Health insurance

Under the health insurance policy, you receive services in medical institutions in case of health deterioration. Voluntary health insurance programs include basic and additional options such as emergency medical care, outpatient treatment, medication, emergency and routine inpatient treatment, as well as dental care, a number of preventive options, dermatology, diagnostics for Covid-19 treatment and other options.

The current medical system of Ukraine does not in any way cancel the possibility of voluntary health insurance. Health insurance not only provides financial protection in the event of a health disorder, but also allows you to receive full support services from the moment of illness until full recovery. Depending on the insurance program options selected, the insured person can receive medical services even in private medical institutions and from highly qualified specialized doctors.

The scope of available treatment is determined by the set of services included in the chosen insurance program.

Let's look at a few examples:

Example 1: SARS.

After the initial consultation, the doctor may prescribe a number of laboratory and instrumental tests, which results in a final diagnosis and treatment. The insurance company reserves the prescribed medicines at the nearest pharmacy convenient for the insured person or arranges for delivery. After completing the course of treatment, a second consultation with the doctor is scheduled, who records the improvement in the patient's health or adjusts the regimen and continues treatment until complete recovery.

Example 2: Pulmonary disease requiring inpatient treatment.

The patient has undergone treatment for a respiratory disease on an outpatient basis, but his or her condition has not improved and is even steadily deteriorating. The authorized physician prescribes extended outpatient diagnostics, as well as a number of instrumental studies, which reveal that the insured person has developed pulmonary disease. Given the clinical picture, the trusted doctor recommends further treatment in a hospital. The medical assistance doctor of the insurance company, together with the insured person, determines a suitable medical institution and organizes placement in an inpatient department. The insured person continues treatment, the costs of which are fully covered by the insurance company for the fastest possible recovery. If necessary, the insurance company organizes the delivery of medicines to the hospital.

Example 3: A disease that is included in the list of exclusions:

The insured person complains of a health disorder. The medical assistance doctor of the insurance company organizes a consultation with a highly specialized doctor, who, after the consultation, prescribes the necessary laboratory and instrumental tests. Based on the results of these tests, the specialist establishes a diagnosis or refutes a suspicious diagnosis and refers the insured person to additional consultations with other specialized doctors. After all consultations and diagnostic tests are completed, the diagnosis is confirmed, and the treatment of which is included in the list of exclusions from insurance. This is the end of the insurance company's responsibility in this case.

The insured person can be any individual aged from birth to 60 years who, at the time of concluding the contract

• does not have an established disability of group 1, 2,
• does not have any of the following diagnoses: toxic hepatitis, chronic hepatitis B, C, D, E, F, liver cirrhosis, chronic renal failure, stroke, malignant neoplasms, etc.

The health insurance policy is valid on the entire territory of Ukraine, except for those areas where the state authorities temporarily do not exercise their powers and those located on the contact line.

If you are planning a trip abroad, it is better to purchase a travel insurance policy designed to indemnify for medical expenses during a trip abroad.
 

Yes, but the scope of coverage and insurance limits depend on the insurance program.

Our insured can be treated in medical institutions of various types of ownership and levels. INGO's network of partner institutions includes more than 1600 medical institutions in Ukraine. All partner medical institutions are grouped into certain categories from 1 to 4, starting with state/departmental medical institutions (including specialized research institutes) and ending with branded commercial medical institutions. When choosing an insurance program, read the list of clinics to determine the level of follow-up care you need. After the contract comes into force, you will receive medical services at the medical institutions you have chosen in the insurance program.