What Is Voluntary Medical Insurance (VMI)
Voluntary Medical Insurance (VMI) is a type of personal insurance under which the insurance company arranges and pays for medical services provided for in the insurance contract and the chosen program.
Unlike mandatory state health insurance programs, VMI allows you to receive an additional range of medical services under the terms specified in the insurance contract.
A VMI policy can be issued for both individuals and employees of organisations as part of corporate medical insurance.
The Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" offers modern voluntary medical insurance programs tailored to the needs of private clients and businesses.
Who Is VMI Suitable For
Voluntary medical insurance may be useful for:
- individuals;
- families;
- employers;
- employees of organisations;
- individual entrepreneurs;
- foreign citizens permanently or temporarily residing in the Kyrgyz Republic (subject to the program terms).
The insurance program is selected individually based on the client's needs.
What Services May Be Included in a VMI Program
The specific list of medical services is determined by the contract terms and the chosen insurance program.
Depending on the program, it may include:
- consultations with doctors of various specialisations;
- outpatient and polyclinic care;
- laboratory tests;
- instrumental diagnostics;
- a doctor's house call if the relevant service is available;
- inpatient treatment;
- emergency medical care;
- medication provision in cases stipulated by the program;
- preventive medical examinations;
- other medical services provided for in the contract.
The full list of services is determined by the terms of the selected voluntary medical insurance program.
Advantages of Voluntary Medical Insurance
Financial Protection
VMI helps reduce unexpected medical expenses within the limits of the insurance contract.
Access to Quality Medical Care
Depending on the chosen program, the insured person has the opportunity to seek medical care at healthcare facilities participating in the insurance program.
Individual Choice of Program
Clients can select an insurance program according to their needs, age, health status, and budget.
Corporate Solutions
Employers can take out VMI policies for their employees, which helps develop social support for staff and increase the company's attractiveness as an employer.
Specialist Support
Throughout the contract term, the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" advise clients on the use of the insurance program.
What Is Not Included in a VMI Program
The scope of insurance coverage is determined by the insurance contract.
Exclusions, limitations, and the list of services not covered by the program are established by the terms of the selected insurance product.
Before concluding a contract, it is recommended to carefully review the insurance rules and the program terms.
How to Apply for VMI
Taking out a policy involves several simple steps.
1. Consultation
Contact the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" for information on available programs.
2. Program Selection
The specialists will help you choose the optimal insurance program based on your needs.
3. Document Preparation
Provide the necessary documents for concluding the insurance contract.
4. Contract Conclusion
After the terms are agreed, a voluntary medical insurance contract is concluded.
5. Receiving the Insurance Policy
After the contract is issued, the client receives a policy and information on how to use the program.
Why Choose ARSENAL‑KYRGYZSTAN
✔ Individual Approach – We select the insurance program based on the needs of each client.
✔ Transparent Terms – All insurance conditions are explained in detail before signing the contract.
✔ Solutions for Individuals and Legal Entities – We offer programs for both private clients and the corporate segment.
✔ Advisory Support – Our specialists are ready to answer questions at all stages of the application and during the contract term.
Frequently Asked Questions
What is VMI?
Voluntary medical insurance is an insurance program that provides access to medical services in the scope specified in the insurance contract.
Is it mandatory to take out VMI?
No. VMI is a voluntary type of insurance.
Can I take out a policy for the whole family?
Yes. The possibility depends on the terms of the chosen program.
Can an employer take out VMI for employees?
Yes. Corporate voluntary medical insurance programs are available for organisations.
Where can I get a consultation?
Contact the company's specialists via the short number 7007.
Take care of your health today
Take out a voluntary medical insurance policy at the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" and get a program that meets your needs.
📞 7007 – Toll‑free call