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Health

INGOCARE

FOR WHOM IS THE PRODUCT? or WHO CAN BE INSURED?

  • 0-55 years old individuals
  • Citizens of the RA and NKR, as well people with the right to work and live in the RA and NKR.

HOW MUCH IS THE INSURANCE COVERAGE?

The insurance amount, that is the maximum possible compensation in the insurance event is AMD 10 million.

WHERE DOES THE INSURANCE ACT?

The insurance is valid on the territory of RA and NKR, Only those expenses for medical services that are received from licensed and operating medical institutions in the RA, NKR are subject for reimbursement.

WHAT ARE THE TERMS OF THE INSURANCE?

The insurance policy is valid for 1 year.

WHAT ARE THE OPTIONS FOR PAYMENT?

Insurance premium can be paid in one-time or in-term. In case of term payment of the insurance premium the total insurance premium increases.

  • In case of semi-annual payments: 5%
  • In case of quarterly payment: 10%
  • In case of monthly payment: 20%

WHERE CAN YOU SERVED?

Any licensed MC in the territory of RA and NKR

* Take annual preventive examinations in the most up-to-date Vardanants center for innovative medicine, and in the provinces in the regional MC.

HOW CAN YOU GET COMPENSATION?

Call “INGO ARMENIA” ICJSC and we will organize the whole process of compensation, or pay in the MC and then receive a compensation from the Company

**The company cooperates with more than 300 MC-s, in case of applying them You will be refrain from making payments from your pocket.

INGOCARE INCLUDES:

  • Outpatient medical care

An unlimited number of outpatient services are provided, including:

  • Ambulance services:
    • Medical consultations, examinations and treatment,
    • Laboratory examination,
    • Instrumental examination,
    • Medical interventions, including surgical,
    • Treatment of therapeutic diseases that do not require hospital conditions,
    • Emergency and planned outpatient operations,
    • Treatment of infectious diseases / infectious diseases services,
    • Outpatient treatment of mild forms of acute poisoning,
    • Day hospital services,
    • Doctor’s home visit,
    • Laboratory and instrumental studies at home,
    • Round-the-clock medical consultations,
    • Vaccination by decree of the chief epidemiologist of the Ministry of health of the Republic of Armenia,
    • Consulting on the organization of hospitalization, monitoring the progress, conducting the post-field phase,
    • Organization of medical consiliums,
    • Organization of remote medical consultations through medical institutions operating abroad,
    • Ambulance services on an outpatient basis by the ambulance group
  • Out-patient treatment for traumas, frostbites, burns, poisonings, electrical injuries as well as for health deterioration in result of personal accident and inpatient first aid for first 2 hours.

 

  • Dental service
    • Cleaning of tartar (once a year)
    • Management and consultation of tartar
    • 20% discount on other dental services

 

  • Medicine
    • Outpatient medications prescribed by the doctor are reimbursed.

 

  • Preventive medical examination
    • The annual preventive medical examination is conducted once during the term of the contract in the center of innovative medicine “Vardanants”, and in the case of regions-in the order agreed with the insurer by the regional medical centers, in the following volume
    • Specialist consultations
      • General practitioner (pediatrist)
      • Ophthalmologist (including visus test)
    • Laboratory examinations:
      • General blood test with leykoformula
      • Urine general test
      • Glucose analysis
      • Lipide profile
      • PAAP test
      • PSA test (for men over 45)
    • Instrumental examinations:
      • Electrodiagram
      • Ultrasound of abdominal organs and small pelvis
      • Echocardiography
  • Emergency medical care.
    • The following inpatient medical services:
      • Emergency medical care for surgical or therapeutic diseases (including gynecological diseases) in inpatient (in-hospital) conditions, with the exception of oncological, neurosurgical, pregnancy/childbirth cases, or laboratory or instrumental studies conducted in-hospital conditions that did not result in emergency hospitalization,
      • Emergency care for chronic illness exacerbation in inpatient condition
      • Treatment of infectious diseases,
      • Treatment of various types of injuries (fractures, dislocations, wounds, bruises, polytrauma),
      • Treatment of acute internal and external bleeding,
      • Treatment of burns, frostbite, erosion,
      • Treatment of acute poisoning,
      • Treatment of emergency conditions requiring intensive care and resuscitation (which are not included in the state order),
      • Metal structures used in traumatic operations.

