obzor rynka dobrovol_nogo_medicinskogo_strahovaniya
TRANSCRIPT
ɇȿɁȺȼɂɋɂɆɕɃ ɐȿɇɌɊ ɋɌɊȺɌȿȽɂɑȿɋɄɂɏ ɂɋɋɅȿȾɈȼȺɇɂɃ ɊɕɇɄȺ ɋɌɊȺɏɈȼȺɇɂə FINASSIST
FinAssist Independent Center for Strategic Insurance Market Research
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
Voluntary health insurance market overview
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 2
ɈɝɥɚɜɥɟɧɢɟTable of contents
ɈɋɇɈȼɇɕȿ ȼɂȾɕ ɉȺɄȿɌɈȼ ȾɆɋ ............................................................................... 5�
BASIC VHI PACKAGES ......................................................................................................... 5�
ȾɆɋ ɂ ɄɊɂɁɂɋ: ɄȺɄɂȿ ɉɊɈɂɁɈɒɅɂ ɂɁɆȿɇȿɇɂə ............................................. 5�
VHI AND THE CRISIS: CHANGES THAT TOOK PLACE .............................................. 5�
ɋɈɋɌȺȼ ɈɋɇɈȼɇɕɏ ɉȺɄȿɌɈȼ (THE CONTENTS OF THE BASIC PACKAGES)8�
ȻȺɁɈȼɕɃ ................................................................................................................................ 8�
ȾȿɌɋɄɂɃ................................................................................................................................. 9�
ȻȿɊȿɆȿɇɇɈɋɌɖ ɂ ɊɈȾɕ ............................................................................................... 10�
ɈɋɈȻȿɇɇɈɋɌɂ ɉȺɄȿɌɈȼ – ɇȺ ɑɌɈ ɈȻɊȺɌɂɌɖ ȼɇɂɆȺɇɂȿ .......................... 10�
PACKAGE FEATURES – THINGS TO PAY ATTENTION TO ...................................... 10�
ɈɋɇɈȼɇɕȿ ɂɋɄɅɘɑȿɇɂə ɂɁ ɋɌɊȺɏɈȼɕɏ ɋɅɍɑȺȿȼ .................................... 10�
THE MAIN INSURANCE EXCLUSIONS ARE AS FOLLOWS ...................................... 10�
ɉɊɂɅɈɀȿɇɂȿ 1. ɈȻɓɂɃ ɉȿɊȿɑȿɇɖ ɄɈɆɉȺɇɂɃ, ɊȺȻɈɌȺɘɓɂɏ ɇȺ ɊɕɇɄȿ ȾɆɋ ɂ ɂɏ ɋȻɈɊɕ ȼ 1 ɄȼȺɊɌȺɅȿ 2010 Ƚ. ................................................................... 13�
APPENDIX 1. THE TOTAL LIST OF COMPANIES OPERATING IN THE VHI MARKET AND THEIR CHARGES IN THE 1ST QUARTER OF 2010 ............................................. 13�
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 3
