OREANDA-NEWS. October 2, 2009. Ingosstrakh IJSC launched four new all-in products of voluntary medical insurance for individuals based on the demand and clients’ preferences, and with regards to the actual situation in the market.

The key difference of Ingosstrakh’s new programs from other programs available in the market is that the customer won't be on contract with just one outpatient clinic, since this limits the range of services, but can choose from the large network of medical establishments. Besides, a maximum coverage to the amount of the company’s liability is provided for these insurance products. If the client needs a medical check-up or treatment that can’t be provided by the clinics in the network, Ingosstrakh will choose a relevant medical institution and pay for its services.  

“Platinum” is intended for high net-worth individuals. The maximum insurance coverage provides services of the best medical institutions in Moscow, as well as personal visiting doctor and medications from a partner pharmacy chain, Rigla (until now this service was available only to corporate clients).  The policy includes outpatient and dental services, visit by the doctor (up to 30km from the Moscow Ring Road), inpatient and emergency treatment on the territory of Russia, emergency call service within 30km from the Moscow Ring Road.  Within the framework of this product, the insured amount for the program “Polyclinic (Classic)”/”Outpatient Assistance on the Territory of Russia” is RUB 2 000 000; “Personal Doctor - Physician VIP” - RUB 2 000 000; “Special Dental Care” – RUB 1 000 000; “Scheduled and Emergency Inpatient Treatment/”Emergency Inpatient Treatment on the Territory of Russia” – RUB 5 000 000; “RIGLA Pharmacy” – RUB 10 000.

“Premium” provides a range of medical services, including scheduled treatment in superior wards and one-man wards, home visits by the doctor within 30km from the Moscow Ring Road, outpatient and emergency inpatient treatment on the territory of Russia, dental services, emergency call service within 30km from the Moscow Ring Road, hospital services in case of emergency or scheduled admission for treatment. Within the framework of this product, the insured amount for the program “Polyclinic (Classic)”/”Outpatient Assistance on the Territory of Russia” is RUB 2 000 000; ; “Special Dental Care” – RUB  1 000 000; “Scheduled and Emergency Inpatient Treatment/”Emergency Inpatient Treatment on the Territory of Russia” – RUB 5 000 000.

“Optimal” covers all necessary outpatient services, including visits by the doctor within 30km from the Moscow Ring Road. The insurance coverage can be extended to dental services and inpatient treatment, including emergency call service. The insured amounts for the programs within this product are as follows: “Polyclinic (Classic)”/”Outpatient Assistance on the Territory of Russia” is RUB 2 000 000; “Special Dental Care” – RUB 1 000 000;”Emergency Inpatient Treatment” – RUB 3 000 000.

“Rational” covers all necessary outpatient services, including dental, at an affordable price. The insurance coverage can be extended to inpatient treatment, including emergency call service. The insured amounts are as follows: “Polyclinic (Classic)”– RUB 2 000 000; “Special Dental Care” – RUB 1 000 000;”Emergency Inpatient Treatment” – RUB 3 000 000. 

“The new offers are comprehensive and provide adequate medical services of the most popular clinics of Moscow that meet high quality standards,- said Director of the Medical Insurance Department of Ingosstrakh IJSC Mikhail Kopitayko. – At that, every client can choose the services that he needs at the best price. This is especially important in the times of a crisis, when many people have to cut back on their insurance spending, but don’t want to lose high-quality medical assistance. In the near future we will put in place similar comprehensive insurance programs with a broad coverage for children”. 

New offers of Ingosstrakh IJSC are valid in Moscow and Moscow region. “Rational” is also available in St. Petersburg and Saratov at “Be Healthy” chain of medical centers.