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Questions regarding voluntary health insurance (VHI)

Questions regarding voluntary health insurance (VHI)
Questions regarding voluntary health insurance (VHI)

Is it necessary to undergo a medical examination prior to entering into an insurance agreement?

The agreement is entered into without a preliminary diagnostic and prophylactic examination of the insured.

What should I do if I lost my medical plastic card?

In case of loss / destruction of the medical plastic card, the Insurer must be notified of this in any manner immediately, but no later than 1 working day and within 5 working days from the date of loss / destruction, provide the Insurer with an explanatory Insured (indicating the date and circumstances of the loss / destruction), and also, if possible, the remains of the card. To receive a new card instead of lost / destroyed it is necessary to reimburse the insurer for the cost of its manufacturing, by transferring it to a bank account or depositing its value in the Insurer's cash desk.

How can I call an ambulance or family doctor at home?

Calling a family doctor at home or ambulance on the VHI policy is carried out through a 24-hour dispatching service of medical assistance. Telephone numbers of the 24-hour dispatching service are indicated on the medical plastic card.

What should I do if my employee leaves?

If the insured employee is dismissed or the insured is excluded from the list of insured persons, it is necessary for the insured to withdraw from him medical plastic cards issued to him and his family members no later than the date of dismissal, and transfer them to the insurer immediately, but no later than 5 working days from the date of the employee's dismissal .

In the event of the non-return of a medical plastic card of an insured person excluded from the list, the insurance premium for this insured person is not returned.

 If the insured, who is excluded from the list of insured persons, did not use the medical services provided by doctors and / or medical institutions from the list of the insurer, the insurance amount for the insured does not change.

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