ǵȍȏȈȊȐșȐȔȣȑ ȞȍȕȚȘ șȚȘȈȚȍȋȐȟȍșȒȐȝ ȐșșȓȍȌȖȊȈȕȐȑ ȘȣȕȒȈ șȚȘȈȝȖȊȈȕȐȧ FinAssist ȗȘȍȌșȚȈȊȓȧȍȚ ȖȉȏȖȘ ȘȣȕȒȈ ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ (ǬǴǹ). Ǫ ȥȚȖȔ ȖȉȏȖȘȍ șȖȉȘȈȕȈ ȐȕȜȖȘȔȈȞȐȧ, ȒȖȚȖȘȈȧ ȗȖȔȖȎȍȚ ȓțȟȠȍ ȗȖȕȧȚȤ ȥȚȖȚ șȍȒȚȖȘ șȚȘȈȝȖȊȈȕȐȧ: ȒȈȒȐȍ șȚȘȈȝȖȊȣȍ ȒȖȔȗȈȕȐȐ ȗȘȍȌȖșȚȈȊȓȧȦȚ țșȓțȋȐ ȗȖ ǬǴǹ, ȒȚȖ Ȑȏ ȕȐȝ ȧȊȓȧȍȚșȧ ȓȐȌȍȘȖȔ, ȒȈȒȖȊȈ șȚȖȐȔȖșȚȤ Ȑ șȖșȚȈȊ ȖșȕȖȊȕȣȝ ȗȘȍȌȓȖȎȍȕȐȑ ȗȖ ǬǴǹ? Ǫ ȌȈȕȕȖȔ ȐșșȓȍȌȖȊȈȕȐȐ ȚȈȒȎȍ ȗȘȍȌșȚȈȊȓȍȕ ȗȍȘȍȟȍȕȤ ȖșȕȖȊȕȣȝ «ȗȖȌȊȖȌȕȣȝ ȒȈȔȕȍȑ», ȕȈ ȒȖȚȖȘȣȍ ȕȈȌȖ ȖȉȘȈȚȐȚȤ ȊȕȐȔȈȕȐȍ ȗȘȐ ȏȈȒȓȦȟȍȕȐȐ ȌȖȋȖȊȖȘȖȊ ȗȖ ǬǴǹ. Ǫ ȏȈȊȍȘȠȈȦȡȍȑ ȟȈșȚȐ ȖȉȏȖȘȈ ȗȘȐȊȍȌȍȕȈ ȐȕȜȖȘȔȈȞȐȧ Ȗ ȚȖȔ, ȒȈȒȐȍ ȐȏȔȍȕȍȕȐȧ ȗȘȍȚȍȘȗȍȓ ȘȣȕȖȒ ǬǴǹ Ȋ ȒȘȐȏȐș, Ȑ ȒȈȒȐȍ ȕȖȊȣȍ ȊȖȏȔȖȎȕȖșȚȐ ȗȖȧȊȐȓȐșȤ. ǵȈȌȍȍȔșȧ, ȟȚȖ ȥȚȖȚ ȖȉȏȖȘ ȗȖșȓțȎȐȚ ǪȈȔ ȗțȚȍȊȖȌȐȚȍȓȍȔ ȗȖ ȘȣȕȒț ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ Ȑ ȗȖȔȖȎȍȚ ȓțȟȠȍ șȖȘȐȍȕȚȐȘȖȊȈȚȤșȧ Ȋ Țȍȝ ȔȕȖȋȖȟȐșȓȍȕȕȣȝ ȗȘȍȌȓȖȎȍȕȐȧȝ, ȒȖȚȖȘȣȍ ȕȈ ȕȍȔ ȗȘȍȌșȚȈȊȓȍȕȣ.
The FinAssist Independent Center for Strategic Insurance Market Research presents an overview of the market for voluntary health insurance (VHI). This research work features the information that will help to better understand this branch of the insurance industry, namely the insurance companies that provide VHI services, market leaders, prices and the coverage of major VHI offers. The study also presents a list of major "pitfalls" to note when concluding VHI contracts. The final part of the review provides information on what changes the VHI market has undergone during the crisis, and what new opportunities it came up with. We hope that this overview will become your guide to the VHI market and help you to better orient in its numerous offers.�
ǞǬǭǷǴȂǬ 1. ǚǽǹǺǮǹȇDZ ǴǯǼǺǶǴ, ǺǭȆDZǸ ǼȇǹǶǬ Table 1. Main players, market size ǝǾǼǬȁǺǮǬȋ ǶǺǸǻǬǹǴȋ
ǏǺǼǺǰ ǝǭǺǼȇ ǻǺ ǐǘǝ *
ǝǚǏnjǓ ǘǺǽǶǮǬ 11 310 432
ǜǚǝǙǚ ǘǺǽǶǮǬ 3 256 200
njǗǨǠnjǝǞǜnjǡǚǎnjǙǔǑ ǘǺǽǶǮǬ 1 964 002
ǔǙǏǚǝǝǞǜnjǡ ǘǺǽǶǮǬ 1 840 364
ǜǑǝǚ-ǏnjǜnjǙǞǔǫ ǘǺǽǶǮǬ 1 668 151
ǒnjǝǚ ǘǺǽǶǮǬ 1 492 442
ǞǜnjǙǝǙǑǠǞǨ ǘǺǽǶǮǬ 1 422 414
ǝǟǜǏǟǞǙǑǠǞǑǏnjǓ ǝǿǼǯǿǾ 1 213 622
ǖnjǛǔǞnjǗ ǝǞǜnjǡǚǎnjǙǔǑ ǖǺǯǬǷȇǸ 1 119 308
ǘnjǖǝ ǘǺǽǶǮǬ 1 005 911 ǎǚǑǙǙǚ-ǝǞǜnjǡǚǎnjǫ ǖǚǘǛnjǙǔǫ ǘǺǽǶǮǬ 875 865
ǎǽDZǯǺ ǻǺ ǼȇǹǶǿ ǐǘǝ 38 494 678 *- 1 ȒȊȈȘȚȈȓ 2010 ȋȖȌȈ, Țȣș. Șțȉ. ǷȖ ȌȈȕȕȣȔ Ǽǹǹǵ.
