Employee insurance

Accident insurance

The object of insurance is property interests associated with a decrease (temporary or permanent) in income and/or additional expenses due to the loss of the Insured general’s ability to work or the death of the Insured as a result of an accident.

An accident is a sudden physical impact of various external factors (mechanical, thermal, chemical, etc.) on the body of the Insured that occurred during the period of validity of the insurance contract (insurance policy), which occurred against the will of the Insured and led to bodily injuries, violations of physiological functions of body of the Insured or his death. Accidents, for example, include an attack by intruders or animals (including insects, reptiles, and other animals), the fall of any object on the Insured, the fall of the Insured himself, sudden suffocation, sudden poisoning with harmful products or substances, injuries received during movement of means of transport or in case of their accident, when using machines, mechanisms, production tools and all kinds of tools, and others. Also, accidents include the impact of external factors: explosion, burn, cold injury, drowning, electric current, lightning strike, sunstroke, and other external influences.

 

Insurance rate

Insurance coverage	Set by the Insurer
Insurance premium	1,5% to 3,5 %
1. Payment in the event of a disability:	1st group	100% of the insurance coverage for each Insured
	2nd group	75 % of the insurance coverage for each Insured
	3rd group	50 % of the insurance coverage for each Insured
2. In case of death of the insured	In the amount of 100% of the insurance coverage
3. In case of injury	Payments are made according to the Payment table

 

Employee health insurance

The approach to clients chosen by the Insurance Company “Mehnat” allows the company to maintain a stable position in the rating of Voluntary Medical Insurance among insurance companies in Tajikistan for more than 6 years.

Each Insured receives an address-information letter about the content and features of his medical insurance program in medical institutions; Program options and bonuses take into account the age of the client, the conditions and nature of his work; Based on the results of meetings with clients, managers adjust existing programs and develop new programs; Family members of clients have the opportunity to purchase policies at corporate prices; Round-the-clock medical dispatch service of IC “Mehnat” helps the client to solve medical problems, including consultations on non-insurable events.

When receiving high-quality medical services, employees will be grateful to the head of the company for the opportunity for treatment and the correctly defined set of services from the insurance company.

Insurance is a complex service, so the client receives an individually prepared insurance policy, depending on the wishes and financial capabilities of his company.

The insurance company assumes the risks of paying for medical services in an amount exceeding the insurance premium; The interests of the insured are defended not by the insured himself, but by the Insurance Company; We work with more than 20 medical institutions - these are guarantees of a high level of medical care and the possibility of choosing medical institutions; With the current level of competition, the main difference between one insurance company and another is the level of service; We make a package of Voluntary medical insurance depending on the type of activity of a corporate client. Many years of experience confirms the correctness of the chosen tactics (massage can be included in the Voluntary Medical Insurance program for office workers); Организуем «сетевое» обслуживание в нескольких поликлиниках; An experienced doctor-curator in the Department of Voluntary Medical Insurance organizes medical care round-the-clock and controls the quality and timeliness of medical care; Flexible system of discounts for other types of insurance.

The contract of voluntary medical insurance (VMI) is designed to ensure your protection in the event of illness. From the moment it comes into force, all cases of your request for medical assistance provided for by the insurance program become the subject of care of the insurance company.

The main task of the Insurance Company “Mehnat” is to provide high-quality insurance services.

 

Features and benefits of medical insurance in LLC IC “MEHNAT”:

Quality insurance product at an affordable price; The high limit of liability of the Insurer allows you to receive the necessary medical care in full; No age restrictions for individuals when taking on insurance; No deductibles in inpatient care; No restrictions on the number of days of hospital stay; Round-the-clock service for the insured persons, the curator doctor saves time on searching for doctors and making an appointment with the right specialist at a convenient time for the insured person; The medical expert of the insurance company defends the interests and controls the treatment of the insured persons; Strict observance of the confidentiality of information on the terms of insurance and medical secrecy; Opportunity to insure the family and close relatives at a discount; The possibility of paying the insurance premium in installments without any restrictions on treatment and provision of medical services; Optimization of financial costs for treatment and medical services.

 

Price and favorable payment terms

The combination of price - quality and a flexible payment system allow you to get insurance coverage in full, even by making only the first part of the payment. We offer payment in two (within six months) or four (quarterly) installments.

 

Ease of signing a contract

You can send preliminary documents for concluding a VMI agreement to our office by fax, e-mail. In addition, by contacting us you will be able to find out in advance the terms of insurance you are interested in.

 

Additional discounts

There are discounts for family insurance from 3 people.

The object of voluntary medical insurance is the insurance risk associated with the costs of providing medical care in the event of an insurance event.

Under the insurance contract, the Insured has the right to receive medical services provided for by the specific terms of the insurance contract in the medical institutions listed in the appendix to the insurance policy.

An insurance event is an appeal by the Insured to a medical institution from among those provided for by the insurance contract in case of an acute illness, exacerbation of a chronic disease, injury, poisoning and other accidents for receiving consulting, preventive and other assistance requiring the provision of medical services within their list provided for by the insurance contract. An insurance event is an appeal of the Insured to a medical institution during the term of the insurance contract.