Health insurance for the employees

Services provided at healthcare institutions due to health issues, which are medically justified, include: consultations with family doctors and specialist doctors; tests prescribed by the doctor (laboratory and instrumental); outpatient surgical services; pre-arranged day surgery services.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

INPATIENT TREATMENT IN STATE HOSPITALS:

• Paid services provided during inpatient treatment due to health issues include: single / double room, medical devices, and medications prescribed for treatment during the hospital stay.

ADDITIONAL SERVICES IN STATE HOSPITALS

Paid services provided in a State hospital during inpatient treatment due to health issues include:

• Single / double room during inpatient treatment.

INPATIENT TREATMENT IN PRIVATE HOSPITALS:

• Services provided during inpatient treatment in a private hospital due to health issues include: diagnostic and treatment services, paid room, medical devices, and medications prescribed for treatment during the hospital stay.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Services provided at healthcare institutions related to pregnancy, childbirth, and postpartum care include:

• consultations with family doctors and specialist doctors, tests (laboratory, instrumental, prenatal), and periodic visits and tests for pregnant women;
• genetic consultations and treatment;
• room during childbirth.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Services provided at a dental clinic or healthcare institution include:

• oral hygiene;
• consultations with dentists, oral and maxillofacial surgeons, prescribed tests, and treatment;
• orthodontic, dental, periodontal, and surgical treatment of dental and jaw diseases;
• prosthetic and implant services;
• tooth extraction;
• treatment with dental splints.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Items purchased at pharmacies, online pharmacies, healthcare institutions, and orthopedic goods stores include:

• medications prescribed by a doctor with an ATC code;
• orthopedic devices prescribed by a doctor (braces, insoles, crutches, compression stockings);
• dressings, band-aids, syringes, inhalers, glucometers, and test strips prescribed by a doctor, as well as drops and hearing aids.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Items purchased at pharmacies and online pharmacies include:

• prescription and over-the-counter medications, vitamins, and minerals;
• dietary supplements;
• homeopathic and plant- or animal-based medicinal products.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Services provided at healthcare institutions and optical stores, and items purchased include:

• consultations for selecting optical aids with an ophthalmologist or optometrist;
• corrective glasses;
• contact lenses and contact lens care products;
• vision correction and/or vision preservation surgeries; protective eyewear for computer work.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Services provided at healthcare institutions include:

• preventive health check-ups;
• health checks required for obtaining certificates;
• employee health checks;
• consultations with family doctors;
• consultations with specialist doctors;
• examinations (laboratory and instrumental).

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Services provided at healthcare institutions include:

• vaccinations chosen by the insured or prescribed by a doctor (vaccines);
• vaccination services;
• consultations regarding vaccinations.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

The need for rehabilitation must be determined and prescribed by the specialist doctor who performed the diagnosis (not the physical medicine and rehabilitation doctor – FMR). After making the diagnosis, they provide a recommendation for rehabilitation treatment. The FMR doctor (rehabilitation specialist), after reviewing the medical documentation provided by the treating doctor, prescribes rehabilitation procedures. If the treating doctor prescribes rehabilitation procedures and their quantities within the scope of their competence, without requiring an examination by the FMR doctor (rehabilitation specialist), then an additional consultation with the FMR doctor is no longer necessary.

MEDICAL REHABILITATION

Services provided at a healthcare institution due to a health disorder:

• Consultations with a physical medicine and rehabilitation doctor;
• As prescribed by the specialist doctor: consultations with a physiotherapist, occupational therapist, physiotherapy treatments (ultrasound, microwaves, impulse therapy, magnetotherapy, and other rehabilitation procedures), kinesitherapy, occupational therapy, mud and water treatments, therapeutic massages, halotherapy, manual therapy.

REHABILITATION TREATMENT AFTER 72 HOURS OF HOSPITALIZATION

Services provided at a healthcare institution after being hospitalized for no less than 72 hours due to a health disorder:

• As prescribed by the specialist doctor: consultations with a physiotherapist, occupational therapist, physiotherapy treatments (ultrasound, microwaves, impulse therapy, magnetotherapy, and other rehabilitation procedures), kinesitherapy, occupational therapy, mud and water treatments, therapeutic body massages, halotherapy, manual therapy.

REHABILITATION

Services provided at a healthcare institution due to a health disorder:

• Consultations with a physical medicine and rehabilitation doctor;
• As prescribed by the specialist doctor: consultations with a physiotherapist, occupational therapist, physiotherapy treatments (ultrasound, microwaves, impulse therapy, magnetotherapy, and other rehabilitation procedures), kinesitherapy, occupational therapy, mud and water treatments, therapeutic massages, halotherapy, manual therapy.