Insurance company City VHI charges *
Sogaz Moscow 11 310 432
ROSNO Moscow 3 256 200
AlfaStrahovanie Moscow 1 964 002
INGOSSTRAKH Moscow 1 840 364
RESO-Garantia Moscow 1 668 151
ZHASO Moscow 1 492 442
Transneft Moscow 1 422 414
Surgutneftegas Surgut 1 213 622
Kapital Insurance Kogalym 1 119 308
MAKS Insurance Moscow 1 005 911
VSK Insurance Company Moscow 875 865
In all on the market of VHI 38 494 678
*- 1 quarter of 2010, thousand rubles, according to FSIS.
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 4
ǬȖȓȐ ȖșȕȖȊȕȣȝ ȐȋȘȖȒȖȊ (Shares of major players)
1 ȒȊȈȘȚȈȓ 2010 ȋȖȌȈ, ȗȖ ȌȈȕȕȣȔ Ǽǹǹǵ. dzȐȌȍȘȣ ȏȈȕȐȔȈȦȚ ȉȖȓȍȍ 70% ȘȣȕȒȈ.
1st quarter of 2010, according to FSIS. Leaders possess more than 70 per cent of the market.
ǬǴǹ - șȈȔȣȑ ȗȖȗțȓȧȘȕȣȑ ȊȐȌ șȚȘȈȝȖȊȈȕȐȧ Ȋ ǸǼ (ȗȖ ȖȉȢȍȔȈȔ șȉȖȘȖȊ) VHI - the most popular type of insurance in Russia (in terms of the volume of charges)
ǬȖȓȧ șȉȖȘȖȊ șȚȘȈȝȖȊȣȝ ȗȘȍȔȐȑ, ȗȘȐȝȖȌȧȡȐȝșȧ ȕȈ ȘȈȏȓȐȟȕȣȍ ȊȐȌȣ șȚȘȈȝȖȊȈȕȐȧ Ȋ 1 ȒȊȈȘȚȈȓȍ 2010 ȋȖȌȈ (ȗȖ ȌȈȕȕȣȔ Ǽǹǹǵ). 26% ȊșȍȋȖ ȘȣȕȒȈ șȚȘȈȝȖȊȈȕȐȧ (ȒȘȖȔȍ ȖȉȧȏȈȚȍȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ) ȗȘȐȝȖȌȐȚșȧ ȕȈ ǬǴǹ.
The share of insurance premium charges, attributable to various types of insurance in the 1st quarter of 2010 (according to FSIS). 26 per cent of the total insurance market (except for compulsory health insurance) are accounted for VHI.
