How to Choose a VMI Program
Voluntary medical insurance allows you to obtain additional medical protection on terms agreed between the policyholder and the insurance company.
When choosing a program, it is important to consider not only the cost of the policy but also the list of medical services, the procedure for receiving them, the territorial coverage, medical facilities, and other contract terms.
At the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN", specialists will help you select a VMI program tailored to your needs.
What VMI Programs Can Be Considered
A voluntary medical insurance program can be structured taking into account the client category and the required scope of medical care.
VMI for Individuals
The program may be designed for individual insurance of a person.
When selecting, the following are considered:
- the required scope of medical care;
- the desired list of medical services;
- the territorial coverage of the program;
- medical facilities;
- the insurance term;
- other contract terms.
This format suits clients who want to obtain additional medical protection and understand in advance the terms for seeking medical care.
VMI for the Whole Family
Medical insurance can be considered for several family members.
The insurance terms are determined by the contract and the chosen program.
For family insurance, it is especially important to determine in advance:
- the number of insured persons;
- the age of the insured persons;
- the required scope of medical care;
- the list of medical services;
- the terms for seeking medical care.
Corporate VMI
Corporate voluntary medical insurance is designed for organisations that provide employees with additional social protection.
The employer can determine the composition of insured persons and the required scope of coverage in accordance with the corporate program terms.
What a VMI Program May Include
The specific list of services depends on the chosen program and contract terms.
Depending on the insurance program, medical care may include:
Doctor Consultations
Visits to doctors of various specialisations at medical facilities provided for in the program.
Diagnostics
Laboratory and instrumental tests within the limits of the insurance terms.
Outpatient Care
Medical care without hospitalisation in cases stipulated by the contract.
Inpatient Care
Medical care in a hospital setting if the relevant type of care is included in the program.
Emergency Medical Care
The possibility of receiving appropriate medical care in cases provided for by the contract.
Preventive Measures
Certain preventive services may be included in the program depending on the chosen terms.
The VMI Program Is Tailored Individually
There is no universal program that suits every client equally.
For one person, outpatient care and diagnostics may be a priority; for another, a broader scope of medical care may be more important.
For an employer, a corporate program for employees with a specific set of services may be the priority.
Therefore, before concluding a contract, it is important to determine your actual needs and match them against the insurance terms.
What to Consider When Choosing a Program
Before taking out VMI, we recommend clarifying:
1. The List of Medical Services
What types of medical care are included in the program.
2. Medical Facilities
Where the insured person can receive the services provided for in the program.
3. Territorial Coverage
In which regions and medical organisations the insurance protection applies.
4. The Sum Insured
The amount of coverage and the procedure for its application are established by the contract.
5. Exclusions
Which medical services and situations are not covered.
6. The Procedure for Seeking Care
How the insured person should act when medical care is needed.
7. The Validity Period
The period during which the insurance contract is in force.
Why You Should Not Choose VMI Based Solely on Price
The cost of the policy is only one parameter of the program.
Two offers with different prices may differ significantly in:
- the scope of medical care;
- the list of clinics;
- the sum insured;
- territorial coverage;
- restrictions;
- the procedure for arranging medical care.
Therefore, when comparing programs, it is necessary to look at the overall combination of terms, not just the price.
How to Apply for a VMI Program
Step 1. Determine Your Needs
Decide who needs insurance and what scope of medical care is required.
Step 2. Get a Consultation
Contact the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN".
Step 3. Choose a Program
The specialist will tell you about the available options and insurance terms.
Step 4. Agree on the Terms
The list of coverage, the validity period, and other contract parameters are determined.
Step 5. Conclude the Contract
After the terms are agreed, a voluntary medical insurance contract is issued.
What Should Not Be Promised Without Checking the Contract
For VMI, it is particularly important to understand that the availability of a certain medical
direction does not automatically mean that it is paid for by the insurance company.
Specific conditions may depend on:
- the chosen program;
- the insurance contract;
- the sum insured;
- the list of medical services;
- exclusions;
- the medical facility;
- other insurance terms.
Therefore, the final source of information is the insurance contract and the terms of the relevant program.
Frequently Asked Questions
Can I choose a VMI program myself?
Yes, but before taking it out, it is recommended to get a consultation and carefully review the program terms.
Can I choose a program for my family?
The availability of family insurance depends on the available terms and the chosen insurance product.
How does corporate VMI differ from individual VMI?
Corporate VMI is issued for a group of employees of an organisation and allows the employer to determine the insurance terms within the agreed program.
Are medicines included in VMI?
This depends on the specific program and contract terms.
Is dentistry included?
The inclusion of dental services is determined by the terms of the specific program.
Can I get treatment at any clinic?
No. The possibility of receiving medical care is determined by the program terms and the list of medical facilities provided for in the contract.
Can I change the program after the contract is concluded?
The possibility of changing the terms is determined by the contract and the agreed insurance terms.
What determines the cost of the program?
The cost is determined individually, taking into account the chosen scope of coverage and other insurance terms.
Choose Your VMI Program
Don't know which scope of medical insurance is right for you?
Contact the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN". We will tell you about the available options and help you choose a program based on your needs.
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