All appeals under voluntary medical insurance policies (VHI) are covered, except when the appeal is related to an injury directly related to war, hostilities, exposure to weapons, ammunition, according to the insurer’s website.
At the same time, it is emphasized that VHI agreements are valid only on the territory of Ukraine, therefore, in order to receive medical care abroad, clients are advised to purchase an insurance policy for travelers abroad.
According to the report, ARX medical assistance works as usual, around the clock. Its employees provide recommendations based on the terms of insurance contracts, organize assistance, visit a doctor, provide medicines, and teleconsultations.
“However, we ask clients to be understanding of possible delays in the organization of medical services, since the medical system, especially private clinics, is now also working in a situation of heavy workload and, in some cases, in a situation of staff shortages. In addition, in some regions, for security reasons or changing the profile, some of our partners have suspended the provision of services or limited certain services,” the message says.
In addition, the company has significantly expanded the opportunities for the insured to receive compensation in case of independent organization of medical services and their payment. The term for receiving compensation can reach 2-3 business days.
According to the report, in areas with active hostilities – Kharkiv, Chernihiv, Sumy, Mariupol or with a difficult security situation – all partners of the company have suspended the provision of services due to a lack of staff on the ground and for security reasons.
All medical services in Western Ukraine, as well as Odessa, Dnipro are provided without restrictions on the basis of the company’s partners. There are difficulties with calling an ambulance, due to the heavy workload. Pharmacy chains limit the opening hours of pharmacies in accordance with curfew restrictions and in general.
In Kyiv, almost all partners of the company work as usual, but subject to restrictions for security reasons and curfews. There may be difficulties with calling an ambulance, both private and 103.
In connection with the re-profiling of hospitals, there are difficulties with the organization of planned hospitalization. A large number of doctors work remotely, so it may be difficult to organize face-to-face appointments with doctors of narrow specialties at a time and place convenient for the client.
IC “ARX” has been operating in the insurance market for 26 years. According to the company, it is the leader in CASCO insurance for the 12th year in a row. It ranks first among Ukrainian insurers in terms of net insurance premiums and net insurance payments for 2019. It is part of the international insurance holding Fairfax Financial Holdings Limited (Canada).
