Mandatory medical insurance AK BARS Honey. Insurance from the company "AK BARS". Policy "Health Complex" will provide

Company AK BARS Insurance has been working in the provision of insurance services for almost 10 years. A large network of branches is developed not only in the Republic of Tatarstan, but also beyond. The main priority in the work is personal insurance. individuals.

This is due to the fact that AK Bars enters the insurance group, where the main partners are companies whose activities are associated with medicine. In the assets of partners there are their outpatient and stationary medical departments.

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Thanks to such close cooperation, a 24-hour customer interest service has been operating, contributing to resolving conflicts and controversial issues that may arise when insurance case.

In AK Bars, there is a lot of insurance programs. Insurance of such risks as:

1. Property insurance.
2. Civil liability risks.
3. Ground, water and air transport.
4. Insurance of goods.
5. Insurance of entrepreneurial and financial risks.

Official website of the insurance company AK BARS.

Key types of insurance AK BARS

Despite the fact that Ak Bars specializes more on personal insurance, the company works with other policies.

The main priorities are:

Health insurance

Includes insurance against accidents and health insurance.

Insurance against accidents applies to such damage such as:

• burns;
• injury limbs;
• injury of internal organs;
• bruise and concussion of the brain;

The Policy "Complex Health" will provide:

1. Consultation of qualified, proven specialists.
2. Diagnostics and examination on the most modern equipment.
3. Free laboratory research.
4. Stationary stay in the best clinics.

Insurance cases in this form of the contract are:

• injuries obtained as a result of an accident;
• man suffered from an accident;
• insect bites;
• mouse fever;

Advantages of insurance medical policies:

1. Give confidence in the case of unforeseen circumstances, causing a threat to life and health.
2. Provide timely material assistance.
3. Provides qualified medical care.
4. Operational access to insurance payment by submitting an application for an insured event online.

Property insurance

Provides for the design of the "Apartment and" House "policies.

"Apartment" includes:

1. Interior decoration.
2. Furniture and equipment.
3. Responsibility to neighbors.

Cases when the occurrence of insurance payments occur:

• cases of force majeure;
• fire;
• unlawful actions of 3 persons (theft, hacking);
• accidents of internal communications;
• flooding with neighboring tenants;

Advantages of the execution of the "Apartment" policy:

1. Operational material support for the onset of insurance assistance. Payment in cash within 5 days.
2. In the event that it is an apartment, the withdrawal from the short-circuit neighbors.
3. The resolution of the conflict situation, if, as a result of the communication accident, you are harmful to other residents.
4. The possibility of making insurance without inspection will save time.

The Insurance Policy "House" will ensure insure from such cases as:

• disaster;
• explosion, fire;
• damaging by third-party persons;
• falling large items and trees;
• short circuit in the power grid;

Registration of insurance country house Provides:

• house insurance;
• household buildings and saunas (baths);
• property in the house;

Tourist insurance

Registration of a document for traveling abroad in AK BARS is carried out in 2 minutes and you can get it through email.

Insurance "Voyage" includes:

• emergency medical care;
• consultation of doctors;
• treatment in the clinic;

Insurance policy will help you insure not only the disease and injury, but also compensate for the risk of impossibility to travel and theft of baggage.

Tourism insurance is not only a prerequisite for making a visa, Schengen, including. Leaving abroad you are insured from unpleasant surprisesIf medical assistance is required. Abroad, medicine is somewhat different from our, health care workers are very expensive and you can cost you a whole condition.

Comparatively inexpensive insurance will relieve you from unnecessary trouble and experiences. The company compensates not only consulting doctors, but also necessary medicines. If necessary, the policy provides the possibility of hospitalization.

The cost of insurance policies

Its price depends on each type of insurance.

In what limits of the price category can be purchased policies. Consider detail:

Personal insurance

1. Insurance Policyb provides for a range of amounts to which the client wants or will be ready, based on its budget, insure his health and life. Schedule scale: 100 thousand rubles, 200 thousand. rub., 300 thousand. rub., 400 thousand rubles, 500 thousand rubles. The cost of the policy is 1% of the sum insured. Those. If you want to insure yourself for 100 thousand rubles., I will have to pay 1000 rubles. And then respectively. Payment is made within 5 days from the date of submission of an application on the occurrence of an insured event.
2. Complex "Health" is 1.5% of the sum insured, from 50 thousand rubles. up to 200 thousand rubles. Minimum insurance is 750 rubles.

Property insurance

"Apartment" is drawn up on 3 sections, it is possible to design a partial insurance policy:

1. Repair and equipment are insured from 100 thousand to 500 thousand rubles.
2. Furniture, also from 100 to 500 thousand rubles.
3. Flooding of neighbors from 50 to 150 thousand rubles.