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 5
Ɉɫɧɨɜɧɵɟ ɜɢɞɵ ɩɚɤɟɬɨɜ ȾɆɋ ǬǴǹ Ȋ ȉȖȓȤȠȐȕșȚȊȍ șȓțȟȈȍȊ ȗȘȍȌșȚȈȊȓȧȍȚ Ȑȏ șȍȉȧ ȕȈȉȖȘ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ (ȗȈȒȍȚ), ȖȘȐȍȕȚȐȘȖȊȈȕȕȣȑ ȕȈ ȖȗȘȍȌȍȓȍȕȕțȦ ȒȈȚȍȋȖȘȐȦ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ ȓȦȌȍȑ. ǷȈȒȍȚȣ ȔȖȋțȚ ȘȈȏȓȐȟȈȚȤșȧ ȗȖ ȕȈȉȖȘț țșȓțȋ, ȗȖ ȗȘȍȌȖșȚȈȊȓȧȍȔȖȔț ȖȉȢȍȔț țșȓțȋ, ȗȖ ȚȍȘȘȐȚȖȘȐȐ ȌȍȑșȚȊȐȧ ȗȖȓȐșȈ, ȗȖ ȊȖȏȘȈșȚț ȏȈșȚȘȈȝȖȊȈȕȕȣȝ ȓȐȞ Ȑ Ț.Ȍ. ǞǬǭǷǴȂǬ 2. ǚǽǹǺǮǹȇDZ ǮǴǰȇ ǻǬǶDZǾǺǮ ǐǘǝ ǷȈȒȍȚ ǺȐȗȖȊȖȍ șȖȌȍȘȎȈȕȐȍ ǶȘȐȍȕȚȐȘȖ
ȊȖȟȕȈȧ ȞȍȕȈ
ǩȈȏȖȊȣȑ ǴȍȌȐȞȐȕșȒȖȍ șȚȘȈȝȖȊȈȕȐȍ ȊȏȘȖșȓȖȋȖ ȟȍȓȖȊȍȒȈ Ȋ ȊȖȏȘȈșȚȍ 18-60 ȓȍȚ. ǶȉȣȟȕȖ ȊȒȓȦȟȈȍȚ ȊȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ, ȈȔȉțȓȈȚȖȘȕȖȍ ȓȍȟȍȕȐȍ, ȋȖșȗȐȚȈȓȐȏȈȞȐȦ, ȕȍȖȚȓȖȎȕțȦ ȔȍȌȐȞȐȕșȒțȦ ȗȖȔȖȡȤ, șȚȖȔȈȚȖȓȖȋȐȟȍșȒțȦ ȗȖȔȖȡȤ (ș ȘȧȌȖȔ ȐșȒȓȦȟȍȕȐȑ).
30-40 Țȣș. Șțȉ ȕȈ ȟȍȓȖȊȍȒȈ Ȋ ȋȖȌ
ǬȍȚșȒȐȑ ǹȚȘȈȝȖȊȈȕȐȍ ȌȍȚȍȑ Ȋ ȊȖȏȘȈșȚȍ ȖȚ 0 ȌȖ 1 ȋȖȌȈ, ȖȚ 1 ȌȖ 3 ȓȍȚ, ȖȚ 3 ȌȖ 18 ȓȍȚ. ǪȒȓȦȟȈȍȚ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ, ȓȈȉȖȘȈȚȖȘȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȓȍȟȍȉȕȣȍ ȗȘȖȞȍȌțȘȣ, ȕȍȖȚȓȖȎȕțȦ ȔȍȌȐȞȐȕșȒțȦ ȗȖȔȖȡȤ, șȚȖȔȈȚȖȓȖȋȐȟȍșȒțȦ ȗȖȔȖȡȤ (ș ȘȧȌȖȔ ȐșȒȓȦȟȍȕȐȑ), ȋȖșȗȐȚȈȓȐȏȈȞȐȦ, ȊȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ.
50-60 Țȣș. Șțȉȓȍȑ
ǩȍȘȍȔȍȕȕȖșȚȤ Ȑ ȘȖȌȣ
ǷȘȖȋȘȈȔȔȈ ȗȘȍȌțșȔȈȚȘȐȊȈȍȚ ȗȘȖȊȍȌȍȕȐȍ ȒȖȔȗȓȍȒșȕȖȋȖ ȖȉșȓȍȌȖȊȈȕȐȧ Ȑ ȕȈȉȓȦȌȍȕȐȧ ȎȍȕȡȐȕ ȕȈ ȓȦȉȖȔ șȘȖȒȍ ȉȍȘȍȔȍȕȕȖșȚȐ ȗȍȘșȖȕȈȓȤȕȣȔ ȊȘȈȟȖȔ ȈȒțȠȍȘȖȔ-ȋȐȕȍȒȖȓȖȋȖȔ.
36-162 Țȣș. Șțȉȓȍȑ
ǹȚȖȔȈȚȖȓȖȋȐȧ ǪȒȓȦȟȈȍȚ ȚȖȓȤȒȖ șȚȖȔȈȚȖȓȖȋȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ. ǶȉȣȟȕȖ Ȋ ȉȖȓȤȠȍȔ ȖȉȢȍȔȍ, ȟȍȔ Ȋ ȉȈȏȖȊȖȔ ȗȈȒȍȚȍ.
