Critical illness insurance. Press about insurance, insurance companies and the insurance market. Conditions for insurance of deadly diseases

The life of a modern person is filled with events and plans. In the hustle and bustle of things, there is often no time left to get diagnosed by a doctor and find out the causes of the unpleasant symptoms that appear. When the discomfort becomes severe, it turns out that precious time is lost, and now attempts to combat the disease mean a huge waste of time and money. To avoid being on the verge of financial bankruptcy, the patient can take advantage of a special insurance product - critical illness insurance, i.e. potentially fatal illnesses. All costs associated with therapy will be borne by the insurer.

Main provisions of the agreement

Critical illness insurance is much like life or disability insurance. However, there is an important difference: for the two specified types of policies, payments are made if the insured person dies or receives a disability group incompatible with work. All expenses associated with receiving medical services and purchasing medications fall on the shoulders of the patient and his family.

VHI for deadly diseases, on the contrary, is valid when the patient is alive. Payments from the insurance company are used to purchase services and medications necessary for recovery. Having financial support increases the chances that a citizen will be able to cope with a dangerous disease. The cost of the policy is determined for each client individually. When calculating it, the insurer proceeds from the following factors:

• Patient's age;
• His gender;
• Indicators of the state of his body;
• Insurance period;
• Coverage amount.

Insurers reserve the right to revise the premium depending on the incidence statistics of certain ailments in the country as a whole. VHI for critical illness can be purchased as a stand-alone insurance product or as an addition to a policy with “standard” or limited coverage. The basic conditions of critical illness insurance include the following:

• The citizen chooses the insurance period independently: there are policy offers on the market for 1, 2 years, 5, 7 years;
• A citizen undergoes a mandatory full diagnosis (Check up) at a medical institution that has an agreement with the insurer. For example, the seven-year “Borders of Health” program from Ingosstrakh involves examinations every two years;
• The policyholder is paid the amount of money specified in the policy upon making a specific diagnosis. To receive funds, a citizen must live at least 30 days from that moment;
• The patient has the right to spend the amount received for any needs;
• Basic insurance covers oncology, heart attack and stroke. Additionally, the client can include about 40 diseases in the policy.

The amount received from the insurer can be used for any purpose, including the purchase of medicines and payment for medical services and assistance, the use of alternative (non-traditional) methods of treatment, paying off debts, modifying a home and personal car, learning a new profession, etc. But if a citizen dies of a critical illness, the paid premiums are returned to his legal successors.

What is considered an insured event?

An insured event is a patient's visit to a doctor for diagnosis or treatment of a disease specified in the insurance policy during the period of VHI. Today, insurance companies offer protection that covers more than 40 potentially dangerous illnesses, but insurance does not cover suicide attempts, illnesses resulting from emergencies, military actions, due to intentional actions of the patient, unsuccessful attempts at self-medication, professional sports and etc. Insured events include the following:

• Malignant tumors;
• Heart attack;
• Stroke;
• Heart bypass;
• Severe burns;
• Loss of vision or hearing;
• Paralysis or amputation of limbs;
• Multiple sclerosis;
• Kidney failure;
• Organ transplantation and so on.

The above list is not final; it may include additional items depending on the wishes and financial capabilities of the insurer. Oncology, heart attacks and strokes are diseases included in the basic coverage of the policy. Additionally, the patient and the insurer can agree to indicate other ailments. The larger the list, the larger the premium amount will be. Critical illnesses have one thing in common: in the absence of timely treatment, they will lead to the death of the patient, but with early diagnosis, in 90% of cases they can be treated.

Who is not entitled to insurance?

The goal of insurance companies is to minimize their own risks, so they have developed a system of requirements for potential clients. To assess such risks, insurers survey their clients and can also send them for a medical examination to make sure that the citizen came for insurance while sick. In general, the criteria for selecting potential policyholders can be reduced to the following points:

• Age. Insurers work with persons from 18 to 65 (75) years of age;
• Lifestyle;
• Patient's medical background;
• Current health status.