The cost of the package by age groups:

0-12 years old 12-18 years old 18-55 years old
129,000 AMD 139,000 AMD 159,000 AMD

SPECIAL OFFER

Together with the package, purchase the services listed below for your family members at a price 40-50% lower than the market price.

*** A wife, spouse, and unmarried children under 27 years of age are considered family members:

Basic +  Family

0-12 years old

12-18 years old

18-55 years old

Coverage of routine inspection 12,000  AMD 19,000  AMD 25,000  AMD

 

BONUS

  • If you have insured two or more members of your family
  • If you have any operating contract in excess of 100,000 AMD in “INGO ARMENIA” (excluding CMTPL)

You will get a 10% discount if you purchase any INGOCARE package.

For additional information on the conditions of insurance, you can call (010) 592121.

HOW TO PURCHASE INGOCARE INSURANCE POLICY?

  • Visit one of the offices or sales points of company
  • Call 010 59 21 21 and invite a specialist to visit a place which is convenient for you.

WHAT YOU WILL NEED TO SIGN THE INSURANCE AGREEMENT?

  • passport and social security number of the assured
  • contact phone numbers
  • e-mail

Rules For Voluntary Health Insurance (only in Armenian)

Medical insurance rates

SOCIAL PACKAGE

The insurance amount under the insurance contract is AMD 10,000,000, which means that the following medical services are available within that amount:

  • Hospital (inpatient) medical care and services,
  • Special and difficult diagnostic examinations on an outpatient basis
  • Outpatient primary care and maintenance of injuries (fractures, dislocations, soft tissue injuries, furrows, etc.),
  • Annual preventive medical examination.

In order to use the mentioned services, including the annual preventive medical examination, you can apply to any healthcare organization included in the list approved by the Ministry of Health of RA decision No. 2621-A of 01/09/2017.

To fully use the services provided by the insurance contract, please refer to the following materials:

If you are insured by the insurance company “INGO ARMENIA”, for more information, as well as to provide information about the insurance incident, you can call 24 hours a day at 010 59 21 21 number. Our operators and medical experts will be happy to answer all your questions.

VOLUNTARY MEDICAL INSURANCE

VOLUNTARY MEDICAL INSURANCE:

  • Increases motivation and productivity of the personnel
  • Creates transparent and stable fund of medical expenses settlement
  • Economies administration of medical expenses

FIVE REASONS WHY I NEED HEALTH INSURANCE:

  • occurrence of various diseases and accidents is poorly predictable with no regard to age or common sense
  • lack of guarantees of in-time access to high quality medical services particularly in emergencies
  • inability to control the quality and volume of required medical services
  • the accelerating rise of costs of medical services which does not correlate with the dynamic of our incomes and predicts at all
  • pursuit of maximal confidence in future and protection of self independence and quality of life

FIVE REASONS WHY I SHOULD GET MY HEALTH INSURANCE POLICY EXACTLY AT “INGO ARMENIA”

  • it’s a pioneering company in national market of voluntary medical insurance
  • there is an opportunity to choose from wide range of precisely designed programs of voluntary medical insurance in accordance with client needs and medical market requirements (List of partners MC):
  • well developed network of partner medical institutions and leading consultants specialists
  • existence of ambulatory assistance center and 24/7 dispatcher desk
  • minimal amount of documentation required for claim processing

If you agree with the above mentioned information, you can entrust to us all the risks concerned with Your most valuable «property» – Your health.

“INGO ARMENIA” is confident in proving the correctness of Your choice!

INSURANCE AGREEMENT

WHAT IS NECESSARY FOR CONCLUSION OF INSURANCE AGREEMENT?

In order to conclude insurance agreement You need to fill in voluntary medical insurance application form, attach the passport copy of the assured and send it to “INGO ARMENIA”.

WHAT IS NECESSARY FOR RENEWAL (PROLONGATION) OF INSURANCE AGREEMENT?

For renewal (prolongation) of insurance agreement, You need to present the passport copy of the assured, previous insurance policy to “INGO ARMENIA” and inform of any changes of data contained in the previous insurance application form.

Product description

Rules For Voluntary Health Insurance (only in Armenian)

Medical insurance rates

 

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