2-25 Țȣș. Șțȉȓȍȑ
ǪȣȍȏȎȈȦȡȐȝ ȏȈ ȘțȉȍȎ
ǹȚȘȈȝȖȊȈȕȐȍ ȚțȘȐșȚȖȊ. ǴȍȌȐȞȐȕșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ ȗȘȐ ȏȈȘțȉȍȎȕȣȝ ȗȖȍȏȌȒȈȝ Ȋ șȓțȟȈȍ ȉȖȓȍȏȕȐ Ȑ ȚȘȈȊȔ.
ǶȚ 1 ȍȊȘȖ ȕȈ ȟȍȓȖȊȍȒȈ Ȋ ȌȍȕȤ
ǹȗȍȞȐȈȓȤȕȣȍ ǹȚȘȈȝȖȊȈȕȐȍ șȗȖȘȚșȔȍȕȖȊ, ȊȖȌȐȚȍȓȍȑ, ȥȒșȚȘȍȔȈȓȖȊ.
ǰȕȌȐȊȐȌțȈȓȤȕȖ
Basic VHI packages In most cases VHI is a set (package) of medical services focused on a particular category of insured persons. Packages can vary in terms of service range, offered service volume, policy territory, age of insured persons, etc. Table 2. Basic VHI packages
Package Typical contents Approximate price
Basic Package Health insurance for adults aged 18-60 years. Usually includes doctor’s visits, outpatient treatment, hospitalization, emergency care, dental care (with some exceptions).
30-40 thousand rubles per person per year
Child Package Insurance for children aged 0 to 1 year, 1 to 3 years, 3 to 18 years. Includes outpatient treatment, laboratory and diagnostic tests, treatment procedures, emergency care, dental care (with some exceptions), hospitalization, doctor’s visits.
50-60 thousand rubles
Pregnancy and labor
This program provides for a comprehensive survey and monitoring women at any stage of pregnancy personal by an obstetrician-gynecologist.
36-162 thousand rubles
Dentistry Includes only dental care. Typically, to a greater extent than in the base package.
2-25 thousand rubles
Travel packages
Tourist insurance. Medical care in foreign journeys in the event of illness or injury.
From 1 euro per person per day
Special packages
Insurance for athletes, drivers, extreme sportsmen.
Ƕn a case-by-case basis
ȾɆɋ ɢ ɤɪɢɡɢɫ: ɤɚɤɢɟ ɩɪɨɢɡɨɲɥɢɢɡɦɟɧɟɧɢɹ1 Ǫ 2009 ȋ. 11% ȘȖșșȐȑșȒȐȝ ȒȖȔȗȈȕȐȑ șȖȒȘȈȚȐȓȐ ȉȦȌȎȍȚȣ ȗȘȖȋȘȈȔȔ ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ (ǬǴǹ) șȖȚȘțȌȕȐȒȖȊ ȏȈ șȟȍȚ ȖȚȌȍȓȤȕȣȝ ȒȈȚȍȋȖȘȐȑ ȗȍȘșȖȕȈȓȈ, 24% țȔȍȕȤȠȐȓȐ șȚȖȐȔȖșȚȤ ȗȖȓȐșȖȊ ǬǴǹ ȊșȍȔ șȖȚȘțȌȕȐȒȈȔ, 65% ȘȈȉȖȚȖȌȈȚȍȓȍȑ ȕȍ ȗȍȘȍșȔȈȚȘȐȊȈȓȐ ȉȦȌȎȍȚ ȕȈ ǬǴǹ, țȚȊȍȘȎȌȈȦȚ șȗȍȞȐȈȓȐșȚȣ
VHI and the crisis: changes that took place2
In 2009, 11 per cent of Russian companies reduced the budgets of employee voluntary health insurance (VHI) programs at the expense of certain categories of staff, 24 per cent reduced the cost of health insurance policies to all employees, 65 per cent of employers didn’t change their VHI budget, according to the specialists from Renaissance Insurance and HeadHunter who surveyed the
1 ɉɨ ɦɚɬɟɪɢɚɥɚɦ ɝɚɡɟɬɵ «ȼɟɞɨɦɨɫɬɢ» 2 According to Vedomosti newspaper
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 6
«ǸȍȕȍșșȈȕș șȚȘȈȝȖȊȈȕȐȧ» Ȑ HeadHunter, ȖȗȘȖșȐȊ ȔȍȕȍȌȎȍȘȖȊ 424 ȔȈȓȣȝ, șȘȍȌȕȐȝ Ȑ ȒȘțȗȕȣȝ ȒȖȔȗȈȕȐȑ ȘȈȏȓȐȟȕȣȝ șȍȒȚȖȘȖȊ ȉȐȏȕȍșȈ.
managers of 424 small, medium and large companies in various business sectors.
