurance event (conditions) for obtaining insurance protection;
• how assistance is provided and expenses are compensated;
• who is insured

Insurance in the event of an illness guarantees the insured person compensation for expenses or payment directly to the medical institution for expenses, if health damage is caused by the occurrence of some illness. Insurance protection may also include the organization of treatment and other services from the list and in institutions, according to the terms of the concluded contract.

Accident insurance, unlike health insurance, guarantees only financial payments to the insured person and does not provide compensation directly to medical institutions, nor does it include the organization of treatment. The conditions of the program determine only the amount of payments, and how to use them is decided by the insured himself.

Car accident insurance is different. The protection does not apply to specific insured persons (with personal data indicated), but to the driver and passengers of a specific car who were injured in an accident. That is, the car is insured, and insurance protection can apply both to individual and to all persons in the vehicle, but according to the number of seats provided by the manufacturer.

For more information on the different types of DMS, see our special sections. Medical insurance programs of SG TAS cover the maximum range of healthcare opportunities in Ukraine, operate abroad and are designed for various needs and financial opportunities.

How much does a DMS policy cost?

There are several directions with different services, everyone can choose the risks and the amount of insurance payments for themselves. So the cost is different.

The cost of the DMS policy in case of illness depends on:

• set of services (emergency care, outpatient treatment (polyclinic), hospital, stomatology, etc.);
• categories of clinics that will provide services;
• age of the insured and other individual data;
• individual or family;
• the amount of coverage that will be used to pay for medical services;
• other terms of the contract (selected risks, scope, etc.)

The cost of the DMS policy from an accident depends on:

• age of the insured;
• dangers of the profession or occupation;
• engaging in other types of active activities (for example, sports);
• duration of the contract (around the clock or in a specified period);
• the territory of the agreement;
• the amount of insurance coverage.

Insurance benefits will vary depending on the program and the client's preferences. Voluntary health insurance installments are not provided for, contributions are periodic anyway.

You can learn more about how much a specific health insurance policy costs by contacting our consultants online.

Фахівці СГ ТАС професійно дадуть відповіді на questions та допоможуть to issue найкращий поліс ДМС для вас та ваших близьких на всі випадки життя:

• for citizens of Ukraine or for foreigners;
• individual or family;
• for pensioners or those working in dangerous conditions;
• for a child or an adult, including for children traveling abroad;
• valid domestically or internationally;
• tourist and visa.

We offer 7 unique programs (more than anyone on the Ukrainian market) that cover all areas of health insurance and are designed for different financial capabilities and medical needs.

У тому числі абсолютно новий продукт ДМС від нещасних випадків “Protect Yourself and Ukraine”. Program враховує сьогоднішні українські реалії та включає військові ризики для застрахованих, а частина коштів від продажу кожного полісу спрямовується на допомогу ЗСУ.

Why TAC Insurance Group is your right choice?

Because SG TAS is:

• the leader of medical insurance in Ukraine and one of the most reliable companies;
• the largest network of representative offices in Kyiv and throughout the country;
• organization of assistance within the country and abroad;
• over 1,000 partner clinics and pharmacies;
• constant control of the quality of services;
• flexible programs and optimal price/quality conditions;
• execution of contracts 7 days a week and round-the-clock medical assistance;
• prompt settlement of payments under contracts (also online);
• Urgent delivery of the policy not only to Kyiv, but also to any point in Ukraine.

You can take out DMS insurance at any branch of SG TAS in Kyiv and other cities of Ukraine.

Get acquainted with our programs in advance, contact consultants, choose the best conditions together and order DMS insurance online.

Health insurance від СГ ТАС – це надійний захист health абсолютно доступними засобами.