Voluntary medical insurance: An investment in Your employees' health

Want to boost employee motivation, enhance work efficiency, and reduce sick leave days? A Voluntary Medical Insurance (VMI) policy can help you achieve this. We'll assist you in organizing medical care for your employees, allowing you to fully concentrate on your core business activities.

What Is insured and who can be the policyholder?

• What is insured? Property interests that do not contradict the law and are related to the life, health, and working capacity of the insured person.
• Who can be the Policyholder? Legal entities, regardless of their forms of ownership. 

What constitutes an insured event?

An insured event is an insured person's visit to a medical facility due to an acute illness, exacerbation of a chronic illness, injury, accident, or other health disorder.

Contract terms: sum, cost, and term

• What is the insurance sum? The insurance sum is determined by agreement of the parties.
• How much does the insurance policy cost? Insurance tariffs, depending on the chosen program, start from 1.0% of the insurance sum.
• For what term can the insurance policy be concluded? The Policyholder independently chooses the term of the contract, which can be up to one year. 

Insurance programs: A comprehensive approach to health

We offer flexible programs that allow you to adapt VMI to the needs of your team:

Program A - Polyclinic

Provides conservative and surgical treatment in outpatient clinics, polyclinics, health and wellness facilities, and day hospitals, including:

• Medical assistance at home: Doctor's house call when needed.
• Consultations and other professional services of medical personnel, including narrow-profile specialists.
• Laboratory tests and instrumental diagnostic methods.
• Therapeutic measures and manipulations.
• Surgical treatment in outpatient settings ("minor" surgery).
• Provision of medications and consumable medical supplies (if stipulated by the contract terms). 

Program B - Inpatient treatment

Provides treatment in inpatient settings for diseases and conditions requiring hospitalization:

• Consultations and other professional services of medical personnel, including narrow-profile specialists.
• Consultative and diagnostic services, including consultations, laboratory, functional, and instrumental diagnostic methods.
• Therapeutic and surgical treatment, including operative procedures.
• Provision of medications and consumable medical supplies.
• Therapeutic measures and manipulations, including physiotherapeutic and rehabilitation at the inpatient stage of treatment. 

Program C - Emergency Care

Provides:

• Arrival of an emergency medical team.
• Express diagnostics and emergency assistance at the pre-hospital stage.
• Provision of medications and consumable medical supplies.
• Delivery by ambulance to a specialized medical facility for further treatment. 

Program D - Dentistry

Provides necessary emergency and therapeutic dental treatment:

• Detailed examination during dental care; X-ray.
• Use of various types of anesthesia.
• Root canal opening (pulp chamber opening).
• Tooth and root extraction for medical indications.
• Treatment of traumatic injuries to teeth and jaw (without prosthetics) – as emergency care for maxillofacial trauma.
• Filling of teeth and tooth canals.
• Treatment of acute toothache in pulpitis, periodontitis, periostitis.
• Scaling, cleaning, polishing (if stipulated by the insurance contract).
• Prosthetics (if stipulated by the insurance contract).
• Therapeutic dentistry – treatment of periodontitis and endodontitis (if stipulated by the insurance contract). 

Program E – Travel

Provides payment for the cost of emergency medical care or evacuation (for medical reasons) received by the Insured person during rest (travel, business trip) due to a sudden acute illness or health disorder resulting from an accident. The territory of the insurance contract for this program is Ukraine, excluding the permanent residence of the Insured person.

Provide your employees with quality medical care and increase their loyalty. Contact PRESTIGE Company today to choose the optimal voluntary medical insurance program for your business.