Corporate voluntary medical insurance portal for Sberbank employees. What services are included in a standard VHI policy? DMS from sogaz

Due to the unstable financial situation, Russians cannot afford high-quality individual insurance, and the number of terminated and not concluded contracts is constantly growing. But many people have a desire to use the services, so insurance companies offer a corporate insurance option. It has a number of advantages, so many enterprises and private entrepreneurs, seeing this as a significant benefit for their business, began to actively connect to the service.

The presence of insurance coverage, which is included in the social package, favorably distinguishes such an employer from its competitors in the labor market.

In turn, such a service greatly motivates the subordinate for quality work and makes him more loyal to the company and its owner. A wise employer takes care of his staff

Guaranteeing the quality of insurance services, Sberbank is currently actively providing insurance to employees of companies that are the bank's clients.

Corporate insurance is a set of services that are not limited to one policy, but are concluded in a number of agreements between the insurer bank and the client. For this reason, it becomes the most effective option for protecting against various risks that affect the quality of work of employees in enterprises. When buying a policy, the interests of not only employees at the enterprise, but their relatives can be taken into account. A distinctive feature is the provision of accumulative insurance. For employees and their families in whose interests the policy is purchased, the effect of insurance is not limited only to production and working hours: protection occurs all the time until the end of the concluded contract.

For businesses that decide to purchase a corporate policy, there are many advantages:

• insurance covers all production processes of the company;
• when concluding a corporate policy, the company wins in the cost of services: the bank is ready to provide discounts, since it immediately includes a considerable number of people in the category of its clients;
• registration takes less time than purchasing a policy for each person;
• a legal entity receives tax benefits: the paid insurance premium is classified as an expense that reduces income taxes, and is also not subject to contributions to the Pension Fund, the FSF and the FFOMS;
• the insurance premium and payments are not subject to personal income taxation;
• the policy minimizes the risks of loss or damage to the company's assets;
• acts as an excellent motivating tool for the team and attracting especially valuable specialists;
• the organization gets the opportunity to regulate financial flows and expand its own investment opportunities;
• the company increases its prestige among competitors;
• subordinates become socially protected, which affects their productivity for the better.

The only drawback is the financial costs of the enterprise, which pay off with significant benefits.

How to apply for a company policy

The employee insurance service is provided by IC Sberbank Life Insurance. To connect the service, you need to take several steps:

• study the insurance rules on the website, as well as the documentation necessary for registration;
• inform the bank about your decision to buy a policy;
• get acquainted with the programs and choose the one that suits the requirements of the client;
• find out information about employees included in a special category of the insurer;
• transfer to the bank a list of personnel for which the policy is issued;
• determine the amount allocated for insurance;
• pay for the service;
• sign documents and receive an insured card;
• organize the signing of documents by subordinates.

Insurance events and programs

Corporate insurance for employees, provided by Sberbank, allows the business owner to provide decent compensation to subordinates who have suffered from various insured events.

For a corporate policy, the most likely are the following: insured events:

• disability of the employee as a result of an accident at work;
• temporary incapacity for work or disability received by an employee as a result of an accident or illness;
• death resulting from an accident or illness;
• death as a result of an air or railway accident.

The choice of the program depends on the assessment of the production area of ​​the business, as well as on the amount of the insurance amount and the number of employees. Sberbank offers 3 life insurance programs for corporate clients. Their difference lies in the number and variations of the considered risks, which determines the cost of the insurance policy.

The most voluminous program No. 1, which includes 4 insured events:

• death of an employee as a result of illness or accident;
• death of the insured as a result of an air or railway accident;
• disability of I-II groups, received after illness or accident;
• temporary loss of incapacity for work that occurred on the 32nd day after the illness or accident.

• death resulting from illness or accident;
• death resulting from an air or railway accident;
• disability of I-II groups received as a result of an accident.

• death at work from an accident;
• disability of I-II groups, received at work from an accident.

The employer can offer another insurance option, which is always approved by employees. This is the registration of VMI (voluntary medical insurance). Thanks to this offer, included in the social package, the employer has a chance to attract the most profitable employees to work with him. The presence of VMI is a serious tool for motivating employees.

Conclusion

Employee insurance at Sberbank is a unique chance for the management of enterprises or individual entrepreneurs to take care of the health of their staff. This service is mutually beneficial for both parties. Employees receive a guarantee of protecting their lives and health, and the company minimizes its costs and receives a priority position in the Russian labor market.

Medical insurance in Russia differs from foreign analogues. Every Russian, regardless of age, income, state of health, has a compulsory insurance policy (CHI), which means that he can receive medical assistance anywhere in the country. Why then do we need VHI and what does it include?