Registration of the policy is not available to citizens who are in prison, who abuse alcohol and drugs, or who are registered with a psychiatrist. Insurers do not work with those who have previously suffered serious illnesses (kidney failure, hepatitis, ulcerative colitis, etc.) or organ transplantation. VHI will not be issued to citizens with diabetes, people with disabilities, those diagnosed with heart disease, malignant tumors, etc. The insurance company will refuse to pay the money if it turns out that, for example, the patient developed cancer before purchasing the VHI policy.

Validity period of the insurance policy

A special feature of critical illness insurance is the “temporary deductible”. It means that a person cannot purchase a policy and begin treatment for cancer or kidney failure the next day. There is a deferment period that minimizes the risks of the insurer. The duration of the franchise depends on the validity period of the policy and is set by each company independently. For example, the Panacea society offers the following conditions:

• Waiting for an insurance policy - 5 days after purchase;
• The deductible applies when the main insurance coverage is not valid - 6 months after purchase;
• The period of full insurance coverage is the last 12 months.

If the client falls ill during the period of the “temporary deductible”, he will not be able to receive insurance payments. If an examination carried out after 7 months reveals that a person has cancer, he will be paid the amount due. To receive payments, the client contacts the insurer by phone or email. If the diagnosis is confirmed, the amount due is transferred to him, they help him choose specialists to contact, a medical institution, and settle all the formalities that arise.

Conclusion

Insurance against critical (fatal) illnesses is quite risky for insurance companies, so they have a number of client selection criteria in place to minimize such risks. Many companies prefer not to insure against cancer, since treatment costs are hundreds of times higher than premiums, and such diseases are often recurrent. The validity of an insurance policy also has its own characteristics, which, in particular, cannot be used immediately after the conclusion of the contract.

"Financial newspaper. Regional issue", N 2, 2003

It is extremely in demand in many countries. In 1987, SKZ appeared in the UK and became the most popular insurance product, in 1990 - in Australia, and later in Japan and the USA. In Canada, this type of insurance has been practiced since 1996.

Research has shown that the most common critical illnesses are cancer, heart attack and stroke. However, along with these three diseases, insurance protection is also necessary in case of financial expenses caused by other diseases or the need for organ transplantation. Later, the coverage of the VHC policy began to extend to other serious diseases (loss of vision, hearing, speech, multiple sclerosis, paralysis, etc.). Many modern VHC policies provide protection for more than 40 diseases.

When creating an insurance product, insurers were faced with the fact that the financial needs of each policyholder after diagnosis are completely different: one has an unrepaid loan for the purchase of a house, others need funds to pay for their children’s education, others need savings to financially support their family and dependents, etc. d. Thus, the conclusion suggested itself that there simply cannot be a universal basis for designing an insurance product and its application. Instead, it makes sense to ask each insurance company customer to independently assess their future financial needs (as with life insurance) and then set the appropriate sum insured.

The cost of a VHC policy depends on factors such as age, gender, lifestyle, previous medical health conditions, insurance period and sum insured. The amount of the annual insurance premium may be revised by the insurer depending on the morbidity situation in the country.

Life insurance is typically associated with benefits upon the death of the policyholder. However, the likelihood of serious illness for most people is much higher than the likelihood of dying before reaching retirement age. SIC is comparable to survival insurance or disability insurance. However, there are also fundamental differences.

Traditional life and accident insurance policies do not provide the necessary coverage in today's environment, where survival from serious illnesses has increased significantly and the life expectancy of people suffering from such illnesses has increased. In practice, a situation may arise where no payments are made under a life insurance policy, since the policyholder continues to live, and under a disability insurance policy, payments may cease as a result of recovery or restoration of working capacity.

Despite the fact that the insured person may be formally able to work, serious illnesses entail significant financial costs:

treatment costs (not all costs are covered by compulsory and voluntary health insurance);

lost or reduced income due to disability;

forced change in lifestyle (change of profession, early retirement, change of place of residence, additional expenses for health restoration, etc.).

In connection with these circumstances, an SKZ policy seems even more necessary than policies of other types of life insurance. However, SIC does not replace either disability insurance or life insurance. Rather, it expands their capabilities. The purpose of VIC is different from that of other types of personal insurance. Regardless of whether the policyholder recovers from the disease or not, and whether he is able or willing to work or not, the sum insured will be paid. Other types of insurance do not offer such conditions. It does not matter for the insurer for what purposes the paid amount of insurance coverage will be used.

