Sber and Ingosstrakh: Your DMS

Main article: VHI (Voluntary health insurance)

2021: Launch Your DMS Program

A subsidiary of Sberbank Sberbank Insurance entered the voluntary health insurance (VHI) market. This was announced by the bank on July 21, 2021. In partnership with Ingosstrakh, individual customers are offered the program "Your DMS," which allows them to receive medical care in a large network of clinics throughout Russia.

The Your VHI program can be issued in several minutes in a mobile prilozheniiSberBank Online or on the website "Sberbank of Insurance". A preliminary medical questionnaire is not required when issuing the contract.

The program includes several service packages to select a client. The basic package includes a list of outpatient care services: medical consultations of a therapist and narrow specialists, instrumental and laboratory studies, including PCR diagnostics, physical therapy and massage, as well as home care. The standard package is supplemented by emergency call and inpatient treatment. In addition to all of the above, dentistry is included in the expanded package. The insurance amount for which medical care can be provided to the client is from 2 to 6 million rubles, depending on the selected package.

As of July 2021, more than 5 thousand private and public medical institutions in 83 constituent entities of the Russian Federation are available to customers. You can insure both children (from the moment of birth) and adults (up to 69 years). The cost of the policy depends on the region and the package selected.

The program "Your DMS" provides for co-payment by the client of 20% of the cost of polyclinic and dental services after receiving medical care, which ensures the optimal ratio of the volume of medical services and the cost of the program. Co-payment is made from the customer's bank card, indicated by him when registering in his personal account. Co-payment does not apply to inpatient treatment and ambulance services: insurance companies fully pay for these types of medical care.

{{quote 'author = said Natalya Alymova, senior vice president, head of the Wealth Management block of Sberbank. |

Sberbank Insurance consistently enters market segments that were not previously present. The company has already offered individual customers car insurance and will launch its own OSAGO by the end of 2021. We announce the release of voluntary health insurance - the second largest segment of the risk non-credit insurance market. The main advantages of the "Your DMS" program for customers are high availability in terms of cost, geography, the volume of services covered and the age of the insured, as well as quick online registration of the policy without prior medical questionnaire. Soon it will become even easier and more convenient to conclude a DMS agreement in Sber: in the coming months, in addition to the online channel, we will begin to issue DMS policies in SberBank branches,}}

{{quote 'author = noted Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of Moscow Bank. |

Moscow is the largest voluntary health insurance market in terms of volumes. At the same time, insurance companies operating in this market are mainly focused on servicing large corporate customers. It is not easy for a Muscovite who does not have DMS in the social package from the employer to issue a policy with an optimal ratio of the amount of medical care, the number of clinics available and the cost. The program "Your DMS" is a good example of such a product. I am sure that it will be in great demand among residents of the capital,}}

Шаблон:Quote 'author = specified Dmitry Popov, Deputy General Director for DMS SPAO Ingosstrakh.