DMS strong health. Good health

20.04.2021 | Health

DMS. - These are voluntary health insurance, which guarantees the patient to provide paid medical services and has ample opportunities. However, it is worth remembering that there are limitations that need to be taken into account when making an insurance policy.

Consider the most common delusions of the potential owners of the PMS policy.

Misception number 1. In the presence of the PMS policy, you can count on medical care in any medical institution.

Often, the insurers believe that by purchasing the PMC policy, they automatically become customers of all paid clinics. This is not true.

Each insurer has agreements with a certain set of medical institutions, in which customers of the insurance company will be served.

The list of medical services and the clinic where you can get medical services, discusses in advance when concluding a DMS contract. As a rule, insurance companies offer 3 insurance options - from the minimum to the maximum set of medical institutions. Naturally, the larger the clinic can offer you their services, the more expensive insurance policy.

Discussion number 2. You have to surpass and you decide to arrange the PMS policy, believing that he will cover all medical expenses.

This error is one of the most common. Often, the insurers believe that by purchasing the PMC policy in advance of the planned operation in advance, they can expect the insurance company to cover all the costs associated with the operation of the operation, as well as rehabilitation costs.

In this situation, it is worth remembering the essence of insurance, which provides for the coverage of unforeseen expenses of the insured when an insured event occurs. At the same time, the insured event has signs:

probability. Insurance event may come or not to step;

accident. The offensive of the insurance event, although it may be foreseen, but cannot be accurately established in advance.

Thus, the planned operation cannot be recognized as an insured event, since it will certainly come, and this is known in advance.

Suppose that the insured when filling in the insurance questionnaire will default about the planned operation and issue a PMS policy. In this case, the insurance company, when considering the application for payment, most likely finds out that the operation was planned in advance, and not required unexpectedly and urgently, and will not confirm the payment.

Discussion number 3. Dental services are always included in the PMC policy.

This is not true! Dentistry is an additional option and is not included in the basic insurance coverage. A number of insurance companies offer separate policies "DMS Stomatology", which cover the cost of dental treatment.

Confusion number 4. You can buy a PMD policy immediately before going to the doctor.

It is impossible! The process of registration of the DMS policy is not complicated, but requires compliance with a certain procedure, including filling in the questionnaire, where the indicated all data regarding the health of the insured will be.

In addition, there is a so-called temporary franchise, which assumes that the policy will begin to act 10-15 days after its design.

Conception number 5. Everyone can insure.

In principle, this is true. However, there are restrictions on age that entail an increase in the cost of insurance. So the PMC policy for children up to the year and older people over 75 will cost more.

In addition, unfortunately, in insurance may refuse or significantly increase the cost of the policy for people suffering from serious diseases, such as oncology.

In any case, even taking into account all the nuances, the examination and treatment in paid clinics will bring you much greater pleasure than servicing in district clinics.

We wish you health and always pleasant medical services!

Uralsib JSC was established in 1993. The company offers a large selection of insurance products, including DMS insurance programs. The PMD policy allows you to get a complex of expensive medical services in modern clinics.

The advantages of registration of DMS in Uralsib

At the end of 2015, the company took the 15th place among Russian insurance organizations in the DMS Insurance segment, collected 1,636,864 thousand rubles. Premiums and paying 1,164,986 thousand rubles. For insured events.

The authorized capital of URALSIB JSC is 3.34 billion rubles, and the reliability rating is appreciated by the Expert RA Agency as very high (A +) with a stable forecast. Insurance obligations of the company in terms of insurance payments are guaranteed by world reinsurance organizations, including: Swiss Re, Partner Re, Munich Re, Scor, Everest Re Limited, XL Europe PLC, Lloyd's.

Types of DMS Insurance Programs

URALSIB offers a wide range of DMS software insurance distinguishes with a complex of incorporated insurance services and the amount of insurance coverage.

"Express diagnostics"

The program includes services to identify diseases at an early stage:

survey of respiratory and cardiovascular systems;
diagnosis of diseases of the liver, lung, thyroid gland;
diagnosis of cancer for women and men aged 40 to 80 years.

"Complex treatment"

This program provides a set of measures to provide the necessary medical care:

polyclinic service;
urgent Care;
emergency hospitalization;
dental services.

"For future mothers"

The program includes women's escort services during pregnancy and childbirth. The program is formed individually, taking into account the request of the future mother.

"DMS for children"

The program guarantees the provision of the necessary assistance and medical support of children during treatment:

patronage at home newborn children;
carrying out planned vaccination;
techniques of doctors;
conducting therapeutic and physiotherapy procedures.

The cost of the PMS policy

The cost of the PMC policy from Uralsib depends on the selected customer health insurance package. The table below presents some DMS programs offered by the company as of 2017 (limit on all programs is 5 million rubles)

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In Russia, the Institute of Mandatory Medical Insurance was created, according to which every citizen has the right to receive qualified help of health workers. However, this policy has a fairly narrow scope of application. In this regard, many additionally draw up a voluntary health insurance policy, the presence of which provides access to higher quality of services, and at the first appeal. The presence of an open policy in URALSIB DMS allows you to provide a really effective medical care.

URALSIB DMS - Benefits

Currently, high-quality medical services in modern equipped centers with qualified specialists are quite expensive. For those who follow their health and regular surveys are underway, and even more so if there is any disease, the design of the insurance policy allows you to save on treatment without losing the quality of the services provided. Strengthening competition in this segment of the services led to the fact that the cost of a full range of services is quite acceptable. As for the URALSIB DMS offered by the company, it is beneficial from competitors with a wide selection of possible insurance programs, some of which can be called unique.

Thus, the following benefits of cooperation with this insurance company on issues can be distinguished:

providing the possibility of self-selection of a service package, which is more suitable for the needs and desires of the Client;
the presence of the right to reduce the limit of insurance payments on the initiative of the Client (with a reduction in the range of services provided);
service both at home and at any other address that was specified when calling (for example, if the well-being deteriorated sharply at work or visiting);
the inclusion of additional individual services, such as legal support and dentistry;
development of individual programs for children (valid from birth and up to 17 years) on favorable terms;
· The lack of a ban on changing the package of services provided by that moment until its validity period (subject to compliance with the regulated insurance rules);
regular proposals of new programs;
the ability to contact the Advisory Dispatch Service for Medical Support Customers, which works around the clock and allows you to ask the question of the question of a highly professional specialist.

It has been conducting its activities for more than twenty years, which is another confirmation of its reliability and professionalism. For such a long period of time, the base of medical institutions with which fruitful cooperation is carried out. Rich experience allows you to solve customer issues in a short time. Anyone who wants to arrange the insurance policy, for this it is enough to contact any office or a branch of the company.

Programs offered by URALSIB

The activities of the insurance company are carried out in accordance with the established rules that are prescribed in the contract concluded in clients and partners. The main objects are as follows:

the requirement to comply with the obligations of all parties;
distribution of the policy only on the services included in the program;
the term of the policy is one year;
providing the ability to add or modify the included types of medical services.

In addition to the typical set of insurance conditions, there is an opportunity to obtain non-standard conditions that can be called flexible and make the conditions for receiving insurance more profitable. This applies to those cases when, for example, the team is insured or installments require payment.

The URALSIB programs are proposed as follows:

for adults;
for kids;
"Good health";
"Anticlek".

For each of these programs, there are a number of basic types of service, which include contacting the clinic, clinical and outpatient care, a doctor call to the house, emergency challenge, dental services, emergency assistance, stationary services and others. A number of additional services are also offered, which can also be used by corporate clients. These include a family or office doctor, the ability to be observed during the baby tooling and others.

Thus, it can be concluded that URALSIB insurance company DMS makes accessible to the population. The organization is aimed at continuous development, constantly developing new programs for its customers.

Each of us dreams of the most high-quality medical services that would be provided to him at the first appeal to doctors.

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However, in modern conditions for the ambiguity of the reputation of health care institutions or individual specialists in the field of medicine, there is a great risk to get into the hands of a low-fledged or unscrupulous doctor, a nurse or another of someone from the attending personnel.

It is this factor most often and forces people to go to a decisive step to insure at the time of service in any clinic or hospital.

Benefits

In addition to fear for his health, when it is necessary to undergo a course of surveys or treatment, there is also a desire to save. After all, it's no secret that today medical services are not so cheap.

For most people who are in no way interested in the insurance of their stay in a clinic or treatment in the hospital, is still a myth that even in the most difficult modern conditions, you can buy a complete set of medical services for an acceptable price.

And such an opportunity is subject to voluntary medical insurance (DMS) in Uralsib. The proposed insurance programs for this type are always ready to offer unique opportunities for customers.

In this regard, it will be reasonable to submit a number of advantages that are available in such a large company as Uralsib:

the choice of the package that is most optimal for the client;
limit the limit of insurance payments and, accordingly, the range of services as needed to the client;
be able to be serviced at home or with a challenge to any address (for example, if a person has become suddenly bad at work);
the inclusion of individual dentistry and legal support services;
there are very good programs for insurance of children from infancy and up to 17 years;
there is a possibility of changing the service package during the period of the insurance contract, but subject to insurance rules operating in such cases in this company;
existence and active application of new programs such as "anticlek";
there is a 24-hour advisory medical support for all its customers through a specialized dispatching service, which provides insured persons with consultations from highly professional professionals;
all doors of the departments and offices of Uralsib are open, where anyone can arrange the PMD policy.