According to the Constitution, every citizen of the Russian Federation has the right to free medical care and medical assistance. With only one caveat - the list of medical services for CHI is rather limited. Need to expand your list of services? Get them faster? Pay less for emergency examinations or get a free consultation without a queue? Voluntary medical insurance service (VHI) is designed just for this purpose.

What is included in the standard VHI?

There is a standard VHI policy and a policy with additional insurance programs. The standard policy usually includes:

• outpatient care;
• basic dentistry (X-ray, filling, canal treatment);
• basic examinations and procedures;
• hospitalization;
• providing medicines throughout its length;
• Ambulance;
• doctor's house call.

Additionally, by paying an increased insurance premium, the insured person can expand the list of voluntary health insurance services. It could be:

• management of pregnancy and childbirth (including services of ultrasound, gynecologist, etc.);
• protection and treatment from a tick bite;
• medical care abroad;
• advanced dentistry, such as prosthetics;
• services of a personal doctor;
• spa treatment and much more.

What are the services offered and why can't they be obtained through compulsory health insurance? Outpatient care involves attaching the insured to one of the clinics with which the insurance company works. The client can receive consultations and treatment from specialized specialists without waiting in line, as well as rely on basic diagnostic tests and physiotherapy. More expensive studies, such as MRI and CT, are not provided under the standard VHI policy.

Each insurance company independently decides how full the list of services included in the standard VHI policy will be. The table below provides examples of VHI programs. offered by the leaders of the insurance market.

What is included in the extended VHI?

The following programs may also be included as additional services that expand the scope of insurance coverage of a standard VHI policy:

• Pregnancy management is a separate policy with an impressive list of procedures, examinations and activities, which the insured person (pregnant woman) forms independently, depending on their financial capabilities and desires. This is one of the most expensive additional VHI programs;
• Treatment and protection against a tick bite is especially necessary in the spring-summer-autumn period, when cases of infection with encephalitis and borreliosis (aka Lyme disease) are common. When issuing such a policy, the insurance organization guarantees a diagnostic examination of the patient and the tick, inpatient care, resuscitation according to indications, drug treatment, prevention and physiotherapy;
• A VHI policy for tourists will help you not to be left without medical support on short-term trips abroad. In fact, this is VMI under the standard health insurance program, only abroad;
• Extended dentistry - will allow you to include prosthetics and surgical intervention in the policy;
• Personal doctor - for those wishing to be consulted and treated by the same specialist who knows well the peculiarities of the health of the insured person;
• Sanatorium-resort treatment - will provide an opportunity to receive rehabilitation and recovery services in sanatorium-resort institutions that have concluded an agreement with the selected insurance company.

Any type of health insurance has its drawbacks. In the case of VHI, the insured may be denied medical care under the policy if he suffers from: cancer, mental disorders, diabetes, tuberculosis, kidney and liver failure, hepatitis of any type, venereal and occupational diseases. The client will also be denied insurance coverage if their illness or injury is found to be illegal or malicious, suicidal, or the consequences of alcohol, drug or toxic intoxication.

PJSC Sberbank made an additional purchase of insurance services for voluntary medical insurance in the interests of bank employees for the period from January 1, 2020 to June 30, 2020, implemented by prolonging existing contracts with Alliance, AlfaStrakhovanie, " VSK, Ingosstrakh, MAKS, RESO-Garantiya, SOGAZ, previously selected during an open tender as providers of these services,” Sberbank told Interfax-AFI.

Sberbank of Russia has extended contracts for the provision of voluntary medical insurance (VHI) services for bank employees with the insurance companies Alliance, AlfaStrakhovanie, VSK, Ingosstrakh, MAKS, RESO-Garantiya, SOGAZ, follows from message published on the public procurement website.

VHI for employees - advantages and disadvantages

It is this insurance policy that includes everything necessary to prevent and maintain the health of an employee. Quite often, companies offering such insurance make considerable discounts for enterprises that purchase a wholesale amount for the entire staff. So, voluntary medical insurance costs are much lower than retail.

1. You should not "buy" for too much cheapness, most likely, either a short term of insurance, or a small list of medical services.
2. When signing the contract, you need to carefully read the proposed text, paying attention to the presence of hidden fees and additional payments.
3. An important issue to be discussed is the return of the unused sum insured upon dismissal of an employee.

Personal account Sogaz

JSC Sogaz is a federal-level insurance company with a regional network of more than 600 points, which is part of the Sogaz group, has earned a high reliability rating among rating agencies. The company offers about 100 types of travel, health, life, real estate, auto and other property insurance programs.

