OREANDA-NEWS. March 29, 2010. Ingosstrakh has introduced four new packages within its voluntary medical insurance (VMI) program, specially developed for children. These insurance products provide for comprehensive health care for babies (newborn to one year), preschool children (from 1 to 6 years of age) and pupils (from 7 to 17 years of age). The clients can chose a range of services required specifically to their child.

Upon entering into VMI agreements on the children’s program, the clients can assign to several leading Moscow clinics previously available only for corporate customers, at the same time. Besides, a VMI policy may cover services provided by specialized dental and in-patient clinics, including planned medical care as well as services of a private physician, ambulance, provision of medicines etc. If the required medical services covered by VMI program are not available in the clinics servicing the client under Ingosstrakh policy, the insurer arranges for rendering of these services in other medical institution of Moscow.

Platinum is a product for affluent clients. Maximum coverage ensures comprehensive medical care performed in exclusive children’s medical institutions of Moscow. The policy covers outpatient services (home nursing of newborns, scheduled vaccination and measures aimed at early disease detection provided to babies under one year in clinics), planned and urgent inpatient treatment, home services of private physician within 30 km from MKAD (particularly health care delivered by medical specialists, vaccination, massage, fulfillment of medical prescriptions and collection of materials for medical analyses), ambulance services within 30 km from MKAD and reception of medicines in the pharmacies of Rigla chain. The insurance coverage for different programs within this product is as follows: Children’s clinic (classic)/ Ambulatory care within the Russian Federation is  2,000,000 rubles; Private physician – VIP pediatrician, Be Healthy – 2,000,000 rubles; Specialized dental services – 1,000,000 rubles; Planned and urgent inpatient treatment / Urgent inpatient treatment within the Russian Federation – 5,000,000 rubles; RIGLA pharmacy – 10,000 rubles.

Premium is a product developed to provide a whole range of medical services performed in the best medical institutions, including planned inpatient treatment in semilux wards and cubicles. The policy covers outpatient services, including home nursing of newborns, scheduled vaccination and measures aimed at early disease detection provided to babies under one year of age in clinics, home services of pediatrician within 30 km from MKAD, dental services, as well as outpatient and inpatient treatment within Russia. The insurance coverage for the programs within this product is as follows: Children’s clinic (classic)/ Ambulatory care within Russia is  2,000,000 rubles; Specialized dental services – 1,000,000 rubles; Planned and urgent inpatient treatment / Urgent inpatient treatment within Russia – 5,000,000 rubles.

Optimal product covers all necessary outpatient and dental services for children, including home services of pediatrician within 30 km from MKAD. At the client’s wish the insurance coverage may contain inpatient treatment, including ambulance services. The insurance coverage for this product is as follows: Children’s clinic (classic) is 2,000,000 rubles; Specialized dental services – 1,000,000 rubles; Urgent inpatient aid – 3,000,000 rubles.

Rational product provides for all necessary outpatient and dental services for children rendered at affordable prices. At the client’s wish the police may be added by urgent inpatient treatment, including ambulance services. The insurance coverage for this product is as follows: Children’s clinic (classic) is 2,000,000 rubles; Specialized dental services – 1,000,000 rubles; Urgent inpatient aid – 3,000,000 rubles.

‘Ingosstrakh policy covers the maximum range of services currently available in the VMI market,’ notes Lada Akulshina, Deputy Director of Medical Insurance Department of Ingosstrakh OJSIC, ‘Our new package provides comprehensive medical services rendered in medical institutions, including our own ones, conforming to high quality standards. At the same time they allow to compensate for additional expenses for children’s health resumption and ease pressure on family budget.’

New options introduced by Ingosstrakh OJSIC are valid in Moscow and Moscow region. It should also be reminded that the children’s clinic was opened by the insurer within its own Be Healthy chain of medical centers in the heart of Moscow on Myasnitskaya St., 13, bldg.13-13а-14. The clinic ensures a wide range of health programs for children depending on age and family budget.