Voluntary Health Insurance (VHI)

We not only customize our health insurance plans to meet the needs of our customers’ business and employees; we create tailored and sustainable insurance solutions that fully satisfy their highest requirements.

Due to our many years of experience and streamlined business processes we are able to make immediate arrangements to obtain medical attention and care anywhere in Russia.

Comfort and confidence every day

ENERGOGARANT’s customers can take advantage of the following health insurance benefits for free:

• 24/7 customer service call center (health advice or appointment with medical professionals at a convenient time, home visit, ambulance service or admittance to hospital in the case of an emergency)
• Personal insurance account access to Your personal information and policies You may have bought
• Administrative and medical support from Your account manager and medical adviser throughout the duration of Your policy
• Prompt arrangement and delivery of specialized medical services in a hospital not on Your plan’s list
• Influenza vaccination at Your office (flu vaccine benefit can be used one time during the policy period)
• Fair defence in Your best interests when resolving any dispute with a hospital, clinic, or doctor's office
• Analysis of the volume and quality of medical care to avoid locking in costs for health products or services
• Medical adviser support during the entire period of insurance
• Discounted rates on insurance if Your spouse, child, other family member or relative is added onto Your plan
• Assistance in getting medical care for uninsured family members

Individual and corporate customers that have purchased our voluntary health and accident insurance products are eligible for the following tax benefits:

• In the case of accidents and illnesses insurance, expenses for employee insurance in an amount not exceeding 15,000 rubles per year calculated as the ratio of the total of premiums payable under such agreements to the number of insured employees, will be classified as labour payment expenses (Tax Code of the Russian Federation, Part II, Ch. 25, Art. 255, Cl. 16)
• Under voluntary medical insurance contracts, expenses for employee insurance will be included in the composition of expenses in an amount not exceeding 6 per cent of the amount of labour payment expenses (Tax Code of the Russian Federation, Part II, Ch. 25, Art. 255, Cl. 16)
• Expenses under voluntary personal insurance contracts will not be included in the cumulative annual income of the insured employee (Tax Code of the Russian Federation, Part II, Ch. 23, Art. 213)
• The amounts of insurance payments payable by the employer under personal insurance contracts are not accrued with contributions to State non-budgetary funds (Tax Code of the Russian Federation, Part II, Ch. 34, Art. 422, Cl .1)
• Insurance premiums for personal insurance contracts are exempt from value added tax (VAT) (Tax Code of the Russian Federation, Part II, Ch. 21, Art. 149)

If you have any questions about insurance, please contact us