What Is VMI?
Voluntary Medical Insurance (VMI) is a type of insurance under which the insured person receives medical care in the scope and on the terms provided for by the chosen program and the insurance contract.
Depending on the program, doctor consultations, diagnostics, outpatient or inpatient treatment, and other medical services may be included.
The specific list of coverage must be reviewed in the terms of the relevant program.
VMI Programs
1. What VMI programs are available?
VMI programs may differ in the scope of medical coverage, the list of services, medical facilities, territorial coverage, and other conditions.
A suitable program is selected based on the client's needs.
Details: https://arsins.kg/ru/services/dms-programmy
2. How do VMI programs differ?
The main difference lies in the scope of coverage and the terms of medical care provision.
When comparing programs, it is recommended to pay attention not only to the cost but also to the list of services, medical facilities, limitations, and the procedure for seeking care.
3. Can I choose the required scope of medical services?
The possibility of choice depends on the available programs and insurance terms.
4. Can I change the program after it has been issued?
The possibility of changing the terms is determined by the insurance contract and the company's current procedures.
5. Can I take out VMI for the whole family?
The availability of family insurance depends on the terms of the chosen program.
6. Can I take out VMI for one person?
Yes, if the relevant program provides for individual insurance.
VMI Cost
7. How much does VMI cost?
There is no fixed cost for all clients.
The price is determined individually, depending on the terms of the chosen program, the number of insured persons, the scope of coverage, and other parameters.
Details: https://arsins.kg/ru/services/dms-stoimost
8. What determines the cost of VMI?
The cost may be influenced by:
- the chosen program;
- the scope of medical coverage;
- the number of insured persons;
- the age of insured persons;
- the insurance term;
- the territorial coverage;
- the list of medical facilities;
- additional program terms.
9. Is the most expensive VMI program the best?
Not necessarily.
The best program is the one that meets the actual needs of the insured person.
10. Can I choose a more affordable program?
Yes, program selection can be made taking into account the required scope of medical care and
the client's budget.
Medical Facilities
11. At which clinics can I receive care under VMI?
Medical care is provided in accordance with the list of medical facilities and the terms of the chosen program.
Details: https://arsins.kg/ru/services/dms-kliniki
12. Can I go to any clinic?
Not always.
Before visiting, it is recommended to check whether the medical facility is included in your program and whether coverage applies to the required service.
13. Can I choose a doctor myself?
The possibility of choosing a doctor depends on the specific medical facility and the program terms.
14. What if the required specialist is not available at the clinic?
Contact the insurance company and clarify what alternative options are provided under your program.
15. Can I receive medical care in another city?
This depends on the territorial coverage of the specific program and the contract terms.
16. Can the list of medical facilities change?
The current list is determined by the program's existing terms. Before visiting, it is recommended to check the current information.
VMI Coverage
17. What does VMI cover?
Coverage depends on the chosen program.
Depending on the terms, the following may be included:
- doctor consultations;
- diagnostics;
- laboratory tests;
- outpatient care;
- inpatient care;
- dentistry;
- preventive measures;
- other medical services.
Details: https://arsins.kg/ru/services/dms-chto-pokryvaet
18. Is diagnostics included in VMI?
Diagnostic services may be included in the program if they are provided for by its terms.
19. Does VMI cover dentistry?
Dental services are only provided if they are included in the chosen program.
20. Does VMI cover inpatient treatment?
Inpatient care may be provided if the relevant type of care is included in the coverage.
21. Does VMI cover preventive check‑ups?
This depends on the terms of the specific program.
22. Does VMI cover medicines?
You need to check the terms of the specific contract and program. The mere existence of VMI does not automatically mean that the cost of any medications is covered.
23. Does VMI cover all medical expenses?
No.
Coverage is limited by the terms of the chosen program, the insurance contract, and established exclusions.
Insured Event
24. What is considered an insured event under VMI?
An insured event is an occurrence that corresponds to the terms of the concluded voluntary medical insurance contract.
Details: https://arsins.kg/ru/services/dms-strahovoy-sluchay
25. What if I need medical care?
If the situation is planned, it is recommended to first clarify the procedure for seeking care and whether approval from the insurance company is required.