Thus, if you insure at once in 3 positions, the minimum insurance amount There will be 250 thousand rubles., and the maximum reaches 1 million.10 thousand rubles. The cost of the policy for each of the sections 0.6%, 0.4% and 0.4%, respectively.

You can vary sums. For example, leave minimum amount On furniture and repair, but increase the amount of risk of flooding neighbors or any other combinations.

The "house" depends on the availability of additional buildings, and the Commission varies from different positions from 0.36% to 0.8%.

Insurance amount can be from 200 thousand rubles. up to 1 million 150 thousand rubles.

Cost insurance Polisa. "Voyage" from 26 rub. Insurance price depends on total amount insurance, may vary from 35 to 100 thousand rubles.

The pricing components of the cost of the policy also have:

• the country in which the exit or a number of states planned to visit are carried out;
• stay abroad;
• the age of the insured;

How to arrange?

Registration of insurance Ak Bars is easy and simple. This is the most accessible, comfortable and operational insurance system.

There are 3 main ways to cooperate with the insurance company:

Quality of service

Assess the quality of the provision of insurance services can our regular customers.

(information posted 05/30/17 9:00)

Voluntary medical insurance (DMS) - personal care for your staff.

What is it?

Qualitative addition to compulsory health insurance is voluntary health insurance (DMS), allowing to fully or partially compensate for paid medical care.

Voluntary Medical Insurance (DMS) - this is a simple, affordable, and thanks to tax benefits, and economically beneficial to the enterprise a way of providing employees with high-quality medical care, over the program of state guarantees.

This is a form of health insurance organization that provides citizens with the possibility of full or partial compensation for medical care expenditures, in addition to the system public health or compulsory health insurance.

Voluntary medical insurance - this is a wide choice medical insurance programsproviding an integrated approach to health care and individual solutions for each client.

The Voluntary Health Insurance Program is a list of medical services under the insurance contract that will be paid by the insurer, indicating the overall sum insured and / or individual insurance amounts for each type of assistance, as well as medical institutions where the insured can get help.

For corporate clients SC "AK BARS-Honey" It offers medical insurance programs for employees who provide all kinds of medical care - outpatient polyclinic, stationary, dental, rehabilitation, rehabilitation, ambulance and emergency assistance.

Why do you need it?

You control the organization's expenses for medical services and can attribute the cost of voluntary health insurance for the cost.

You achieve growth economic efficiency With a decrease in morbidity and labor.

The amount of insurance payments are not accrued insurance contributions (unified social tax).

The concern of the company about their employees is one of the high levels of its corporate culture.

Question:

What advantages receive an employer when providing DMS to his employees? How to justify such a need

Answer

Voluntary medical insurance is not so much benefits as a mechanism for managing personnel, it is an opportunity to control the level of morbidity in the enterprise, incl. And in the context of individual workers.

The concern of the organization about its employees is one of the indicators of the high level of its corporate culture, which is the main factor in the formation of an organization's image, both in the eyes of its business partners and the general public.

To attract and retain qualified specialists, in addition to competitive salary, it is often necessary to offer an attractive social package to employees. The DMSA is the first thing that falls into the social package.

Voluntary medical insurance (DMS) is an important argument to reduce the flow of personnel, increasing the loyalty of the team and ensure greater labor productivity by reducing the days of disability of employees.

Any employer will undoubtedly care about how to create an optimal social package and not overpay for it. At the same time, even if free medical care is chosen as a single social argument (whether DMS, or the purchase of an annual subscription for service in the clinic), the issue of savings still retains its relevance. So choose - insurance policy or buy a subscription for service in any clinic?

Today, many medical and preventive institutions (LPU) offer service subscriptions, the cost of which, as a rule, is lower than the cost of the DMS policies by an average of 15-20%.

However, DMS has several advantages:

First, if you compare the quality of service, then insurance also provides it to more high level. Often the LPU, receiving funds for the service, begins to "save" on its clients and limits them into preventive and diagnostic procedures, etc. At the same time, it does not risk anything, because it does not bear any responsibility for the emergence of a disease in a patient.

Secondly, "Attaching" to a specific clinic, the patient no longer has the ability to choose the LPU, whereas when an occurrence of any complex disease, the insurer can send its client to a highly specialized clinic, where there is an appropriate experience of treating this disease.

Thirdly, if you need a doctor's help on weekend (and in all LPU, as a rule, one day per week weekends), then you have to wait for the working day, while the insurer can send your client to another medical unit that works in a given day, With which the company has a service agreement concluded.

Also important argument for the employer in favor of the acquisition polis DMS. It is the fact that the insurer provides the treatment of its customers in various medical institutions that can be located near the house, the work of each insured. It is very convenient for employees - after all, "attaching" the whole team into one clinic, the employer thereby encourages those "losers" who live in the opposite end of the city, to get with great difficulties before the LPU, which again does not affect the best way to health, Not a positive attitude towards such a social bonus.

