Voluntary accident insurance.

Insured events are accidents that occurred during the validity of the Insurance Contract and led to:

• temporary disability of the insured person;
• traumatic injury of the insured person or dysfunction of his body;
• permanent working disability of the insured person, reduction of working ability and establishing of disability (or changing the disability group to the highest);
• death of the insured person.

An accident should be considered a sudden, accidental, unpredictable, short-term event, independent from the will of the insured person, which actually took place and as a result of which a health disorder occurred:

• traumatic injury,
• burns,
• frostbite,
• accidental acute poisoning by poisonous plants,
• chemicals (industrial or household),
• substandard foodstuffs, medicines,
• botulism diseases,
• diseases of tick-borne encephalitis,
• poliomyelitis,
• rabies due to an animal bite,
• tetanus of the insured person or his death.

Accidents are also the following events that led to a health disorder or death of the insured person:

• drowning,
• struck by lightning or electric shock,
• bite of animals or poisonous insects, snakes,
• illegal actions of third parties.

LLC “IC” Garant-Pharmamed “offers insurance for any of the cases listed above, or for several at the same time.

The amount of compensation is determined in advance by you, independently choosing one or other insurance amount.

Voluntary accident insurance is a comprehensive protection for yourself and your loved ones against unforeseen expenses related to injury, disability or death.

Medical expenses insurance is a compensation of medical expenses incurred as a result of the provision of medical care and services, as well as additional costs associated with them, caused by the occurrence of an insured event as a result of a sudden illness or an accident that occurred during travel.

Insurance company “Garant-Pharmamed” offers the following medical insurance programs:

Program “A” – “Ambulatory and polyclinic treatment”. On the terms of this program, the Insurer guarantees the payment of the insured amount (its part) by paying the cost of medical care and medical services provided to the Insured person during ambulatory-polyclinic treatment, including treatment in a day hospital;

Program “B” – “Inpatient treatment”. Under the terms of this program, the Insurer guarantees the payment of the insured amount (its part) by paying the cost of medical care and medical services provided to the Insured person during inpatient treatment in general departments and specialized departments of healthcare institutions;

Program “C” – “Emergency Medical Aid”. Under the terms of this program, the Insurer guarantees the payment of the insured amount (its part) by paying the cost of medical care provided to the insured person and consists in the implementation of urgent organizational, diagnostic and therapeutic measures by the employees of the emergency medical care system aimed to save a person’s life in an emergency and minimizing the consequences of such condition on health;

Program “D” – “Insurance for children”. On the terms of this program, the Insurer guarantees the payment of the insured amount (its part) by paying the cost of medical care and medical services to young children aged from birth to 14 years old under the conditions of the chosen insurance program (A, B, C).

The amount of the insurance payment is set depending on:

• the size of the sum insured;
• term of insurance;
• the level of risk and health status;
• selected insurance programs.

Any trip is not only exciting, but also a risky event. To minimize the risk, you need to prepare yourself carefully for the upcoming trip!

Voluntary health insurance

Voluntary medical insurance programs of the IC “Garant- Pharmamed” guarantee the provision and payment of medicare by qualified specialists of various profiles in medical institutions.

Volume and quality of medical care provided to insured persons in health care institutions comply with the clinical protocols for the provision of medical care approved by the Ministry of Health of Ukraine.

Insurance company “Garant-Pharmamed” takes care of your health!

1. PROGRAM «AMBULATORY – POLYCLINIC CARE”

The program guarantees the payment of the insured amount (its part) by paying the cost of medical care and medical services provided to the Insured person during outpatient treatment, including treatment in a day hospital, including:

• conducting laboratory research;
• conducting functional research;
• conducting instrumental research;
• as prescribed by a doctor, carrying out medical manipulations in an outpatient setting: subcutaneous, intramuscular injections using one-time medical instruments;
• with the presence of medical indications, a visit by a family doctor (or a nurse) to a sick house;
• receipt by the Insured person of a sick list (if indicated);
• consultations on a healthy lifestyle, sanitary and hygienic safety, disease prevention, family and marriage;

* Compensation by the insurance company (or its absence) of the costs of medicines and medical supplies is determined in the voluntary medical insurance contract.