The main conditions of the SKZ are as follows:

providing the insured with a certain amount of money upon diagnosis of any disease listed in the policy. In this case, the insured must live at least 30 days from the date of diagnosis;

the insured disposes of the amount of money received at his own discretion;

basic coverage covers diseases such as heart attack, stroke, cancer;

additionally, the policy can include over 40 types of diseases;

in the event of the death of the policyholder, the paid premiums are returned;

a critical illness insurance policy can act as a separate insurance product or any life insurance policies can be added to it;

the policy period varies from 5 years until the policyholder reaches 65 or 75 years of age;

the possibility of returning insurance premiums in the absence of claims for payment after 10 years or when the policyholder reaches the age of 75 years.

In addition, there are a number of possibilities for spending the received amount of insurance coverage:

alternative medicine;

paying off debts or saving a pension;

early retirement;

payment for home health care;

payment for the services of a private nurse and caregiver;

acquisition of necessary medical equipment;

providing the family with money;

the cost of specialized treatment abroad;

home or car modification costs;

retraining costs and initial capital for resumption of professional and business activity;

financial compensation in connection with medical limitation of workload or early retirement.

SKZ is an insurance product that was created for one single purpose and has no other purposes or possibilities for applying it in practice. This greatly simplifies actuarial work, reducing it to determining the probability of a critical illness depending on age. And this already resembles calculating the probability of death depending on age based on mortality tables.

Since the insured amount is paid after the diagnosis is established, the direction in which it is used by the policyholder does not matter to the insurer. In this regard, such a factor as inflation of prices for medical services can simply be ignored. All the insurer needs are the appropriate tables that show the dependence of the probability of disease on age and gender (similar to mortality tables). This dependence is subject to the same laws as the probability of death, including the law of large numbers.

When the product was first invented, calculating the probability of disease risk was very problematic. Insurers did not have statistical information that could be examined by actuaries. Later, a very reasonable way of calculating the probability of a critical illness for individuals was found, and a calibration technology was invented that allows the data on the probability of a critical illness to be adapted to a specific insurance field.

There are two main types of SHI policies: standard and SHI with accelerated death benefit.

Standard SKZ policy. The terms of the contract are very simple: the amount of insurance coverage is paid upon diagnosis, after which the policy ceases to be valid.

Provided that x is a person aged x years; ix is ​​the probability of the occurrence of SCZ for a person aged x years; Ex - the amount of the insured amount (payment) in the event of SCD, the tariff (T) per unit of insurance amount Ex when paid upon establishing a diagnosis of SCD will be:

The occurrence of a critical illness is a complex risk that consists of the individual risks of each individual disease. Let's say a heart attack - N; stroke - S; cancer - C; organ transplantation - O; cardiovascular surgery - HS; other diseases - Ets. Then the total risk (iall) will be calculated using the formula:

iall = iH + iS + iC + iO + iHS + iEts.

It must be taken into account that the greater the coverage (the list of diseases covered by the policy), the higher the insurance premium.

SHC with accelerated death benefit. The insurance product is based on a life insurance policy. The sum insured is paid upon diagnosis or in the event of death (whichever occurs first). Premiums cease once the sum insured is paid and the policy lapses. For calculations, it is necessary to create a model of the population, where it is divided into two groups: healthy and patients with critical illnesses.

Provided that qx is the probability of death from any cause; kx is the share of deaths from SCD among all deaths, the tariff (T) per unit of insurance amount Ex when paid both upon diagnosis of SCD and in the event of death during the transition from age x to age (x + 1 year) will be:

T = ix + (1 - kx) qx.

A certain difficulty is presented by the fact that, unlike official published mortality tables, statistics on morbidity and survival of people susceptible to critical illnesses are not publicly available.

VHC policies vary depending on the type of coverage (the list of diseases upon the occurrence of which payment is made) and combinations of risks. The simplest policy covers the most common diseases such as heart attacks, stroke, and cancer. This more complex type of coverage covers cardiovascular surgery, multiple sclerosis, kidney failure, paralysis, blindness, hearing loss, organ loss or transplantation. Some insurers include coverage for Alzheimer's disease, Parkinson's disease, coma, loss of speech function, and serious burns. This list does not cover all possible diseases, but guarantees payment in case of most of them. However, in this case, the name SHC does not quite correspond to its content, since many of the listed are not diseases, but conditions of the body as a result of accidents and injuries (coma, burns, blindness, deafness, organ transplantation, etc.), i.e. e. object of accident insurance.