By concluding an agreement with the insurance company, the organization provides employees modern level Health care for a relatively low price, while the quality of the assistance provided continuously observes the insurer, which guarantees its worthy level. Acceptable value is achieved due to the fact that insurance Company, having a treaty with various medical institutions has significant maintenance discounts and carries out control over the quality and volume of services rendered, avoiding unjustified, imposed services.

DMS is beneficial for enterprises!

in accordance with Art. 149 p.3 p / pp. 7 Part II Tax CodeRF the insurance premium is not subject to VAT;

in accordance with Art. 255 p.16 Part II of the Tax Code of the Russian Federation the insurance premium is included in the cost of up to 6% of the annual size of the wage fund of all employees;

in accordance with paragraph 1, p.p. 5, art. 9 FZ dated July 24, 2009, insurance premiums under DMS agreements concluded for a period of at least 1 year, are not subject to insurance premiums for compulsory pension insurance, Mandatory Medical Insurance and Mandatory social insurance;

in accordance with Article 213 of paragraph 5 of Part II of the Tax Code of the Russian Federation the insurance premium is not included in the cumulative annual income of the employee.

Specialists "AK BARS-Honey" are ready to develop an individual health insurance program that takes into account the specifics of your enterprise.

Benefits:

round-the-clock medical dispatch service in real time;

constant control of the volume and quality of services provided in medical centers, providing medical and service accompaniment;

reliable partnerships with medical institutions make it possible to solve issues of attachments and medical care in the shortest possible time;

the presence of suggestions for insurance of individuals, foreign citizens.

For more information, you can contact the DMS sales department managers by phone: 8/843/ 527-48-20; 524-96-96; 527-48-52

Scroll Medical organizationsproviding medical assistance insured under the program of the DMS "Policy of Labor Migrant Policy", in accordance with the rules of the DMS of foreign citizens and stateless persons in the Russian Federation in order to implement work activities as amended on July 12, 2016.

Insurance Group AK BARS includes three limited liability companies: AK BARS insurance, insurance AK Bars-honey, Ak Bars Medicine. Companies have branches throughout the Republic of Tatarstan, including some urban-type settlements. Insurance of AK BARS in the insurance services market for more than 10 years, has a well-deserved reputation and respect for customers.

Insurance in LLC Ak Bars

Ak Bars Bank is the only member of all LLC Ak Bars Group. The bank allows life insurance and working capacity of its borrowers, as well as their personal property, real estate only in their own insurance organizations.

AK BARS Bank offers profitable terms Registration of insurance in OOO AK BARS Insurance for its customers, if the borrower wants to fulfill this clause of a loan agreement.

LLC AK BARS Insurance provides all the options for personal and property insurance. You can arrange insurance on any movable and real estate. Policy applies to all kinds of damage to property. The amount of insurance payments may be from 250,000 rubles to 1,150,000 rubles, refunded within 5 days after registering the insured event.

Medical insurance can be issued two types: from accidents, complex for health (maintenance, diagnosis and treatment in case of illness).

Division of AK BARS Honey

LLC AK BARS-Honey is based on the most first of the group. In the company you can get policies to OMS and voluntary honey insurance, excluding life insurance. The insurance policy of LLC AK BARS does not make out.

It is possible to obtain honey policy for foreigners or citizens of Russia, traveling to rest abroad. Insurance has agreements with all state honey to institutions of the Republic of Tatarstan, guarantees high-quality and fast maintenance of its wards in any medical department within the entire republic.

Medical direction

The main area of \u200b\u200bAk Bars Medicine LLC is the implementation of honey activities: conducting a client examination, diagnosis and laboratory research. Get a consultation of the therapist or pediatrician can even be on the phone. The results of the study can be viewed on the website of Ak Bars Medicine.

Registration of the insured event

Insurance AK BARS has a single contact center client service. Hot line Available at any time of the day by phone number 8-800-500-03-03, there are absolutely free calls. According to reviews, specialists work quite quickly.

When an insured event occurs, the insured person must inform the company about the information that happened, and then collect documents necessary under the terms of insurance to pay compensation and present them to the office of the organization. If you need consultation or help of insurance specialists, insurance AK Barça can also be called by telephone hotline.

How to activate insurance card

Activate the map of the insurance group Ak Bars is very simple. On the main page of the official site there is a button to activate the map. The Ak Bars website presents 4 available types of cards.

In accordance with the type of available cards, click the Activate button under the desired picture. You will need to enter the card number specified directly on it and the PIN code that contains four digits on the turnover of plastic. After the introduction of these identifying data will be an active link to arrange the policy, while switching to read the conditions of the insurance program. The map is activated.

Directly arrange the policy in personal Cabinet On the site AK BARS. If it was not created before that, on the left of the phone number, the SMS message from the site containing the password will be sent, the login will serve this very number.