Voluntary health insurance(VHI) has become widespread among health-conscious citizens and among companies with a quality approach to the health of their employees.

The insurance company RESO-Garantia provides VHI services in Russia and the CIS countries.

About company

IC "RESO" was founded in 1991.

Today, the insurer has a license to provide more than 100 types of insurance services. The company serves more than 11 million customers and has 900 branches in Russia, employing over 22,000 agents.

In 2016, RESO-Garantia took 121st place among the largest enterprises in Russia.

The UK implements dozens of different VHI programs designed for people from 0 to 79 years old. Under the policy, you can receive medical services included in the program.

RESO-Garantia cooperates with more than 800 clinics throughout Russia. In Moscow alone, the company has contracts with more than 100 medical institutions, including:

• a network of medical centers "MedSwiss";
• "Good doctor";
• ambulance service medical care;
• a network of clinics "Polyclinika.ru";
• network of polyclinics of Russian Railways;
• Swiss Medical Center.

In the regions, insured persons receive the same amount of medical care as in the capital's clinics.

Services are organized by the Medical Support Center and specialists of the branches of the IC. This allows you to resolve issues around the clock, regardless of the location of the insured citizen.

VHI programs

RESO-Garantia constantly expands programs and regularly updates the list of services.

"Doctor RESO"

Citizens of the Russian Federation and other states can be insured under the program. The policy is valid in the territory:

• Moscow region;
• Moscow;
• St. Petersburg;
• Leningrad region;
• Nizhny Novgorod;
• Perm;
• Yekaterinburg;
• Novosibirsk;
• Samara;
• Tolyatti.

The service package includes:

• outpatient care;
• calling a doctor at home;
• emergency;
• telemedicine.

The policy is valid for 1 year. The basic program of visiting MedSwiss clinics for Muscovites aged 18-59 will cost 30,300 rubles.

"Aibolit"

The program is intended for residents of Moscow and St. Petersburg, aged 0 to 18 years. The service package includes:

• outpatient care;
• personal doctor;
• emergency;
• telemedicine.

A personal doctor comes for preventive examinations, health monitoring and planned patronage for infants. Additionally, you can include dentistry and an emergency hospital.

In Moscow, basic insurance for a child up to a year costs from 291 thousand rubles, from one to five years - 159,300 rubles, five to eight years - 125 thousand, from 8 to 18 years - 84,300 rubles.

Pregnancy and childbirth

Services under the program "Management of pregnancy" and "childbirth" are available for residents of Moscow. "Management of pregnancy" begins with any trimester and continues until 36 weeks. The following services are available to patients under the policy:

• examination by an obstetrician-gynecologist;
• consultation of narrow specialists;
• laboratory diagnostics;
• medical documentation;
• in-depth medical diagnostics.

When insuring childbirth, the patient is provided with:

• reception of an obstetrician-gynecologist with the preparation of a birth plan;
• clinical blood and urine tests;
• call for emergency medical care with the onset of delivery;
• small ward in a hospital;
• anesthesia;
• hospitalization in case of complications;
• ultrasound procedure;
• fetal cardiac monitoring.

Services are provided in 20 Moscow clinics. For a woman in labor and a baby, a 1-2 bed ward is provided. The cost of the policy depends on many factors:

• chronic diseases;
• the age of the woman in labor;
• what is the number of pregnancy;
• gestational age.

On average, "Management of pregnancy" and "childbirth" cost around 100 thousand.

Programs for pregnant women and women in labor from AlfaStrakhovanie -

"DMS-Labor"

The UK offers to insure their health to foreign citizens and stateless persons for a period of 3 months to 3 years.

"DMS-Labor" includes primary and emergency medical care, and operates in 200 cities of Russia. The policy is issued for non-working people (children, housewives, pensioners) and working foreigners.

The terms of insurance for migrants can be found at the link "Rules of voluntary medical insurance for labor migrants".

"Health without limits"

Under the program, the UK organizes and pays for the treatment of insured persons abroad. Diseases for the diagnosis of which the service "Health without borders" is available:

• oncology;
• coronary artery bypass grafting;
• operations on the heart valves;
• transplantation of organs and tissues;
• neurosurgery.

