Individual Medical Insurance

Clause

Outpatient medical care: 

• outpatient medical care by specialists;
• primary, secondary medical examinations and consultations; 
• clinical and laboratory tests in volume for diagnosing the health problem - by doctor's appointment; 
• clinical-instrumental studies in volume for diagnosing and monitoring the development of the health problem; 
• treatment in outpatient settings - by doctor's appointment and others;

Hospital medical care: 

• hospitalization with a total duration of up to 30 days in one insurance year, but no more than 7 days in an intensive care unit; 
• reception and accommodation of a patient;
• medical examination and appointment of treatment; 
• consultation by specialist doctors from the departments of the medical facility;
• clinical-instrumental tests - by doctor's appointment; 
• operations of small and medium volume and complexity; 
•  rehabilitation, physiotherapy; 
• sanitary transport and others;

Reimbursement of medical goods and devices: 

• medicines for outpatient and hospital care - as prescribed by a doctor;
• medical consumables for outpatient and hospital care; 
• aids in outpatient care;
• aids in hospital care.

Clause

 Outpatient medical care: 

• outpatient medical care by specialists; 
• primary, secondary medical examinations and consultations, including by a qualified person and specialist doctors from other medical institutions;
• clinical-laboratory tests for the diagnosis of the health problem - by doctor's appointment, including immunological, serological, isotopic tests; 
• clinical-instrumental studies for diagnosis and monitoring the development of the health problem, including computed tomography, nuclear magnetic resonance (without contrast), endoscopic studies; 
• treatment in outpatient settings - by doctor's appointment and others;

Hospital medical care:

• hospitalization with a total duration of up to 30 days in one insurance year, but no more than 7 days in an intensive care unit;
• reception and accommodation of a patient, including in a private room;
• medical examination and appointment of treatment; 
• consultation by specialist doctors from the departments of the medical facility, including specialist doctors from other medical facilities; 
• clinical and laboratory tests - by doctor's appointment;
• clinical-instrumental tests - by doctor's appointment;
• operations of large and very large volume and complexity;
• rehabilitation, physiotherapy; 
• selection of team/doctor for operative interventions and/or childbirth; 
• sanitary transport and others;

Reimbursement of medical goods and devices: 

•  medicines for outpatient and hospital care - as prescribed by a doctor, including vitamins and nutritional supplements;
• medical supplies for outpatient and inpatient care, including contrast and/or anesthetic; 
• out-of-hospital care aids, including a hearing aid; 
• aids in hospital care.