Typically, VHCs accept persons aged 18 to 65 or 75 years. The sum insured varies widely (usually it does not exceed five times the policyholder's annual income plus the unpaid mortgage on the house, loans, etc.).

The insurance amount is paid 30, 60 or more days after the diagnosis of the disease specified in the policy. If the policyholder dies before this period, the amount of premiums paid is returned to the beneficiary or heirs.

Within the framework of one policy, life insurance and social protection insurance can be combined in different shares. For example, from 25 to 75% of the sum insured can be paid for the risk of survival, and the remaining share - for the risk of death. Not all survivorship payments are similar to payments under the SHC. Payment under SKZ does not depend on the fact of recovery; the insured must survive at least 30 days.

In practice, it is possible to have an insurance product with a unique combination of SLC and universal life insurance. SIC is also combined with disability insurance. The most common combinations include the following.

1. SKZ + mortgage insurance. The insurance conditions are standard, and the policy period coincides with the mortgage payment period.
2. SKZ + term life insurance. Payment is made either upon diagnosis or in the event of death during the policy period.
3. Lifetime insurance policy (policy period is not limited).
4. Joint VHC for the first disease. This policy is purchased by a married couple and means that once one of the two policyholders makes a claim for payment, the policy will cease to be in effect. The remaining second policyholder remains without insurance.
5. SKZ + insurance in case of permanent disability. For each insured event, a separate insurance amount is provided. If a disease is diagnosed, the first amount is paid; if permanent disability occurs, the second amount is paid (in accordance with the terms of the policy). Such a policy may include AIDS (HIV) as part of its insurance coverage.
6. Joint health insurance + insurance in case of permanent disability. Both spouses are entitled to payment for both insurance events.
7. Joint health insurance + insurance in case of permanent disability due to the first disease. Payment for each insured event is made only once.
8. SKZ + ordinary life insurance (in case of death). Payment is made depending on which insured event occurs first.
9. Joint SKZ + ordinary life insurance for the first insured event. Payment is made only to the first claimant.

The insurance contract may contain special conditions and restrictions. Thus, the insurer has the right to refuse payment under the following circumstances:

if the policyholder has provided him with knowingly false or incomplete information;

if the claim for payment arises for reasons related to the fact that the policyholder has a profession that is characterized by increased risk;

in case of self-harm, as well as alcohol abuse or drug use;

if the policyholder had a diagnosis of a disease included in the coverage at the time of concluding the insurance contract and he was aware of it.

Persons with current or past serious illnesses such as stroke, cancer, heart attack, AIDS (HIV), etc. are not subject to insurance; persons who have previously undergone organ transplantation, abuse alcohol, take drugs, etc.

The majority of insurance claims under SKZ are associated with diagnoses of cancer, heart attack and stroke - the main causes of death of a modern person. In 75% of cases, the cause of death is precisely these diseases, and therefore underwriting for SKZ practically coincides with underwriting for life insurance. However, in practice there are some differences.

A SKZ policy is purchased by the policyholder for himself (the contract is concluded for his own benefit), while life insurance is mainly carried out for the benefit of the beneficiary. The policyholder has a greater interest in this insurance product (compared to insurance aimed at financial support for relatives and other close people). On the other hand, the risk of suicide that comes with life insurance cannot arise with SIC. When developing a VIC product, one should adhere to the same principles as when developing life insurance.

N. Chelukhina

Department of "Insurance"

Russian Economic Academy

them. G.V. Plekhanov

“A critical illness is a disease that significantly affects lifestyle, has an unambiguous definition, an objective and verifiable diagnosis, as well as detailed statistics,” explains Natalia Shumilova, president and chairman of the board of Medexpress. In general, the concept of critical illness comes from personal insurance. Market practice followed the path of expanding interpretation. Some companies currently classify up to 30 items as critical illnesses, including any disease that irreversibly changes a person’s life. In most cases, so-called critical illnesses are excluded from insurance coverage under a VHI policy, but not always. “Unlike many other companies, Medexpress traditionally includes a wider range of medical services and diseases in its VHI insurance programs. We pay for the treatment of oncological diseases and operations on the heart vessels as part of the VHI. We do not limit the length of hospital stay, the number of hospitalizations, diagnostic and treatment services if there are medical indications,” says Natalia Shumilova.