In an emergency, priority is given to receiving the necessary medical care.
26. Do I need to call the insurance company before seeing a doctor?
This depends on the program terms.
If prior approval is required, you must contact the insurance company before receiving the relevant planned medical service.
27. What to do in an emergency?
First of all, you need to receive the necessary medical care.
After the situation has stabilised, you should act in accordance with the contract terms and the established procedure for interacting with the insurance company.
28. What if a clinic refuses service?
Clarify the reason for the refusal and contact the insurance company.
Provide the name of the medical facility, your policy details, and a brief description of the situation.
29. Can I pay for medical care myself?
The possibility of subsequent reimbursement depends on the contract terms.
Before paying for a planned medical service yourself, it is recommended to get advice from the insurance company.
30. Will I be reimbursed if I paid for treatment myself?
Reimbursement is not automatic.
The possibility and procedure for compensation are determined by the contract terms and the established procedure.
Documents
31. What documents are required for VMI?
The list depends on the program and the category of the policyholder.
Identity documents, personal data, and other information necessary for concluding the contract may be required.
Details: https://arsins.kg/ru/services/dms-dokumenty
32. What documents are required for corporate VMI?
For an organisation, information about the company, a list of employees, and data of the insured persons may be required.
The exact list is agreed upon when the contract is prepared.
33. Is it necessary to provide medical documents?
The need to provide medical information depends on the terms of the specific program and the insurance procedure.
34. What if my personal data has changed?
It is recommended to promptly notify the insurance company of the changes in the manner provided for in the contract.
Corporate VMI
35. What is corporate VMI?
Corporate VMI is voluntary medical insurance for employees of an organisation under an agreed program.
Details: https://arsins.kg/ru/services/dms-korporativnoe
36. Can I take out VMI for company employees?
Yes, an organisation can consider a corporate voluntary medical insurance program for employees.
37. What determines the cost of corporate VMI?
The cost depends on the terms of the chosen program, the number of employees, the composition of the insured persons, and the scope of coverage.
38. Can a new employee be added to an existing program?
The possibility of adding insured persons is determined by the contract terms.
39. Can I insure only some employees?
The possibility and terms are determined by the contract and the chosen program.
40. Why should a company take out VMI for employees?
Corporate VMI can be part of the social package and an additional tool for supporting employees.
Limitations and Exclusions
41. Are all diseases covered by VMI?
No. The list of coverage and exclusions is determined by the specific contract terms.
42. What are exclusions from coverage?
These are cases, services, or circumstances to which the contract terms do not apply.
Before taking out VMI, it is important to review the relevant terms.
43. Can I get any medical service under a VMI policy?
No. Coverage is determined by the chosen program.
44. Can I get a service that is not included in the program?
Receiving such a service does not mean that its cost will be covered by the insurance company.
If you are unsure whether coverage exists, first check with the specialists.
Using VMI
45. How do I know where to go under the policy?
Check the available medical facility and the procedure for seeking care with the insurance company.
46. What should I have when visiting a clinic?
This depends on the program terms and the requirements of the medical facility.
It is recommended to have an identity document and your policy details with you.
47. Can I use VMI immediately after it is issued?
The start of coverage is determined by the insurance contract.
You should refer to the date the contract comes into force and its terms.
48. How do I find out the validity period of VMI?
The term is specified in the insurance contract and relevant documents.
49. Can VMI be renewed?
The possibility of renewal is determined by the insurance terms and the contract.
Important Tips for Clients
Before using VMI, we recommend:
1. Keep your policy details handy.
2. Know the procedure for seeking medical care.
3. Check the list of available medical facilities.
4. Review the coverage and exclusions.
5. Check coverage before planned expensive treatment.
6. Keep medical documents in case they are needed.
7. Contact the insurance company if you have any questions.
How to Get a Consultation
If you don't know:
- whether a medical service is covered by VMI;
- which clinic to contact;
- whether prior approval is required;
- what documents are needed;
- whether the program applies to a specific situation;
do not assume that the service is covered.
Still have questions about VMI?
Get a consultation from the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" and clarify the terms of a suitable voluntary medical insurance program.
📞 7007 — toll‑free call