Uralsib has been providing voluntary insurance services for more than 20 years, which are distinguished by the high quality and professionalism of the employees of this insuring enterprise.

Such a rich experience allows the insurer to immediately respond in the event of controversial issues to settle them as quickly and efficiently.

In addition, long-term practice suggests that URALSIB has long been stability and confidence in cooperation with a number of professional medical institutions. Therefore, the reliability and decency of this insurer clients can not worry.

Conditions

As in any other insurance company, Uralsib also has its own rules for which contracts with customers and partners are being concluded.

You can allocate the most basic conditions of insurance when buying a DMS in Uralsib:

implementation of the obligations of the parties. The insured (owner of the PMC Polis "Uralsib") undertakes to pay for all insurance premiums due and fulfill all the terms of the insurance contract;

The insurer (URALSIB) undertakes at the time of the insurance risk, adopt a statement from the Insured, consider the case, to conduct an examination for identifying the presence or absence of violations by the insured, and then to fulfill all obligations to provide an adequate amount of medical services.

use of medical services exclusively provided by policies;
policy is issued for 1 year;
types of medical services can be added or modified, but this is done solely on the basis of the insurance company insurance rules.

In addition to this typical set of insurance rules, you can still allocate non-standard conditions that can be called flexible:

if the team is insured by the number of more than 11 people, then the age coefficients in the calculation of insurance are not applied;
insurance premiums are not necessarily paid, one can also be issued by installments (with quarterly or two-year-old chart), which in no way provokes an increase in the value of the entire policy as a whole;
family members insurance can be made in the office of your employer, but according to corporate tariffs.

The insured when fulfilling its obligations should remember that any intentional causing damage to his own health in order to obtain some of their benefits in the policy is a violation of the conditions of insurance contract, and it means that the result of such an act will not be recognized as an insured event and the policy will not be able to use .

In addition, during the treatment, prevention or passing of post-guest rehabilitation procedures, the owner of the PMC policy is obliged to fulfill all the prescriptions of the doctor and contribute to his recovery.

DMS programs in Uralsib

The most basic programs that are ready to offer Uralsib on DMS - these are:

For adults.
For kids.
"Anticlek".
"Good health".

All these programs include the implementation of the main types of service:

clinical and outpatient and polyclinic assistance;
help doctors at home;
ambulance services, including the call to the address;
stationary service in the process of planned or emergency treatment;
dentist services;
legal support.

However, there is also an additional range of services that can take advantage of, including corporate clients:

office doctor;
personal or family doctor;
observation during pregnancy and objects;
children's insurance programs;
providing a research base for a specialized study.

In addition, it is worth paying separate attention to a unique approach to the development of its activities in the company.

Uralsib is ready to please the following non-standard service suggestions:

Umbrella insurance	Such a spectrum of medical services may most often be needed by enterprises, organizations or companies with a widely developed network by region, where, for example, it may be necessary to provide medical assistance to employees in several cities in several cities
DMS for foreigners	Citizens from other countries temporarily located on the territory of the Russian Federation and officially registered in the relevant bodies may well acquire the Insurance Flas in Uralsib for high-quality medical services in Russia
Versatile client base	The company can issue an insurance policy on his relative, and not only on himself, an employee and even for whole labor collectives, where the staff consists of more than 50 people, according to corporate rates

Cost of the Polis

The cost of the PMS policy can often vary and depend on a number of factors, such as, for example:

age;
the number of the collective (for enterprises who are insuring their employees);
territorial location of the medical institution;
characteristics and level of qualification of a medical institution;
types of certain medical services that may be included in the insurance program;
the volume of the desired spectrum of medical services.

Table of voluntary health insurance:

Name of the DMS program in Uralsib	Features of the Polis	Duration of insurance	The cost of the insurance policy of the DMS in Uralsib, rub.
For adults	serving outpatient; the provision of medical care at home along with the assistance of outpatient; Ambulatory service with an enabled supplement - dentistry services; Three in one - the service of an outpatient institution, at the dentist and at home.	1 year	from 10400.
For kids	help in the clinic and ambulance; rendering medical care at home; Service inside the network of such clinics, like: "Niarmedik Plus" and "Network of Family Medical Centers".	1 year	from 36300.
"Antiques"	prevention from tick bites; Medical care when tick bite.	2-4 months (the season is determined by the regional features of the aggressiveness of the tick)	For adults - from 250 rubles. (from 16 people. The collective) for children - from 200 rubles.

Insupping on any of the DMS programs in Uralsib, the client will be able to get highly professional and high-quality service in a particular clinic or hospital.

Will be able to use the services of a dentist, rehabilitation offices or to use any prophylactic procedures. The most important thing is to choose the optimal program for you and take into account the validity of the policy, when applied.

Video: Voluntary Medical Insurance

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