VHI involves organizing treatment at the expense of an insurance company (often with various restrictions and limitations), and insurance specifically for critical illnesses is a fixed payment upon diagnosis of those diseases that are usually excluded from VHI. These are different types of insurance, and therefore the ideal option for a person is to have both policies, says Natalia Shumilova.

In relation to corporate voluntary health insurance, insurers have begun to include oncology in the policy - when surgery, radiotherapy, and isotope treatment are paid for during initial detection. For example, at Medexpress it costs only 600 rubles per person (for teams from 100 to 500 people), but the decision on insurance remains with the employer.

Voluntarily and independently

At the same time, health is a basic human value, and shifting responsibility for one’s life to an employer is not entirely correct. And if previously even personal insurance options had an impressive list of restrictions and exceptions, now the situation is changing, insurance companies are creating new products. Experts assess their potential quite highly.

An example is the innovative product for individuals “Manage your health!” from the VTB Insurance company, launched in 2014 and providing financial protection when a number of critical diseases are identified. A key distinguishing feature of the policy is insurance in case of diagnosis of cancer. Everyone insured under the “Manage your health!” product receives a guarantee of free routing and support services at all stages and in all aspects of treatment - from double-checking the diagnosis to selecting a clinic, consultations on the course of treatment, legal and psychological support, and more; insurance payment from 750 thousand rubles (in the first year) and up to 2.4 million rubles (in the tenth year of insurance); expansion of protection to the list of “Critical illnesses” (stroke, myocardial infarction, paralysis, end-stage renal failure, the need for coronary artery bypass grafting or organ transplantation).

The cost of an individual policy starts from 5 thousand 590 rubles per year for adults and from 2 thousand 990 rubles per year for children. A family policy (two adults and up to three minor children) will cost from 11 thousand 180 rubles per year. The insurance contract is concluded without a preliminary medical examination or other procedures, based on the signing of a health declaration. However, to protect against unscrupulous policyholders, the policy begins six months after the conclusion of the contract. There are age restrictions and a list of diseases and conditions for which persons are not accepted for insurance. Insurance periods range from three to ten years. This insurance program has passed the examination of the Association of Oncologists of Russia, the Federal State Budgetary Institution “Research Institute of Oncology named after N.N. Petrov" of the Ministry of Health of Russia, Federal State Budgetary Institution "Moscow Research Oncology Institute named after P.A. Herzen" of the Russian Ministry of Health, Federal Medical and Biological Agency.

According to the director of the VTB Insurance branch in St. Petersburg, Kirill Pavlov, the demand for this service is already significant and the number of policies sold is in the thousands.

Ambulance

The big advantage of a personal insurance policy against critical incidents compared to a voluntary health insurance policy - even apart from the typical exceptions in VHI - is that a person receives freedom to manage money and freedom to choose a medical institution.

“Among private clinics, interest in the treatment of critical illnesses in general and oncology in particular is growing, we have the appropriate licenses. At the same time, the more insurance products develop, the better for clinics - we are ready to quickly respond to incoming requests,” notes the General Director, Chief Physician of the American Medical Clinic & Hospital (American Medical Clinic, a large polyclinic and hospital complex providing medical services in 39 areas ) Efim Danilevich.

Cardiovascular diseases have their own specifics, regardless of the policy. When interacting with some accredited government agencies, even first-class insurance and assistance services are not able to help the patient. In the case of heart disease, not only hours, but even minutes are critical. “A case from our practice: we arrived at the patient and made a diagnosis within 15 minutes. Then timing was everything. In order for the person to be urgently admitted to the nearest medical facility, a call to the chief doctor was required. But even in this case, assistance to the patient was provided only after four hours,” says Lev Averbakh, CEO, chief physician of CORIS Assistance (assistance company - private ambulance, emergency room). “Sometimes it’s easier to take a patient to Finland than to place him in a St. Petersburg hospital. Actually, a few years ago, sometimes we did just that (by the way, on a CORIS machine), and it saved people’s lives,” recalls Tatyana Dolinina, marketing director of ASK Petersburg.

