Medical services are provided up to 175,000 UAH
Service in top-tier commercial medical clinics
UNIQA's own medical Assistance operates 24/7
Consultations with specialized doctors
Diagnostics and laboratory services
Learn more about health insurance
Voluntary health insurance: what is it?
This is a convenient service: it helps to reduce the costs of treatment, and also to receive high-quality and fast medical care. UNIQA offers such an insurance contract for adults and children, for personal use, families and groups. Our medical insurance for individual clients allows you to receive medical care in the amount of up to 175,000 hryvnias per year, in the best clinics of Ukraine.
What is health insurance like?
There are many health insurance programs - both abroad and in Ukraine.
For example, there is a policy only against an accident. There are life insurance programs with additional health protection - in case of serious illness, disability. In such situations, the client receives a cash payment and can spend it at his discretion: for surgery, treatment or everyday needs. But the most popular service is voluntary health insurance, or DMS.
Its peculiarity is that the insurer fully organizes and pays for the treatment of its clients: it is enough just to call the "hotline" of the insurance company and complain about the symptoms. Such a program allows you to get help with the most frequent health problems: from SARS to injuries. The insurer refers the client to a specialist doctor, pays for diagnostics, consultation and even medicine. It is very convenient.
What does health insurance include?
The advantage of DMS is that such insurance includes all types of medical care: calling an "ambulance" team, diagnostics, payment of medical consultations, treatment in a hospital, purchase of necessary drugs and even dentist services.
Of course, there are some limitations. For example, the client can choose a clinic where it is convenient for him to be treated - but only from the list specified in the insurance program. For example, for the "Prestige" package from UNIQA, it can be expensive branded clinics in Kyiv. But if the client purchased a budget insurance package, he will have to choose a medical institution from the middle price category. Although this limitation is not so important for UNIQA clients: we work with 5,000 clinics throughout Ukraine and will definitely help you choose a good specialist.
What services are not included in the package?
An insurance policy will not help if the client wants to use preventive medical services: for example, to visit his doctor on a regular basis, without complaints. You can get a professional examination under insurance, but only if the check-up is included in the package in advance. Under the DMS program, it is not possible to treat congenital health disorders, old "chronics" and solve aesthetic problems: for example, plastic surgery.
There are also restrictions on medical and wellness procedures - yes, you cannot go to a sanatorium with insurance. All of these treatment options are planned and predictable. So, they are definitely not insurance cases and should not be paid by the insurance company.
Important: pregnancy support also requires a special program, assistance to expectant mothers is not included in the standard DMS package. This is the practice of all insurance companies.
How much does the policy cost?
UNIQA offers three packages of voluntary health insurance: Standard, Classic and Prestige. They differ in the size of the amounts for treatment - from 75 to 175 thousand hryvnias per year, as well as in the level of clinics where we provide medical care for our clients. The standard package has more restrictions: for example, compensation in the amount of 1,000 hryvnias for dentist services. Therefore, it costs from 36 hryvnias per day - like a cup of coffee, but the maximum package will cost twice as much.
Important: each package provides 24/7 medical assistance support and the call of a private ambulance team. Under each of the three programs, we pay for medicines and treatment in an emergency hospital, in case of serious conditions, when operative assistance is required. And these are the main components of a high-quality DMS policy. With it, it is possible not to get sick and to recover faster, we checked :)