Voluntary health insurance (VHI) has become widespread among citizens who care about their health, and among companies with a quality approach to the health of their employees.

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

About company

IC RESO was founded in 1991.

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

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

SK implements dozens of different VHI programs designed for people from 0 to 79 years old. Under the policy, you can get 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:

• the network of medical centers "MedSwiss";
• The Good Doctor;
• ambulance service;
• a network of clinics "Polyclinic.ru";
• a 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.

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

VHI programs

RESO-Garantia is constantly expanding its programs and regularly updating the list of services.

"Doctor RESO"

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

• Moscow region;
• Moscow;
• St. Petersburg;
• The 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.

"Aybolit"

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

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

A personal doctor comes for a preventive examination, health monitoring and routine nursing for infants. Additionally, you can include dentistry and emergency hospital.

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

Pregnancy and childbirth

Services under the Pregnancy and Childbirth program are available to residents of Moscow. Pregnancy management starts in any trimester and lasts 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 records;
• in-depth diagnostics for medical reasons.

When insuring childbirth, the patient is provided with:

• reception of an obstetrician-gynecologist with a delivery plan;
• clinical analyzes of blood and urine;
• calling emergency medical care with the onset of delivery;
• a small ward in a hospital;
• anesthesia;
• hospitalization in case of complications;
• ultrasonography;
• fetal cardiac monitoring.

Services are provided in 20 clinics in Moscow. 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 pregnancy;
• gestational age.

On average, "Pregnancy management" and "childbirth" cost around 100 thousand.

Programs for pregnant women and women in labor from AlfaStrakhovanie -

"DMS-Trudovoy"

SK offers health insurance to foreign citizens and stateless persons for a period of 3 months to 3 years.

DMS-Trudovoy 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 for voluntary medical insurance of labor migrants".

"Health without Borders"

Under the program, the IC organizes and pays for the treatment of insured persons abroad. Diseases diagnosed with the “Health without Borders” service:

• oncology;
• coronary artery bypass grafting;
• heart valve surgery;
• organ and tissue transplantation;
• neurosurgery.

In the event of an 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.

SK prepares documents, provides an interpreter, pays for therapy, accommodation, transportation, examination. Insurance payments range from 150,000 to 500,000 euros.

"ABC of health"

For health examination by narrow specialists and passing the necessary tests "RESO-Garant" offers a diagnostic program "ABC of Health".

The list of doctors is negotiated when concluding an insurance contract. Based on the results of the examination, a therapist's conclusion is issued containing practical recommendations.

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

"Coming 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 laboratory research of blood, urine, and feces tests.

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

"Emergency help"

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

The package of services 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 starts from 5,000 rubles.

Tick-borne encephalitis protection

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

The service package includes:

• outpatient observation;
• 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:

• "Video Doctor";
• Second Medical Opinion.

Video Doctor 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 medical specialist on the basis of the submitted medical documents.

Benefits of VHI "RESO"

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

• developed network of branches;
• partnership with medical centers;
• own doctors;
• round-the-clock dispatching services;
• unchanged insurance premium during the term of the contract;
• additional benefits in partner medical institutions;
• individual manager;
• installment plan for the 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 a personal account on the Internet, where you can download the policy, track the expiration date and renew the contract.

Clients who have issued voluntary medical insurance 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).

Insurance policy cost

A preliminary calculation of the price for an insurance policy can be found using a special online service.

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

RESO-GARANTIA is engaged in voluntary health insurance since 1994. Today our programs Voluntary medical insurance used by over 500,000 people. RESO-Garantia is one of the three largest insurers in Russia by Voluntary medical insurance.

Tax incentives

An individual has the right to receive a 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 (Ground: Tax Code of the Russian Federation (part two) Art.219, Clause 1, Clause 3 ).

It is not an insured event and the Insurer does not reimburse the cost of medical services provided 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 person commits unlawful acts,
  c) in connection with the deliberate infliction of bodily harm by the Insured person, suicidal attempts.

Benefits of VHI in RESO-Garantia:

• The unique program for individuals has no analogues among other insurance companies;
• Policy "Doctor RESO" opens for you 90 best medical institutions of St. Petersburg and the Leningrad region. This is a guarantee of your visit to a specialist doctor as soon as possible from the day of your visit;
• Consultation in foreign clinics with leading specialists (second opinion);
• 24-hour medical dispatch service saves you time to make an appointment with the right specialist;
• The cost of the contract remains unchanged during the year of insurance even if paid in installments;
• There is no limit on the number of requests;
• Family friendly - up to 20% discount

Insurance conditions:

• Contract time Voluntary medical insurance 1 calendar year
• The age of the insured persons is from 1 to 75 years old *.
• Contract Voluntary medical insurance is based on a completed medical questionnaire and becomes effective 15 days after signing and payment.
• The policyholder chooses the category of polyclinics (1, 2 or 3), where he can be served within the framework of the basic program (doctor's appointment at the clinic + home help + ambulance), and in addition to the basic program, the policy can include dentistry, medical examination and emergency inpatient care ...
• Home care and ambulance services are provided within the administrative boundaries of St. Petersburg (Kronstadt, Lomonosov, Zelenogorsk), as well as partially the Gatchinsky Vsevolozhsky and Lomonosov districts.

Citizens are not accepted for VHI insurance:

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

The VHI guarantee, which is positioned as a system of "minimum guarantees", allowing 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 range of medical care. Unprotected categories of 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 RESO Garantia VHI offers a 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.

The benefits include the following:

• The client pays for all current medical expenses within the framework of the current insurance program.
• Among the strategic partners of the insurance company are 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 Doctor 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 clients who decided to take advantage of the offer and order an insurance policy, insure their own health. Medical workers can easily go to the office to work clients, as well as to the house of children, whose age is up to one year. Such service of "Personal doctors" will provide the highest quality and individual approach to each insured person.
• RESO Garantia offers medical insurance within the framework of a separate program "Sphere of Health", which allows you to get access to the best medical specialists in their field.
• As part of the service, the company offers the opportunity to contact the dispatching medical services, which employs exclusively experienced medical personnel who are able to provide high-quality consulting services. In addition to the opportunity to find out the answers to painful questions, specialists will help organize planned, emergency medical care, register a client for 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, ready to advise the person who has applied.
• Throughout the entire period of the policy, the insurance premium remains unchanged, even taking into account the fact that during the year the market for medical services rises in price by about 14%, if there is no economic crisis. The insurer does not change the direct amount of the premium within the framework of the contract, and the risk of an increase in the price of the services provided by RESO guarantee is fully assumed.

VHI RESO programs

It is worth highlighting the following programs of VHI RESO:

• Doctor RESO is a program, the basic package of which includes outpatient, emergency medical care, a doctor's call at home, as well as the "Health Sphere" offer, within the Classic level.
• LCA-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 Aid" is a program created for those citizens who do not have permanent health problems; it 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 a patient's treatment abroad if a critical illness is diagnosed.

The RESO Garantia company, which offers a VHI policy which is popular, regardless of the necessary medical care, provides the simplest and most effective way of medical insurance.