2. PROGRAM “STATIONARY HELP”

The program guarantees the payment of the insured amount (its part) by paying the cost of medical care and medical services provided to the Insured person during stationary treatment in general departments and specialized departments:

• the necessary conservative and (or) surgical treatment by highly qualified doctors using modern methods of diagnosis and treatment;
• performance of all invasive manipulations with only one-time instruments;

3. PROGRAM “EMERGENCY MEDICAL CARE”

The program guarantees the provision of emergency medical care at the place of call and hospitalization in a basic medical institution by emergency (ambulance) medical care teams 24/7, as well as payment for the necessary medical care provided.

4. PROGRAM “COMPREHENSIVE MEDICAL CARE”.

The program guarantees payment and provision of medical care according to the programs:

• “Ambulatory and polyclinic care”,
• “Stationary assistance”,
• “Emergency medical care”.

Within the Comprehensive Medical Care program, organization and payment for emergency dental care services is guaranteed.

Insurance company “Garant-Pharmamed” takes care of your health!

INSURANCE AGAINST COVID-19

The coronavirus disease pandemic caused by SARS-Cov-2 virus has shown how important it is to take care of health and well-being of yourself and your loved ones, to comply with measures of prevention and spread the virus, and to stay alive and well.

It is impossible to predict the duration of the current pandemic and the scale of affected population by COVID-19. Regardless of our desire – we are all at risk.

Taking care of our clients, Insurance Company “Garant- Pharmamed” as part of a partnership program with Insurance Company “Arsenal Insurance”, offers insurance programs against coronavirus COVID-19, which guarantee financial protection and support in case of infection with SARS-CoV-2 coronavirus, ICD-10 code: U07.1 2019-nCoV (COVID-19).

When entering Ukraine a health insurance policy is required for foreign citizens (non-residents) to cover the cost of treatment for COVID-19. Medical insurance of foreigners against coronavirus is a universal way of providing foreign citizens with medical care in Ukraine.

Insurance company “Garant-Pharmamed”, as part of a partnership program with the Insurance company “Arsenal Insurance”, offers insurance for foreign citizens to enter Ukraine. The insurance program supplies the provision of emergency medical care and Emergency hospital care.

The contract is valid for three months.

The sum insured under the contract is UAH 20,000.00.

The insurance payment is UAH 1,500.00 and is paid by the insured in a one time in the amount of 100%.

Territory of the insurance agreement: Ukraine, except for Donetsk and Lugansk regions of Ukraine, Crimea, zones of military operations and armed conflicts.

An insured event is an appeal of the Insured during the validity of the insurance contract to a medical institution regarding an acute illness with the SARS-CoV-2 coronavirus, ICD-10 code: U07.1 2019-nCoV (COVID-19), which began and occurred after the entry into force of the insurance contract. COVID-19 disease must be confirmed.

Insurance against the coronavirus COVID-19 is an an absolute must, which guarantees financial security and helps to get comprehensive medical care.

Insurance company “Garant-Pharmamed”, within the partnership program with Insurance company “Arsenal Insurance”, offers four insurance programs for groups with different types of insurance risks coverage and depending on the size of the team.

Territory of the insurance agreement: Ukraine, except for Donetsk and Lugansk regions of Ukraine, Crimea, zones of military operations and armed conflicts.

The insurance payment is paid by the insured in a one time in the amount of 100%.

PROGRAM “A”

The program covers hospitalization in case of severe illness.

The sum insured in case of hospitalization is UAH 25,000.00.

The contract is valid for 182 days.

Insurance payment depending on the number of employees:

PROGRAM “B”

The program covers hospitalization in case of severe illness or death of an employee.

The sum insured in case of hospitalization is UAH 25,000.00, in case of death – UAH 100,000.00.

The contract is valid for 182 days.

Insurance payment depending on the number of employees:

PROGRAM “C”

The program covers hospitalization in case of severe illness, death of an employee, and pneumonia (in case of inpatient treatment).

The sum insured in case of hospitalization is UAH 25,000.00, in case of death – UAH 100,000.00, in case of stationary treatment of pneumonia – UAH 10,000.00.

The contract is valid for 182 days.

Insurance payment depending on the number of employees:

PROGRAM “D”

The program covers hospitalization in case of severe illness, death of an employee, and pneumonia (in case of stationery and ambulatory treatment).

The sum insured in case of hospitalization is UAH 25,000.00, in case of death – UAH 100,000.00, in case of stationery treatment of pneumonia – UAH 10,000.00, in case of ambulatory pneumonia treatment – UAH 5,000.00.

The contract is valid for 182 days.

Insurance payment depending on the number of employees:

Insurance of your team will protect you against the risks associated with COVID-19.