MEDICAL WELLNESS

Services provided at a healthcare institution:

• Consultations with a sports medicine doctor, physical medicine and rehabilitation doctor;
• Consultations with a physiotherapist, occupational therapist; physiotherapy treatments (ultrasound, microwaves, impulse therapy, magnetotherapy, and other rehabilitation procedures), kinesitherapy, occupational therapy, mud and water treatments, therapeutic massages, halotherapy, manual therapy;
• Alternative medicine services (endobiogeny, bioresonance testing, phytotherapy, hirudotherapy, etc.).

You can find the health insurance conditions and the terms used in the Health Insurance Rules, and a detailed description of the program along with non-insurable events in Appendix No. 1 of the rules.

Services provided at a personal health care institution:

• consultations with a homeopathic doctor and diagnostic tests prescribed by the doctor;
• consultations with an endobiogenic doctor and diagnostic tests prescribed by the doctor;
• electroacupuncture bioresonance computer diagnostics;
• microbiota tests, SIBO tests;
• food intolerance tests;
• apitherapy;
• acupuncture;
• phytotherapy;
• hirudotherapy;
• hippotherapy;
• osteopathy, manual therapy, applied kinesiology;
• hydrocolonotherapy;
• reflexotherapy;
• color and light therapy, music and art therapy, neurotherapy;
• ozone therapy;
• relaxation therapies: autogenic training, deep breathing therapy, progressive muscle relaxation, meditation.

The terms and conditions of health insurance and the terminology used can be found in the Health Insurance Rules, while the full description of the program and the list of non-insured events are available in Annex No. 1 to the Rules.

Services provided/purchased at healthcare institutions, opticians, or pharmacies:

• doctor consultations;
• tests (laboratory and instrumental);
• surgical procedures;
• dermatological treatment (phototherapy, mole removal, scar/capillary laser treatment, etc.);
• preventive health check-ups;
• vaccinations;
• dental and jaw disease treatment, and oral hygiene;
• medications, vitamins, medical aids (orthopedic products, syringes, bandages, etc.), blood pressure monitors, thermometers, heating pads, glucometers, hearing aids;
• optical products (corrective glasses, corrective contact lenses and lens care products), eye surgeries;
• rehabilitation treatment and physiotherapy services (kinesiotherapy, therapeutic body massages, microwaves, ultrasound, etc.);
• non-traditional medical services (endobiogenics, homeopathy, bioresonance testing, phytotherapy, leech therapy, etc.).

The terms and conditions of health insurance and the terminology used can be found in the Health Insurance Rules, and a detailed description of the program and excluded events can be found in Appendix No. 1 of the rules.

Services provided at SPA centers, sanatoriums, sports clubs, and pools by individuals licensed to provide relevant activities:

• physical activity (sports, dance, physical education, group wellness services), body massages;
• consultations with psychologists and psychotherapy.

Services provided at healthcare institutions:

• consultations with sports medicine doctors, physical medicine, and rehabilitation doctors;
• consultations with physiotherapists, reflexologists, and their services;
• water therapy, physiotherapy, manual therapy, massages, mud treatments;
• body composition analysis and ergonomic posture assessments;
• alternative medicine services (endobiogenics, homeopathy, bioresonance examination, phytotherapy, leech therapy, etc.);
• consultations with psychiatrists, medical psychologists, psychologists, and psychotherapists, as well as the psychotherapy they provide;
• consultations with dietitians and nutrition specialists, creation of nutrition plans.

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.

Services provided at SPA centers, sanatoriums, sports clubs, pools, by individuals licensed to engage in relevant activities:

• physical activity (sports, dance, physical education, group wellness services);
• body massages;
• consultations with psychologists and psychotherapy.

Services provided at healthcare institutions, optical stores, pharmacies, and orthopedic product stores include:

• doctor consultations;
• examinations (laboratory and instrumental);
• surgical procedures;
• dermatological treatment (phototherapy, mole removal, laser treatment, etc.);
• preventive health check-ups;
• vaccinations;
• treatment of dental and jaw diseases and oral hygiene, teeth whitening;
• medicines, vitamins, medical aid products (orthopedic items, syringes, bandages, etc.), blood pressure monitors, thermometers, heating pads, glucometers, hearing aids;
• hygiene products;
• oral care and therapeutic skin and hair care products;
• optical goods (corrective glasses, sunglasses, contact lenses, and lens care products), eye surgery;
• rehabilitation and physiotherapy services (physiotherapy, therapeutic massages, microwaves, etc.);
• alternative medicine services (endobiogenics, bioresonance examination, phytotherapy, leech therapy, etc.).

You can find the terms and definitions of health insurance in the Health Insurance Rules, and a detailed program description along with non-insurable events in Appendix No. 1 of the rules.