On the onset insured event, "RESO" organizes a trip to one of the leading clinics located in the following countries (at the client's choice):

• Israel;
• Finland;
• South Korea;
• Germany;
• Spain.

The IC draws up documents, provides an interpreter, pays for therapy, accommodation, transportation, and examination. Insurance payments range from 150,000 to 500,000 euros.

"The ABC of Health"

To examine the health of narrow specialists and pass the necessary tests, "RESO-Garant" offers the diagnostic program "The ABC of Health".

The list of doctors is negotiated at the conclusion insurance contract. Based on the results of the examination, a conclusion of the therapist is issued, containing practical recommendations.

Inclusion in a standard policy of a diagnostic program will cost from 13,600 rubles for Muscovites from 18 to 59 years old.

"Soon to school/kindergarten"

For admission to children's educational institutions, you must submit a certificate in the form F-026U.

The certificate is issued by a pediatrician after the child has been examined by the following specialists:

• neurologist;
• ophthalmologist;
• surgeon;
• orthopedist;
• speech therapist;
• dentist.

As well as a laboratory study of blood, urine, feces.

The cost of a diagnostic program for children in Moscow is from 11,300 rubles.

"Emergency help"

The program provides insurance for citizens of the Russian Federation and other states who live in Moscow, St. Petersburg, Nizhny Novgorod and other cities of Russia.

The service package includes an ambulance and an emergency hospital. Additionally, you can connect diagnostics and telemedicine.

Citizens from 0 to 75 years old can be insured. The policy is issued for a period of 1 year. The cost of the basic program for Muscovites aged 18-59 is from 5,000 rubles.

Protection against tick-borne encephalitis

As part of the insurance contract, medical assistance will be provided to the client in any region Russian Federation. Under the tick-borne encephalitis protection program, there are no age restrictions for the insured person.

Service package includes:

• outpatient monitoring;
• emergency hospital;
• rehabilitation treatment.

The policy is valid for 1 year. In the event of an insured event, the victim is paid compensation in the amount of up to 500 thousand rubles.

Telemedicine

The telemedicine service can be additionally connected to the insurance program. It is based on providing assistance via the Internet and includes two options:

• "Videodoctor";
• "Second Medical Opinion".

VideoDoctor is a round-the-clock online consultation on pediatrics and general medical practice. The number of calls is not limited.

“Second medical opinion” is the issuance of a written opinion of a specialist doctor based on the submitted medical documents.

Benefits of VMI "RESO"

Among IC "RESO-Garantia" has a number of competitive advantages:

• developed network of branches;
• partnership with medical centers;
• own doctors;
• round-the-clock dispatch services;
• unchanged insurance premium during the period of the contract;
• additional benefits in partner medical institutions;
• individual manager;
• installment plan for insurance premium;
• high level of service;
• system of discounts for organizations;
• with a one-time insurance of close relatives, a discount of up to 20% is provided;
• benefits upon renegotiation of the contract.

In addition, insured citizens have access to Personal Area on the Internet, where you can download the policy, track the expiration date of its validity and extend the contract.

Clients who have issued VHI are entitled to a tax deduction in the amount of up to 120 thousand rubles (Article 219 of the Tax Code of the Russian Federation).

The cost of the insurance policy

You can find out the preliminary calculation of the price for an insurance policy using a special online service.

VHI provides citizens with the opportunity to receive medical care in commercial, departmental and other medical institutions in addition to the CHI system. VHI protects the interests of the insured associated with the costs of providing him with medical care in the event of an insured event.

RESO-Garantia is engaged in voluntary medical insurance since 1994. Today our programs VHI used by more than 500,000 people. RESO-Garantia one of the three largest insurers in Russia in terms of VHI.

tax incentives

An individual has the right to receive social tax deduction in the amount of up to 120,000 thousand rubles. per year when concluding a VHI agreement in their favor, as well as in favor of their spouse, their parents and their children under the age of 18 (Reason: tax code RF (part two) art. 219, para. 1, paras. 3).

