Voluntary Medical Insurance (VMI)

Voluntary Medical Insurance (VMI) is a type of insurance that covers the costs of medical care, providing access to quality medical care in the best clinics and medical centers. VHI policies include the following types of medical services:

• Outpatient treatment - doctor consultations, diagnostics, laboratory tests, preventive examinations and vaccinations.
• Inpatient treatment - coverage of hospitalization, surgical interventions, hospital stay and medication.
• Diagnostic services - comprehensive examination of the body, including tests, ultrasound, MRI, CT and other types of diagnostics.
• Preventive measures - vaccinations, annual medical examinations, check-ups and health maintenance consultations.

Such insurance is intended for people who want to receive quality medical care, avoiding long queues in state institutions and minimizing personal financial expenses for treatment.

Accident and sickness insurance

Accident and sickness insurance covers you in the event of injury, serious illness or disability. Policies of this type may include:

• Injury benefits - compensation for injuries sustained in an accident (fractures, bruises, burns, etc.).
• Serious Illness Payments - providing insurance benefits in the event of a diagnosis of a serious illness (e.g. cancer or cardiovascular disease).
• Rehabilitation and recovery cover - reimbursement of the costs of rehabilitation procedures and recovery treatment, including physiotherapy, massage and other necessary activities.

This insurance is suitable for people who lead an active lifestyle, participate in sports or work in enterprises with an increased risk of injuries, as well as for those who want to protect themselves from unexpected expenses in case of serious illnesses.

Factors affecting the cost of insurance

• Age and gender: The older a person is, the higher the cost of insurance because the risk of illness and injury increases. Women may have higher premiums for certain types of insurance.
• Amount of coverage: The more services and types of medical care a policy covers, the higher the cost. The price is also affected by the coverage limit for each type of service.
• Medical History: Having a chronic condition or a history of serious illness can significantly increase the cost of a policy.
• Occupation and Lifestyle: Working in high-risk environments or playing extreme sports can also affect the price of insurance.
• Geographic location: The cost of insurance may vary depending on the region where you live, as health care prices can vary from one area to another.
• Number of insured persons: A discount may be given when insuring a group of people, such as company employees.
• Level of the selected clinic or medical facility: Priority care in elite clinics or medical centers is usually more expensive.

Thus, the price of a voluntary health and accident and illness insurance policy is formed on the basis of a set of factors that are assessed by the insurer individually for each client.