Medical insurance “Protection of life and health in case of disability and traumatic injury”

The fast pace of our lives, the desire to earn more money for a comfortable life, lead to the fact that we can get into some difficult situation associated with a threat to our health, and sometimes life. This applies to everyone, both adults and children.

We can unexpectedly get injured even while on the street, since there are people who do not think about the safety of others (for example, a car accident). And what can we say about production and industrial enterprises, where safety precautions seem to be observed, but no one is insured against an accident.

Our health and life are also exposed to dangers in everyday life (for example, trips and travels, cycling, home repairs).

The consequences of such situations are stress, injuries, hospitalization for various reasons, that is, our health is at risk. Today, treatment of injuries and diseases is very expensive. Naturally, a reasonable question arises: how to protect yourself and your loved ones from the risks of getting into an unpleasant situation? The MED-HELP Medical Center knows what to offer you! These are three excellent medical insurance programs “Protection of life and health in case of disability and traumatic injury”. It includes three packages LIGHT, STANDART, ELITE, with different conditions. We will tell you more about them below.

Cost of health insurance programs

Program	Price / year	Age	Brief terms and conditions
LIGHT	500 UAH	From 0 to 60 years old	Coverage for accidental injuries confirmed by a doctor’s certificate
STANDARD	1100 UAH	From 10 to 60 years old	LIGHT + expenses for emergency services and treatment (outpatient, inpatient, medication)
ELITE	2300 UAH	From 10 to 60 years old	STANDART + insurance coverage for emergency medical care due to serious illnesses (for example, appendicitis, hypertensive crisis, heart attack)

Who can enter into the Agreement? – Individuals (citizens of Ukraine, non-residents).

Validity of health insurance – 12 months from the date of signing.

Coverage area – all of Ukraine.

Types of Health Insurance Programs

“MED-HELP” offers all interested parties three types of medical insurance “Protection of life and health in case of disability and traumatic injury”.

Reliable financial protection LIGHT (lightweight program)Life protection guarantee. The beneficiary is paid 100% of the insured amount if the insured person dies due to an accident.

Guarantee of protection due to disability:

• immediate payment of 100% of the insured amount if, during the term of the contract, the insured person becomes disabled in Group 1 due to an accident;

• immediate payment of 75% of the insured amount if, during the term of the contract, the insured becomes disabled in the 2nd group due to an accident; *
• immediate payment of 50% of the insured amount if, during the term of the contract, the insured becomes disabled in Group 3 due to an accident.*

Protection in case of traumatic injury. The insured person is paid a set percentage of the insured amount if, during the term of the contract, he/she is injured as a result of an accident.*

More reliable financial protection STANDARD (standard program)

The conditions are similar to the LIGHT program, but additional coverage of expenses for paid medical care (purchase of medicines and consumables, payment for services of medical clinics) has been added.

Life protection guarantee. The beneficiary is paid 100% of the insured amount if the insured person dies due to an accident.

Guarantee of protection due to disability:

• immediate payment of 100% of the insured amount if, during the term of the contract, the insured person becomes disabled in Group 1 due to an accident;
• immediate payment of 75% of the insured amount if, during the term of the contract, the insured becomes disabled in the 2nd group due to an accident; *
• immediate payment of 50% of the insured amount if, during the term of the contract, the insured becomes disabled in Group 3 due to an accident.*

Protection in case of traumatic injury. The insured person is paid a set percentage of the insured amount if, during the term of the contract, he/she is injured as a result of an accident.*

Medical protection due to accidents

Medical services are organized and paid for if the need arises only if an accident occurs: *

• provision of rapid emergency medical care;
• inpatient treatment;
• outpatient medical care;
• provision of medicines.

Attention! Medical services that are not related to the emergency are not paid.

The most reliable financial protection of life and health ELITE (elite program)

Similar conditions as the STANDART program are provided here, but with additional coverage of expenses for paid medical care (purchase of medicines and consumables, payment for services of medical clinics), which arose due to an illness requiring emergency inpatient medical care.

Life protection guarantee. The beneficiary is paid 100% of the insured amount if the insured person dies due to an accident.

Guarantee of protection due to disability:

• immediate payment of 100% of the insured amount if, during the term of the contract, the insured person becomes disabled in Group 1 due to an accident;
• immediate payment of 75% of the insured amount if, during the term of the contract, the insured becomes disabled in the 2nd group due to an accident; *
• immediate payment of 50% of the insured amount if, during the term of the contract, the insured becomes disabled in Group 3 due to an accident.*

Protection in case of traumatic injury. The insured person is paid a set percentage of the insured amount if, during the term of the contract, he/she is injured as a result of an accident.*

Medical protection due to accidents

Medical services are organized and paid for if the need arises only if an accident occurs: *

• provision of rapid emergency medical care;
• inpatient treatment;
• outpatient medical care;
• provision of medicines.

Attention! Medical services that are not related to the emergency are not paid.

Medical protection due to an illness requiring emergency inpatient medical care: *

• provision of rapid emergency medical care;
• emergency medical care in a hospital.

Types of Traumatic Injuries and Insurance Payout Rates

Traumatic injuries	% of the insured amount
Bone fracture	5-35%
Burns	2-35%
Internal organs (ENT, heart, vascular system, gastrointestinal tract, others)	5-80%
Nervous system	5-100%
Organs of hearing, vision, and others	5-100%
Joints	5-40%
Loss of arms, legs, internal organs	40-100%
Soft tissues	10-50%
Spine	5-25%

*The insurance contract remains in effect, but the amount of the insurance sum is reduced by the amount of payments (75%, 50% for disability, the established % in case of injury, respectively).

Why “MED-HELP”?

Our medical center has created all the conditions to provide our regular and potential clients with comfort and attention from medical staff.

Our advantages:

• a wide range of services (registration of insurance, medical certificates, appointments with qualified doctors);
• convenient location;
• several options for payment for services;
• polite, pleasant to talk to, competent medical staff;
• strict confidentiality of client information;
• we always find individual solutions to problems;
• loyal prices.

For all our clients, professional consultant managers are available to give comprehensive answers to any questions. To apply for medical insurance “Protection of life and health in case of disability and traumatic injury”, call the numbers listed on the website or write to e-mail. The answer will not take long to come!