Where Can You Receive Medical Care under VMI
Voluntary medical insurance allows you to receive medical care within the framework of the chosen program and under the terms of the concluded contract.
When taking out VMI, it is important to consider not only the list of medical services but also the medical facilities where they are provided.
The list of medical organisations depends on the specific insurance program and the agreed contract terms.
How to Choose VMI with Suitable Medical Facilities
Before concluding a contract, we recommend clarifying:
- which medical facilities are included in the program;
- in which cities medical care can be obtained;
- what services are available at each facility;
- whether prior approval of the visit is required;
- how to make an appointment with a doctor;
- which services are provided directly at the clinic;
- which services require a referral or approval from the insurance company.
This allows you to understand in advance how the program will work in real conditions.
Medical Facilities and the Insurance Program
Not every medical organisation is automatically included in the VMI program.
Even if a clinic provides the necessary medical service, it does not mean that its cost will be covered by the insurance company.
The possibility of receiving a service is determined simultaneously by:
- the terms of the VMI program;
- the insurance contract;
- the list of medical facilities;
- the type of medical service;
- the procedure for seeking medical care.
Therefore, before visiting a medical facility, it is recommended to check whether the required service is available under your policy.
What Medical Services Can Be Received
Depending on the VMI program, medical facilities may provide services stipulated in the contract.
For example:
Specialist Consultations
Visits to doctors of various specialisations.
Diagnostics
Laboratory and instrumental tests, if included in the program.
Outpatient Care
Doctor consultations, diagnostics, and treatment without hospitalisation.
Inpatient Care
Medical care in a hospital setting if the relevant coverage is available.
Dental Care
If dentistry is provided for in the terms of the chosen program.
Other Medical Services
The list is determined by the specific insurance program.
How to Receive Medical Care under VMI
The general procedure for seeking care depends on the contract terms.
Before visiting a medical facility, it is recommended to:
Check whether contacting the insurance company is necessary.
Provide the insurance policy details.
Clarify the available medical facility.
Obtain information on the appointment procedure.
Seek medical care in accordance with the program terms.
If the contract requires prior approval, it is not recommended to seek the service on your own before receiving the appropriate confirmation.
What to Do If the Required Clinic Is Not on the List
If the necessary medical organisation is not among those provided for in the program, you should contact the insurance company specialists.
Depending on the contract terms, the specialists can explain:
- whether an alternative medical organisation is available;
- whether the required service can be obtained at another clinic;
- whether prior approval is required;
- whether the insurance coverage applies to the specific service.
Can You Go to Any Clinic?
Not always.
The possibility of receiving medical care is determined by the terms of the specific VMI contract.
Therefore, before contacting a medical organisation, it is recommended to check whether it is included in the program and whether the coverage applies to the required service.
If Emergency Medical Care Is Needed
In an emergency situation, the first priority is to ensure safety and seek the necessary medical care.
The procedure for further interaction with the insurance company is determined by the specific contract terms.
If the situation allows, it is recommended to contact the insurance company specialists and clarify the further course of action.
📞 7007 — toll‑free call.
How VMI Works
A simplified diagram is as follows:
Policyholder
↓
Concludes a VMI contract
↓
The insured person receives information about the program
↓
The need for medical care arises
↓
Contact according to the program terms
↓
Medical Facility
↓
Receiving medical care provided for in the contract
Why It Is Important to Know the List of Clinics Before Taking Out VMI
The medical facility is one of the important elements of a voluntary medical insurance program.
When choosing a policy, it is worth checking in advance:
- the location of clinics;
- available medical specialties;
- the presence of necessary specialists;
- the appointment procedure;
- diagnostic capabilities;
- the terms for receiving emergency care;
- the territorial coverage of the program.
It is especially important to consider these parameters for corporate insurance, where the - program must be convenient for a large number of employees.
For Corporate Clients
When choosing corporate VMI, the employer is advised to consider the location of medical facilities relative to:
- the office;
- employees' places of residence;
- production sites;
- company branches.
A convenient medical infrastructure makes the corporate program more practical for employees.
Current List of Medical Facilities
Important Information
The list of medical facilities available under VMI may depend on the chosen program and may change in accordance with current terms.
The current list of medical organisations should be clarified when concluding the contract or from the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN".
If an official list of partner medical organisations is published on the website, it is recommended to place it in this section and update it regularly.
Frequently Asked Questions
Can I choose a clinic myself?
The possibility of choice depends on the terms of the specific VMI program.
Does VMI work at any clinic?
No. The insurance coverage operates in accordance with the program and contract terms.
How do I find out if a clinic is included in the program?
You can check the current information with the company's specialists.
Can I receive care at another clinic?
This depends on the specific contract terms and prior approval.
Do I need to call the insurance company before seeing a doctor?
The procedure is determined by the insurance program. In some cases, a prior call is required.
What if the required doctor is not available at the clinic?
You should contact the insurance company specialists to clarify the available options.
Can I receive dental care?
If the corresponding services are provided for in the chosen VMI program.
Can I undergo diagnostics?
Yes, if the necessary type of diagnostics is included in the program.
Does VMI work in all cities of Kyrgyzstan?
The territorial coverage is determined by the specific contract terms.
Don't know which clinic you can visit for help?
Call the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" and clarify the current list of medical facilities and the procedure for seeking care under your VMI program.
📞 7007 — toll‑free call