Not an insured event and the Insurer does not reimburse the cost medical services rendered to the insured person:

• in medical and other institutions not provided for in the insurance contract;
• in connection with pathological conditions and injuries that have arisen or received:
  a) in a state or as a result of alcoholic, narcotic, toxic and other intoxication,
  b) as a result of or when the Insured commits illegal actions,
  c) in connection with the intentional infliction of bodily harm to the Insured, suicidal attempts.

Advantages of VHI in RESO-Garantia:

• Unique program for individuals has no analogues among other insurance companies;
• The policy "Doctor RESO" opens for you 90 best medical institutions in St. Petersburg and the Leningrad region. This is a guarantee of your visit to a specialist doctor in the near future from the day of treatment;
• Consultation in foreign clinics with leading specialists (second opinion);
• Round-the-clock medical dispatch service saves you time for making an appointment with the right specialist;
• The cost of the contract remains unchanged during the insurance year, even if paid in installments;
• There is no limit on the number of hits;
• Beneficial for the family - up to 20% discount

Insurance conditions:

• Contract time VHI 1 calendar year
• The age of the insured persons is from 1 year to 75 years*.
• Treaty VHI is concluded on the basis of a completed medical questionnaire and takes effect 15 days after signing and payment.
• The insured chooses the category of clinics (1, 2 or 3), where he can be served under the basic program (doctor's appointment at the clinic + home care + ambulance), and in addition to the basic program, dentistry, medical examination and emergency inpatient care can be included in the policy .
• Home care and ambulance services are provided within the administrative boundaries of St. Petersburg (Kronshtadt, Lomonosov, Zelenogorsk), as well as partially Gatchinsky Vsevolozhsky and Lomonosovsky districts.

Citizens are not accepted for VHI insurance:

• registered in narcological, neuropsychiatric, anti-tuberculosis, dermatovenerological (for venereal diseases) and other dispensaries, centers and prevention of AIDS and HIV infections;
• invalids of the first and second groups;
• patients with oncological diseases;
• citizens hospitalized on the date of conclusion of the contract.

RESO-Garantia is one of the leading guarantors in the field of voluntary and compulsory medical insurance in the Russian Federation. VHI policies that it offers have gained great popularity precisely as effective additions to compulsory medical insurance certificates.

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Advantages of a policy in a company

Voluntary medical insurance at RESO-Garantia has the following positive aspects:

• high level of reliability of the insurer;
• the company constantly gets into the ratings of the most successful insurers in the medical field;
• a large selection of VHI programs that will satisfy the needs of clients of different ages and social status;
• reasonable rates for insurance;
• high quality service;
• the presence of reliable foreign partners who act as guarantors of the eligibility of an insurance company in Russia;
• extensive experience in the insurance market;
• the possibility of applying for a policy online;
• timely payment of the insurance premium upon the occurrence of an insured event;
• big network medical institutions who cooperate with the RESO company;
• round-the-clock information support;
• the possibility of personal participation of the client in the formation of a suitable VHI programs;
• personal determination of the type and volume of services that will be covered by insurance;
• personal choice of medical institutions that will allow you to receive proper care;
• receiving high quality medical care.

RESO-Garantia provides voluntary medical insurance services throughout Russia. The list of significant advantages when applying for a VHI policy in this company should also include a large number of positive reviews from its customers.

VHI programs in Reso

The Reso company offers a number of the following products in the field of voluntary medical insurance:

• Dr. RESO;
• aibolite;
• emergency help;
• labor VHI policy for migrants;
• health sector;
• pregnancy and childbirth;
• protection against tick-borne encephalitis.

Each of the products presented above is focused on a different set of insured events and coverage volumes.

Dr. Reso

This VHI program is the pride and one of the most demanded products of Reso-Garantia as an insurer. Citizens of foreign states and the Russian Federation can equally insure under it.

The basic elements of the program are:

• outpatient care;
• help at home;
• emergency.

Additionally, you can include in the coverage:

• diagnostic program for adults "ABC of Health";
• diagnostic program for children "Soon to school/kindergarten";
• emergency hospital;
• dental care.

