What Is Corporate VMI
Corporate voluntary medical insurance allows an employer to provide employees with additional medical protection.
The company enters into an insurance contract that defines the insured employees, the scope of medical coverage, the terms for receiving medical care, the validity period of the program, and other parameters.
Corporate VMI can become part of an organisation's social policy and an additional tool for supporting employees.
The Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" offers organisations the opportunity to consider voluntary medical insurance programs tailored to the composition of the workforce and business needs.
Who Is Corporate VMI Suitable For
Corporate VMI can be used by organisations of various sizes:
- small businesses;
- medium‑sized companies;
- large organisations;
- companies with distributed teams;
- organisations that want to provide employees with additional social guarantees.
The number of insured employees and the program terms are agreed upon when the contract is concluded.
Why a Company Needs Corporate VMI
Additional Care for Employees
The employer provides employees with an additional opportunity to receive medical care within the chosen program.
Social Package
VMI may be part of the corporate social package along with other benefits and privileges.
Employee Support
Additional medical protection may be particularly sought after by employees for whom the
availability and organisation of medical care are important.
Employer Competitiveness
Corporate insurance programs can be used as one element of an attractive social package when hiring and retaining specialists.
What a Corporate VMI Program May Include
The specific list of services is determined by the chosen program and the insurance contract.
Depending on the program terms, medical coverage may include:
- doctor consultations;
- outpatient and polyclinic care;
- laboratory diagnostics;
- instrumental examinations;
- inpatient care;
- emergency medical care;
- dental services;
- preventive measures;
- other medical services provided for in the contract.
Important: the services listed above are not a guaranteed composition of every VMI program. The actual scope of coverage is determined by the terms of the specific contract.
How a Corporate Program Is Formed
Corporate VMI can be selected taking into account the specific features of a particular organisation.
When agreeing on the program, the following may be considered:
Number of Employees
The number of persons to be included in the insurance coverage is determined.
Workforce Needs
The company determines which scope of medical care is most relevant for employees.
List of Medical Services
The necessary set of services is selected within the available programs.
Medical Facilities
The medical organisations in which the insured persons can receive the care provided for in the contract are identified.
Validity Period
The duration of the corporate contract is determined.
How to Arrange Corporate VMI
1. Discuss the Company's Needs
The number of employees and the desired level of medical protection are determined.
2. Get a Consultation
Specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" will provide information on available options.
3. Agree on the Program
The terms of coverage, the list of medical services, and other parameters are defined.
4. Receive a Proposal
Based on the agreed terms, a proposal is prepared for the organisation.
5. Conclude the Contract
After all terms are agreed, a voluntary medical insurance contract is concluded.
6. Enrol Employees
Insured employees receive information on how to use the program.
What the Employer Gets
By choosing corporate VMI, the company gains the ability to organise additional medical protection for employees under a single contract.
This allows for centralised determination of:
- the list of insured persons;
- the insurance terms;
- the scope of medical care;
- the program validity period;
- the interaction procedure;
- other contract parameters.
What the Employee Gets
Within the limits of the program terms, the insured employee has the opportunity to use the medical care provided for in the contract.
The procedure for seeking care, the list of available services, and the medical facilities are determined by the insurance program.
How to Choose a Corporate Program
When choosing VMI for employees, it is not advisable to focus solely on price.
We recommend assessing:
1. the number of employees;
2. the age composition of the workforce;
3. the required scope of medical care;
4. the list of medical facilities;
5. the territorial coverage;
6. the sum insured;
7. exclusions and limitations;
8. the procedure for seeking medical care;
9. the validity period of the contract;
10 . the payment procedure.
This way, the company can select a program that matches the actual needs of the workforce.
Can Only Some Employees Be Insured?
The possibility and terms are determined by the specific program and contract.
The composition of insured persons is agreed upon when taking out corporate VMI.
Can New Employees Be Added?
The possibility of making changes to the list of insured persons depends on the terms of the concluded contract.
When the staff composition changes, it is recommended to contact the insurance company in a timely manner.
How Much Does Corporate VMI Cost?
There is no fixed price for all organisations.
The price depends on the parameters of the specific program, including the number of insured employees and the chosen scope of medical coverage.
To obtain an individual offer, you need to contact the company's specialists.
Frequently Asked Questions
What is corporate VMI?
It is voluntary medical insurance for employees of an organisation in accordance with the terms of the chosen program and contract.
Why should a company take out VMI for employees?
VMI can be used as an additional element of the social package and employee support.
Can I take out VMI for all employees at once?
The possibility and terms of group insurance are determined by the contract and the chosen program.
Can I insure individual employees?
This depends on the terms of the specific program and the insurance contract.
What does the cost of corporate VMI depend on?
The cost may be influenced by the number of employees, the scope of medical coverage, the characteristics of the insured persons, and other terms.
What medical services are included in corporate VMI?
The list is determined by the chosen program and the insurance contract.
Can dentistry be included?
Dental care may be provided for by a separate program or contract terms.
Can diagnostics be included?
Yes, diagnostic services may be included in the program depending on the agreed terms.
Can the list of employees be changed?
The possibility of making changes is determined by the contract terms.
How can an employee use VMI?
The procedure for seeking care is determined by the specific program. The insured person must follow the established procedure for obtaining medical care.
Choose a Corporate VMI Program for Your Employees
Tell the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" how many employees need to be insured and what scope of medical protection you are interested in.
We will help you select a program that meets your organisation's needs.
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