OREANDA-NEWS. December 11, 2007. This program is complementary to the corporate voluntary medical and accident insurance policies, reported the press-centre of ROSNO.

The uniqueness of this offer is the fact that, after having received a payment contemplated in case of a critical disease, an insurant will not be left alone with his or her illness. ROSNO will act as an intermediary in arranging guaranteed high-quality medical aid of a relevant profile, both in Russian and foreign medical institutions.

Insurance coverage against such diseases as myocardial infarction, stroke, renal impairment, cancer, blindness, paralysis, disseminated sclerosis, etc. has long been widespread in many countries, serving as an instrument for financial support of those who faced such diagnoses.

Today, certain diseases recently known as terminal can already be treated; yet such treatment is still accompanied by protracted loss of working capacity, involving substantial monetary costs not reimbursed under the social security program and traditional policies of voluntary medical insurance.

Taking into account the peculiarities of the national healthcare system, ROSNO offers its corporate clients a program complementary to the voluntary medical and accident insurance policies and covering the risks of myocardial infarction, stroke, renal impairment, cancer, blindness, paralysis, urgent need for heart or large vessels surgery, transplantation of vital organs, or disseminated sclerosis.

In case if the insured team is at least 50-100 persons strong, insurance premium per one insurant will start from 800 roubles (varying depending on the chosen insurance amount). Insurance compensation equals 100% of the insurance amount under the respective risk.

Insurance compensations under ROSNO’s product "Critical Diseases" are paid upon occurrence of any critical disease included in the list. Once the insurance compensation has been paid, insurance protection of such insurant ceases to be valid. Yet the research conducted by ROSNO shows that, even after they have got compensation, such patients need further advice and assistance in arranging subsequent medical treatment.

Therefore, the program contemplates a unique service component. In case of certain diseases, an insurant can undergo a free medical examination precising his or her diagnosis, and in case of any disease, receive advice on further medical treatment. ROSNO’s partner under this program, CJSC Medsi Group, provides insurants with medical and medico-social assistance, such as: prompt arrangement of treatment in the leading medical centres of Russia and Europe at exclusively low service rates, 24-hour acceptance of the insurants’ applications, individually tailored medical program for each patient in accordance with medical indications, service support for clients (arranging transfers, accomodation, in-flight accompaniment, and translation services), medical treatment quality control, and legal assistance in case of disputes.