Our employees have a unique experience in VHI and practice it for more than 10 years. We placed this insurance for largest commercial and federal government companies.
We have ready-made insurance programs and we can provide voluntary medical insurance for all groups starting from 10 persons.
An important advantage when you contact us for a contract to organize the VHI - is that the insurance program is always made in line up according to customer wishes.
When working with us on the VHI, it is the customer that chooses what clinics will use his staff, what additional services and for what staff member should it be included in the contract; whether they need dental care, hospitalization and so on.
Typically most clients prefer to include only emergency medical assistance in the contract and outpatient care. Not all clients use dental surgery. Hospitalization is even less popular.
It is common for large companies (with hundreds of employees) to separate to separate insured into 2-3 categories (in accordance with official level) with different composition, services and prices per insured.
The basis of the tariff is a basic service charge in hospitals. This basic fee is calculated separately for each program. To this rate, applied extra charges for age and sex categories of insured (old people and children are treated with more care, and they will be more expensive, and women use medical services more often than men).
Total insurance premium under the VHI contract is obtained by multiplying the number of insured on basic service charge in hospitals in each of the programs.
Contact us and see it in practice!
Horizon is a professional insurance intermediary, executing insurers / reinsurers orders on the selection of the best options of insurance / reinsurance coverage. We have an extensive practice of insurance for state, municipal and commercial structures of Russia, Europe, Asia, South and North America.
Thanks to our experience, we have a vast knowledge in all sphere of insurance that is why we can offer special insurance contracts for any business type.
Our team has a unique long-term experience in reinsurance. Our employees have contacts with reinsurers from virtually anywhere in the planet. We are ready to take on the most complex and sensitive issues: whether you are the Reinsured / the Insurer or the Сlient / Policyholder requiring placement of great risk insurance amounts or atypical terms of insurance.