By the way, a number of insurers offer special programs (or additional options to standard programs) for treatment abroad. Thus, the “Health Sphere” product from the RESO-Garantia company, developed jointly with the Spanish company Sphera Global Gestión Médica Internacional S.L., provides the following services: a second medical opinion (a written opinion from a recognized international licensed doctor in his field - a specialist in such diseases, such as cancer, stroke, heart attack, hepatitis, diseases of the cardiovascular system, congenital malformations, etc.); medical consultation and orientation on various pathologies, diagnosis and treatment using remote access and telemedicine; organization of inpatient treatment (without paying the cost of treatment) at a fixed cost, insured against possible increases; services (invitation, transfer, hotel accommodation, accompaniment in the clinic with an interpreter, monitoring of hospital stay). As Tatyana Savateeva, Deputy Head of the Directorate of the North-West Regional Center "RESO-Garanties" explains, the program implies several levels of coverage and service.

Tatyana Dolinina points to another aspect - the financial well-being of the family if misfortune affects any of the working family members. For this case, there are also special products that provide payment upon the occurrence of an accident, which will serve as significant financial support. Thus, the policy from the ASK company “Close People” protects all family members from accidents with any of them. In this case, family means close people who do not necessarily live in the same living space, and civil marriages are also taken into account. The insurance premium is minimal (from 1.2 thousand rubles), the total insurance amount for everyone is within 500 thousand rubles. If one of the family members is injured or disabled as a result of this injury, then ASK will pay money depending on the severity of the injury. If the injury is serious and the person is hospitalized for a long time, the family will receive additional money - 0.2% of the insured amount for each day of hospitalization.

Think strategically

The probability of curing cancer with early diagnosis reaches 90%. But more than 40% of diagnoses in our country are made at late stages. And diseases of the cardiovascular system are the main threat to the life and health of people around the world. Compulsory health insurance does not work in the best way. In the current economic situation, the sudden detection of serious illnesses can hit the family budget or simply make expensive treatment impossible. For such cases, you need a policy. By the way, in some cases the policy requires a “voluntary-compulsory” annual examination, which will allow the disease to be identified at an early stage.

If we talk about ways of prevention and minimization of treatment costs, then the personal insurance adviser to the territorial director of SOGAZ OJSC for the Northwestern Federal District, Doctor of Medical Sciences Igor Akulin, thinks strategically. First of all, the general state of healthcare leaves much to be desired - there is practically no prevention of diseases, which ultimately leads to the emergence of a bunch of diseases. The practice of professional medical examinations and preventive measures would be very useful. Also, Igor Akulin believes, it would make sense to create an institute of general practitioners in clinics at the level of a state or local city program. By the way, in the West, a person, bypassing a general practitioner, will not get an appointment with a specialist. Igor Akulin recalls a very indicative experiment launched with his participation while working on the Health Committee: three general practitioners in a particular medical institution covered 85% of calls, and only 15% of calls required further consultation with highly specialized specialists. But impressive results with the continuation of the experiment, and even more so with its expansion, would ultimately require the reduction of such doctors, while the domestic personnel training system is designed precisely to produce a large number of highly specialized specialists. The project was cancelled. Currently, the mentality of the Russian patient is such that he certainly wants to go straight to a specialist, considering a general practitioner or family doctor to be something like a “non-specialist”, without really understanding the objective expediency of an initial consultation with such a doctor.

Saint Petersburg

Market average

Classical scroll critical diseases By NS:

• stroke;
• heart attack;
• renal failure;
• major organ transplantation;
• coronary artery bypass grafting.

Advanced scroll critical diseases By NS:

• benign brain tumors;
• other operations on the heart and aorta;
• multiple sclerosis;
• paralysis;
• loss of limbs;
• etc., up to 30 diseases.

Classical scroll critical diseases, excluded from programs VHI:

• oncology;
• surgical treatment of heart attacks and strokes;
• benign brain tumors.