The purchase of a diagnostic program for adults allows the insured to monitor their health, undergo unscheduled examinations and receive recommendations from doctors.

The Back to School/Kindergarten diagnostic program will facilitate the participation of parents and children in medical commissions before entering the university, as well as the beginning of the school year in kindergarten or school.

The main advantages of the Dr. Reso program as a whole are:

• affordable price and profitable terms insurance;
• a large set of options;
• service in any medical institution of the selected category;
• insurance with close relatives allows you to apply reduction factors for personal VHI insurance.

The list of positive aspects of the product, Dr. RESO, should also include the availability of round-the-clock information support, which is provided by the dispatch service of the insurer.

Aibolit

This is a program for children ages 0-18 that provides the most complete home health care for a child.

When applying for a policy, the attending physician will come not only in case of an exacerbation of the disease, but also for the purpose of a scheduled or preventive examination.

Thus, parents will be able to control the health of their child, avoiding long queues and unfriendly service in children's clinics. Doctors come at home, which means that examinations and vaccinations will also take place in similar conditions.

A personal doctor is assigned to the child under the program. This program is network. Citizens of the Russian Federation, as well as foreign countries, can be insured under such a product.

The basis for the program are:

• outpatient care;
• personal doctor;
• emergency.

Additions to the policy can be:

• emergency hospital;
• dental care.

Most parents who live in megacities appreciate the absence of the need to stay in traffic jams on the way to the hospital or wait for an appointment with the local pediatrician only during the period of exacerbation of the child's illness. This is precisely the main advantages of the Aibolit program.

Emergency help

The product is specially designed for individuals who do not experience serious health problems and cannot pay for the purchase of the "Dr. Reso" policy.

It helps to significantly save on health insurance without putting your health at risk. The program is focused on providing specialized care only in emergency cases.

The basic product options are:

• emergency hospital;
• Ambulance.

You can supplement insurance by including such an option as a diagnostic program. Foreigners and citizens of the Russian Federation are entitled to insure for this product. There are no age restrictions.

Pregnancy and childbirth

This program includes two separate products. The Pregnancy Management Program can begin at any trimester of pregnancy, but ends at 36 weeks.

The insurance covers doctor's appointments, examinations, medical documentation and diagnostic tests.

The insurance product "Childbirth" provides material coverage during the hospitalization of the patient, calling an ambulance and staying in the hospital. In addition to the policy, you can order coverage in case of diagnostic tests, fetal cardiac monitoring.

Labor policy for migrants

This VHI program appeared relatively recently (in 2014), but has already managed to gain some popularity among individuals who came to the Russian Federation to work or study. Insurance fully meets the requirements of the labor legislation of the Russian Federation.

The initial insurance program includes two risks:

• outpatient emergency care;
• hospital admission.

At the request of the client, the program can be diversified with the following options:

• scheduled outpatient care;
• emergency dental care;
• repatriation;
• childbirth.

Policy benefits:

• favorable price, optimal conditions;
• organic set of options;
• the policy is valid throughout Russia;
• you can apply for help in more than 200 cities of the country;
• round-the-clock information support works.

The main condition is that all insured under this program have foreign citizenship. But the number of persons who can receive insurance is unlimited. It can be friends, relatives, colleagues and acquaintances.

Health sphere - international medicine

This program is a truly unique creation for the Russian insurance market. It opens access to international medicine at relatively low rates. The Sphere of Health policy can be issued in any region of Russia, regardless of citizenship or state of health.

A Spanish company, which specializes in building a bridge between foreign and Russian medical care, took part in the development of this product.

The basic coverage includes the following options:

• second medical opinion - allows you to receive written recommendations from recognized foreign experts in serious diseases;
• ask a doctor - involves remote consultation of a specialist;
• organization of inpatient treatment at fixed prices;
• services - transfer, invitation, hotel accommodation, meals, accompaniment in the clinic, monitoring.

Consultations within the framework of this program are carried out in absentia. Personal presence is not required, and all conclusions are made on the basis of medical reports sent by mail.

