VHI
Concept of collective medical insurance
- Individual approach to each client with the provision of the most optimal system of insurance protection and personal management
- High-quality insurance programs developed on the basis of innovative solutions taking into account knowledge of the insurance market and real needs for insurance
Differentiated approach to the formation of insurance programs
Enterprise management
Maximum level of medical care
Heads of departments, Employees with unique experience
High level of medical care
Workers in hazardous industries
Specialized level of medical care
Other employees
Standard medical care
Family members
Optional
Selecting a program that best meets the client's needs
- Individual approach to each client with the provision of the most optimal system of insurance protection and personal management
- High-quality insurance programs developed on the basis of innovative solutions taking into account knowledge of the insurance market and real needs for insurance
Example of services that can be provided under a voluntary health insurance contract
- Individual approach to each client with the provision of the most optimal system of insurance coverage and personal management
- High-quality insurance programs developed on the basis of innovative solutions taking into account knowledge of the insurance market and real needs for insurance
«ONLINE DOCTOR»
«Online Doctor» is a service with which you can get professional medical advice from anywhere in the world by phone or online from general practitioners and doctors of «narrow» specialties practicing in the best licensed clinics and scientific and practical medical centers of the Russian Federation.
- Individual approach to each client with the provision of the most optimal system of insurance protection and personal management
- High-quality insurance programs developed on the basis of innovative solutions taking into account knowledge of the insurance market and real needs for insurance
Tax benefits for voluntary health insurance
The paid insurance premium under the VHI Agreement is attributed to the expenses of the enterprise and reduces the taxable base
In the amount of no more than 6% of the amount of labor costs, provided that the VHI agreement is concluded for a period of at least 1 year (Article 253 and paragraph 16 of Article 255 of the Tax Code of the Russian Federation)
Paid insurance premium under the VHI Agreement is not subject to the following taxes and insurance premiums:- value added tax - VAT (subparagraph 7 of paragraph 3 of Article 149 of the Tax Code of the Russian Federation)
- personal income tax - personal income tax (subparagraph 3 of Article 213 of the Tax Code of the Russian Federation)
- insurance premiums to off-budget funds - the Pension Fund, the Social Insurance Fund and the Mandatory Medical Insurance Fund (subparagraph 5 of part 1 of Article 422 of the Tax Code of the Russian Federation)