Restrictions V programs VHI By treatment non-excluded critical diseases:

• for sums insured for critical illnesses in general;
• by duration and number of hospitalizations;
• on drug provision;
• on rehabilitation treatment;
• on the use of modern high-tech treatments and diagnostics, including surgical ones;
• for payment of consumables;
• further clinical observation and repeated courses of treatment.

Insurance program “Manage your health!” - this is a reliable help in case of diagnosing cancer.

What to do and how not to waste time if you are diagnosed with cancer?

Was the diagnosis correct? The choice of drugs, treatment methods and their effectiveness depend on the type of cancer cell.

Which doctor should I go to? Which clinic should I go to for treatment? To treat each disease, it is necessary to find a doctor with appropriate qualifications and a clinic that has all the necessary high-tech equipment.

How to get a quota for treatment? Where can I get the latest generation of effective medications? Modern treatments and medications can cost millions.

An insurance policy will solve all these issues for you.

The insurance program includes:

• routing and support service at all stages and in all aspects of treatment (rechecking the diagnosis, second opinion of the best oncologists in the country, drawing up a treatment plan, organizing treatment as quickly as possible in leading specialized clinics in Russia, psychological and legal support, protecting the rights of the patient) ;
• payment for treatment in the amount of up to 7 million rubles in leading clinics in Russia;
• insurance payment up to 300,000 rubles.

The “Manage Your Health” program is approved by the Association of Oncologists of Russia, the Federal State Budgetary Institution “Research Institute of Oncology named after. N.N. Petrov" of the Ministry of Health of Russia, Federal State Budgetary Institution "Moscow Research Oncology Institute named after. P.A. Herzen" of the Russian Ministry of Health, Federal Medical and Biological Agency.

The insurance contract is concluded without a preliminary medical examination or other procedures, on the basis of a declaration of health.

You can insure yourself and your loved ones aged 18 to 75 years.

Our partners

"Global Medical Assistance" is a company created with the support of the medical community, whose mission is to provide patients with access to quality medical care.

AXA Assistance– a French company specializing in the provision of insurance services; one of the world's largest insurers.

You spend a minimum of your money and get the most professional treatment possible!

A couple of decades ago, a doctor’s diagnosis “you have cancer!” sounded like a death sentence. But time passes, and science does not stand still. Today, doctors have not only learned to help cancer patients survive and live with cancer, but also to cure them.

Cancer can be easily cured at an early stage!

In Russia there is a whole program to help cancer patients, for which the state annually allocates billions of rubles. Cancer patients are entitled to free treatment, free medicines...

But the question is to get through the bureaucracy and prove to medical officials your right to receive it.

Unfortunately, such “evidence” takes up the most valuable thing – time!

After all, if you do not start treating the disease immediately after it is discovered, it develops and gradually passes into another, more severe stage.

In Russia, almost EVERY THIRD person with cancer dies within ONE YEAR after he learned about his diagnosis!

In Western countries, the survival rate is much higher... and it’s not about technology.

Unfortunately, there are no clear and precise criteria that will say 100% that a particular person will get sick or, conversely, will never get cancer. Exercising and consuming antioxidants reduces the risk of the disease, but does not eliminate it completely.

And the only RELIABLE protection against this is a financial “cushion”, which will help start treatment immediately if such a diagnosis is made.

Critical illness insurance programs are such a “financial cushion” because the Insured, after contacting the insurance company (after making the initial diagnosis), receives a payment of a large amount of money within 10-20 business days.

In addition to oncology, the list of critical diseases usually includes INFARCTION, STROKE, BLINDNESS, ACUTE RENAL FAILURE, NEED FOR VITAL ORGAN TRANSPLANTOLOGY.

The cost of the policy depends on the age and gender of the Insured, as well as on the selected sum insured. Naturally, the younger you are, the cheaper the policy. So, for example, according to one of the programs, insurance for a minor child for 1,500,000 rubles will cost from 2,580 rubles per year, while a 47-year-old man will pay 30,090 rubles for this program.

You can familiarize yourself with these programs in more detail.

P.S. You shouldn’t think “Oh, I won’t have anything like that!” Believe me, even 500,000 rubles (insurance cost from 860 to 15,710 rubles per year), paid within 20 days after diagnosis, can help you regain your health.

Do it right now. And... take care of yourself! After all, you are the most valuable thing you have.