Any individual, whose age is from 16 to 60, has a right to enter the medical insurance plan.
LIABILITY LIMIT
Besides those listed in the chapter “Exclusions from the insurance plan”, the Insurance Company covers all your medical expenses within the following liability limit:
DEFERRED PERIOD
No surgical operation or hospital service expenses of this period are reimbursed, even in severe and urgent cases (accident cases receive an insurance support as exclusion).
INSURANCE COVERAGE INCLUDES:
Description of the basic coverage:
Rehabilitation: During the period of 3 months after a surgical operation included into to Insurance Plan, reimbursement of the expenses for laboratory analysis and medical examination by specialist physicians, performed in direct connection with the surgery applied and under condition of the related medical appointment, is guaranteed. The Insurance Plan doesn’t cover providing with medicines prescribed for rehabilitation period and receiving of physiotherapeutic procedures including physiotherapy, medical massage, curing sports, acupuncture, manual therapy.
Description of Additional Coverage:
In situations when the surgical operation of benign tumours is needed for the patient’s living and staying in life, the surgery operation is covered by insurance.
The surgery operation of malignant tumours is covered by insurance.
Note: Course of the chemical treatment, medicines used during this treatment and relevant injections are covered by insurance only during the period of 3 months after a surgical operation applied, in frames of the rehabilitation support plan and according to the medical prescription from the doctor.
Surgical operation on aortic-coronary bypass surgery and implantation of the cardio-stands for treatment of an acute myocardial infarction is covered by insurance only if infarction was defined by a doctor as happened during the insurance period. When the need for surgery has been approved, the insurance company covers expenses on the angiography.
The insurance company covers expenses for surgical operations on transplantation of organs only when its need resulted from an accident.
Note: Search for the needed transplantation organ’s donor, buying of that organ as well as the related expenses coverage – none of these is included into the insurance plan. When the alive donor is used for transplantation, the insurance company does not cover expenses for surgery operation on taking the organ from the donor. If the operation didn’t result in donor organ’s reception, transplantation repetition within the same insurance period is not included into the insurance plan.
Insurance covers necessary surgical operation on varicose expansion of veins of the lower limbs. Surgery intervention performed for getting rid of the venous asterisk belongs to plastic surgery and its coverage is not included into the insurance plan. Pampinocele is considered to be an inborn pathology and thus its surgery is not included into the insurance plan. Supportive medical accessories needed for post-operational rehabilitation, elastic bandages, stockings etc. are not included into the insurance plan.
* You can obtain broad information on diseases and accidents which are not included into the insurance plan here.
HOW TO APPLY FOR THE MEDICAL AID:
After all of the listed above documents are submitted, then our highly experienced medical experts will perform the medical expertise of the insured event.
When the medical expertise by the insurance company confirms that the insured event had occurred in accordance with conditions of the contract between the insurance company and the patient, then you will be advised about the best medical establishments and highly experienced medical specialists providing medical services for your diagnosis; clinical consultations will be provided; you will be instructed about all procedures needed; control on the medical aid’s guarantied quality will be organized.