Access to the service is implemented through the official Sogaz website. In the top menu of the site there is a button with a key icon - a link to a single Sogaz personal account for corporate and private clients, which can be accessed by specifying the correct email + password combination. When you click on the button, a previously hidden panel with a quick authorization form is pulled out. From it, you can also go to the registration and password recovery pages.

DMS from sogaz

Full information about insured events and the amount of payments, as well as the procedure and terms for making insurance payments is contained in the Memo What to do in the event of an insured event? - to the nearest office of JSC "SOGAZ", the exact addresses and telephone numbers are indicated in the "Contact Information" section; - remotely send scans/copies of documents through the "Personal Account" located at: https://lk.sogaz.ru/cabinet/ (after confirmation by the responsible employee of SOGAZ JSC that the scanned documents have been received - send the original documents to SOGAZ JSC ); What documents do I need to provide for insurance payment? When applying for an insurance payment, the following is always provided: a written application for insurance payment in the prescribed form indicating the date, place and reliable circumstances under which the event indicated in it occurred; a copy of the identity document of the Insured person/legal representative/beneficiary (passport copy); a copy of the work book certified by Sberbank (signature of an official and seal) or, if the contract is fixed-term, a copy of the labor agreement (contract).

We are so used to the negative - please, but we do not have enough time to praise. On September 19, 2020, an insured event occurred under CASCO, not mine Answers: Representative 0 / Lawyers 0 Insurance of apartments and houses Kirov region. Natalia did not like the appointment system Hello!

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Zdorovie com personal account Sberbank VMI

1. associated with the transportation of a patient to a doctor or hospital for primary care in an emergency or accident;
2. providing SSP emergency care on the spot;
3. the cost of used medicines and dressings.

• individual approach for each group of clients;
• taking into account all the wishes of the insured person;
• provision of a full range of medical services;
• the opportunity to be treated by the best doctors and first-class clinics;
• 24/7 telephone support;
• the ability to make changes to the terms of the insurance contract;
• speed of issuance of policies;
• a wide range of programs and a wide network of regional offices of the company;
• own network of medical clinics;
• a large number of insured clients;
• centralized medical expertise;
• good conditions for public sector insurance.

SOGAZ - personal account

AlfaStrakhovanie will provide insurance protection under voluntary medical insurance programs and against accidents and illnesses for employees of the largest bank in the country - Sberbank. Under the protection of the insurer, employees of branches in the Southern, North Caucasian and Central federal districts.

AlfaStrakhovanie became the winner of the Center and South lot of the Sberbank tender, under the protection of the company, employees working in the Volga-Vyatka, Volga, Northern, Central Russian and Central Chernozemny territorial banks. In total, the company insured 124,000 people. The premium under the contract exceeded 2 billion rubles, the contract was concluded for a period of 2 years and will be valid until June 30, 2018.

The VHI insurance program provides outpatient, outpatient, planned and emergency inpatient care. The accident and health insurance program includes coverage for the risk of death, obtaining and determining disability, detecting a serious illness, performing complex surgery, harm to health as a result of UA, and inpatient treatment as a result of UA.

In 2014-2016 AlfaStrakhovanie provided protection to Sberbank employees in 59 constituent entities of the country under an accident and illness insurance contract. Under a voluntary medical insurance agreement, AlfaStrakhovanie served more than 60,000 Sberbank employees in the Northern, Volga-Vyatka, and Central Chernozemny divisions of the bank.

AlfaStrakhovanie made every effort to once again offer the best conditions for winning the tender for Sberbank, the largest financial institution in the country,- Andrey Ryzhakov, Deputy General Director of AlfaStrakhovanie OJSC, comments. - We highly appreciate the results of the tender, in which AlfaStrakhovanie received the highest possible quality scores for two lots, which is another indicator of the level of customer service that we consider to be our top priorities, including for corporate client health insurance programs.”

AlfaStrakhovanie Group

It unites AlfaStrakhovanie JSC, AlfaStrakhovanie-Life LLC, AlfaStrakhovanie-OMS LLC, Medicine AlfaStrakhovanie LLC. The Group's equity capital is RUB 14.3 billion. The AlfaStrakhovanie Group is part of the financial and industrial consortium Alfa Group (Alfa Bank, Alfa Capital, A1, Rosvodokanal, X5 RetailGroupN.V.). Under the license, the Group offers more than 100 insurance products, including life and accident insurance products. More than 270 regional representative offices carry out insurance activities in Russia. The Group's services are used by more than 24.8 million customers throughout Russia. AlfaStrakhovanie Group has a Fitch financial strength rating of 'BB' on an international scale and the highest reliability rating ruAA+ from the Expert RA rating agency.