Consultations are carried out both by doctors of the Spanish partner clinic and other foreign medical institutions. If necessary, all information will be translated into Russian. The program has several levels, which differ in the set of options.

Protection against tick-borne encephalitis

Under this program, the client provides himself with protection in case of a tick bite throughout the Russian Federation. Any person who is at least 1 year old and not older than 75 years old can insure for this product. The amount of the insurance maximum - 500.000 rubles.

The warranty period is 1 year. Insurance premiums paid at the same time. The coverage begins to operate on the 5th day after the issuance of the policy. The program provides for a 30-day monitoring of the patient's health status.

Coverage is based on three main risks:

• outpatient care;
• unscheduled hospital;
• rehabilitation treatment.

Medical care is provided on an outpatient basis. The emergency hospital involves protection in the development of Lyme disease and severe encephalitic conditions.

The rehabilitation treatment program is specifically designed to help the patient recover from long, debilitating outpatient treatment for tick-borne encephalitis.

Price

When compiling the table, the three most popular VHI programs from Reso were used. Most often, customers prefer the basic programs, but it is obvious that even additional options do not significantly affect the cost of the Emergency Assistance policy.

It is an ideal solution for those who do not need constant medical care and can save a lot of money if there is a need for unscheduled treatment or hospitalization.

VMI guarantee, which positions itself as a system of "minimum guarantees" that allows you to receive high-quality and prompt medical care of the highest level. The main advantage of this can be called the personal participation of citizens in the formation of the necessary list and spectrum of medical care. Unprotected categories The population will be able to easily determine the current type of insurance program, as well as the amount of assistance provided, and choose the necessary medical institution.

The company offers RESO Guarantee VHI program designed for various categories of the population throughout the Russian Federation. In any city in the country, you can easily get medical care if you have an insurance policy from the company.

Benefits include:

• Payment of all relevant medical expenses by the client is carried out within the framework of the current insurance program.
• Among the strategic partners of the insurance company, one can note the multidisciplinary clinics of the Medswiss group, located directly in the cities of Moscow and St. Petersburg, as well as in the region. In addition, the Dobry Doktor Dental Center, which provides high quality services, is a strategic partner in Moscow.
• Work with "Personal Doctors" is also envisaged, in particular, the company's personal doctor conducts up-to-date monitoring of the health status of all potential RESO customers who decide to take advantage of the offer and order an insurance policy, insure their own health. Medical workers can easily go to the office of working clients, as well as to the home of children under one year old. Such a service of "Personal Doctors" will provide the highest quality and individual approach to each insured person.
• Offers RESO Guarantee medical insurance as part of a separate program "Sphere of Health", which allows you to access the best medical specialists in their field of activity.
• As part of the service, the company offers the opportunity to contact the dispatching medical services, which employs only experienced medical personnel capable of providing high-quality consulting services. In addition to the opportunity to find out answers to urgent questions, specialists will help organize planned, emergency medical care, register a client for an examination with a clinic specialist, and also call a doctor at home. It is worth noting that the service also includes employees who speak fluent English language ready to advise the person who applied.
• Throughout the term of the policy, the insurance premium remains unchanged, even taking into account the fact that during the year the medical services market rises in price by about 14%, if there is no economic crisis. The insurer does not change the direct amount of the premium under the contract, and the risk of an increase in the price of the services provided by the company RESO Guarantee assumes completely.

VHI RESO programs

It is worth highlighting the following VHI RESO programs:

• Doctor RESO is a program, the basic package of which includes outpatient, emergency medical care, a doctor's house call, as well as the "Sphere of Health" offer, within the Classic level.
• VMI-Labor is a program specially designed for labor migrants. It can be used by foreign citizens, stateless persons staying in Russia for the purpose of work or study.
• "Emergency Assistance" - a program created for those citizens who do not have permanent health problems, works only in rare, emergency cases.
• "Aibolit" is a program created for children and adolescents up to 18 years of age.
• "Health without borders" is a program designed to help and pay for the treatment of a patient abroad if a critical illness is diagnosed.

RESO Guarantee, which offers a VMI policy that is popular, regardless of the necessary medical care, provides the easiest and most effective way of medical insurance.