ǝǺǶǼǬȅDZǹǴDZ ǭȊǰDzDZǾǬ ǹǬ ǐǘǝ ǞǬǭǷǴȂǬ 3. ǎ dzǬǮǴǽǴǸǺǽǾǴ ǺǾ ǽȀDZǼȇ ǰDZȋǾDZǷȈǹǺǽǾǴ ǶǺǸǻǬǹǴǴ ǙǬ ǽǶǺǷȈǶǺ
ǽǺǶǼǬǾǴǷǽȋ ǭȊǰDzDZǾ ǹǬ ǸDZǰǴȂǴǹǽǶǺDZ ǽǾǼǬȁǺǮǬǹǴDZ?
ǛǼǺǸȇȄǷDZǹǹǺǽǾȈ, ǽǾǼǺǴǾDZǷȈǽǾǮǺ Ǵ ǾǼǬǹǽǻǺǼǾ
ǝǮȋdzȈ, ǴǹȀǺǼǸǬȂǴǺǹǹȇDZ ǾDZȁǹǺǷǺǯǴǴ
ǞǺǼǯǺǮǷȋ, ǺǭȅDZǽǾǮDZǹǹǺDZ ǻǴǾǬǹǴDZ, ǭȇǾǺǮǺDZ ǺǭǽǷǿDzǴǮǬǹǴDZ
ǠǴǹǬǹǽȇ, ǶǼDZǰǴǾǺǮǬǹǴDZ, ǽǾǼǬȁǺǮǬǹǴDZ
ǐǼǿǯǺDZ
ǚǽǾǬǷǽȋ ǹǬ ǿǼǺǮǹDZ 2008 ǯǺǰǬ
17% 43% 14% 23% 29%
ǝǺǶǼǬǾǴǷǽȋ ǸDZǹDZDZ ȃDZǸ ǹǬ 20%
67% 43% 43% 38% 47%
ǝǺǶǼǬǾǴǷǽȋ ǭǺǷDZDZ ȃDZǸ ǹǬ 20%
17% 14% 43% 38% 24%
ǔǾǺǯǺ 100% 100% 100% 100% 100%
ǝǺǶǼǬȅDZǹǴDZ ǭȊǰDzDZǾǬ ǹǬ ǐǘǝ ǞǬǭǷǴȂǬ 4. dzǬǮǴǽǴǸǺǽǾǴ ǺǾ ȃǴǽǷDZǹǹǺǽǾǴ ǻDZǼǽǺǹǬǷǬ ǵȈ șȒȖȓȤȒȖ șȖȒȘȈȚȐȓșȧ ȉȦȌȎȍȚ ȕȈ ȔȍȌȐȞȐȕșȒȖȍ șȚȘȈȝȖȊȈȕȐȍ?
ǬȖ 50 ȟȍȓȖȊȍȒ
ǶȚ 50 ȌȖ 100
ǶȚ 100 ȌȖ 300
ǶȚ 300 ȌȖ 1000
ǩȖȓȤȠȍ 1000
ǶșȚȈȓșȧ ȕȈ țȘȖȊȕȍ 2008
38% 20% 11% 38% 17%
ǹȖȒȘȈȚȐȓșȧ Ȕȍȕȍȍ ȟȍȔ ȕȈ 20%
38% 20% 44% 50% 58%
ǹȖȒȘȈȚȐȓșȧ ȉȖȓȍȍ ȟȍȔ ȕȈ 20%
44% 60% 25% 13% 25%
ǰȚȖȋȖ 100% 100% 100% 100% 100%
ǰȏ Țȍȝ ȘȈȉȖȚȖȌȈȚȍȓȍȑ, ȒȚȖ ȊȣȕțȎȌȍȕ ȉȣȓ șȖȒȘȈȚȐȚȤ ȉȦȌȎȍȚ ȏȈ șȟȍȚ ǬǴǹ, 14% șȌȍȓȈȓȐ ȥȚȖ, șȖȒȘȈȚȐȊ ȟȐșȓȖ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ, 59% ȐșȒȓȦȟȐȓȐ Ȑȏ șȊȖȐȝ șȚȘȈȝȖȊȣȝ ȗȘȖȋȘȈȔȔ ȌȖȘȖȋȖșȚȖȧȡȐȍ țșȓțȋȐ Ȑ ȖȗȞȐȐ, Ȉ 27% ȐȏȔȍȕȐȓȐ ȗȍȘȍȟȍȕȤ ȗȖȓȐȒȓȐȕȐȒ. ǷȖ ȘȍȏțȓȤȚȈȚȈȔ ȖȗȘȖșȈ ȕȈȐȉȖȓȍȍ ȗȖȗțȓȧȘȕȣȔȐ Ȋ ȗȘȖȋȘȈȔȔȈȝ ǬǴǹ ȗȖ-ȗȘȍȎȕȍȔț ȖșȚȈȦȚșȧ ȗȖȓȐȒȓȐȕȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ, ȋȖșȗȐȚȈȓȐȏȈȞȐȧ, șȒȖȘȈȧ ȗȖȔȖȡȤ, ȊȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ Ȑ șȚȖȔȈȚȖȓȖȋȐȧ. ǷȖ ȌȈȕȕȣȔ ȐșșȓȍȌȖȊȈȕȐȧ HeadHunter, ȌȐȜȜȍȘȍȕȞȐȈȞȐȧ ȗȘȖȋȘȈȔȔ șȚȘȈȝȖȊȈȕȐȧ Ȍȓȧ ȘȈȏȓȐȟȕȣȝ ȒȈȚȍȋȖȘȐȑ șȖȚȘțȌȕȐȒȖȊ Ȑ ȐȏȔȍȕȍȕȐȍ țșȓȖȊȐȑ ȗȘȖȋȘȈȔȔ ȗȖȏȊȖȓȐȓȐ ȉȖȓȤȠȐȕșȚȊț ȖȗȘȖȠȍȕȕȣȝ ȒȖȔȗȈȕȐȑ șȖȒȘȈȚȐȚȤ ȉȦȌȎȍȚ ȕȈ ǬǴǹ ȕȈ 10-20%. 38% țȟȈșȚȕȐȒȖȊ ȖȗȘȖșȈ șȕȐȏȐȓȐ ȉȦȌȎȍȚȣ ȉȖȓȍȍ ȟȍȔ ȕȈ 20% (șȔ. ȚȈȉȓȐȞț 3). ǷȖ ȌȈȕȕȣȔ ȉȍȕȟȔȈȘȒȐȕȋȈ șȐșȚȍȔȣ țȗȘȈȊȓȍȕȐȧ ȗȍȘșȖȕȈȓȖȔ DzǷǴǫ (2009 ȋ.), ȘȈșȝȖȌȣ ȕȈ ȓȤȋȖȚȣ Ȋ ȏȈȊȐșȐȔȖșȚȐ ȖȚ șȍȒȚȖȘȈ ȘȣȕȒȈ ȔȖȋțȚ șȖșȚȈȊȓȧȚȤ ȖȚ 5% ȌȖ 25% Ȋșȍȝ ȘȈșȝȖȌȖȊ ȕȈ ȗȍȘșȖȕȈȓ, ȗȘȐȟȍȔ ǬǴǹ — ȖȌȕȈ Ȑȏ șȈȔȣȝ ȌȖȘȖȋȐȝ șȖșȚȈȊȓȧȦȡȐȝ ȗȈȒȍȚȈ ȓȤȋȖȚ. «ǵȍțȌȐȊȐȚȍȓȤȕȖ, ȟȚȖ ȐȔȍȕȕȖ ȏȈ șȚȘȈȝȖȊȒț ȊȏȧȓȐșȤ șȗȍȞȐȈȓȐșȚȣ ȗȖ ȗȍȘșȖȕȈȓț, ȒȖȋȌȈ
Reducing the VHI budget Table 3. Depending on the industry the company is operating in
How did the VHI budget reduce?
Industry, construction and transport
Communications, IT
Commerce, public catering, domestic servicing
Finance, loan services, insurance
Other
Remains on the level of 2008
17% 43% 14% 23% 29%
Reduced by less than 20%
67% 43% 43% 38% 47%
Reduced by more than 20%
17% 14% 43% 38% 24%
Total 100% 100% 100% 100% 100%
Reducing the VHI budget Table 4. Depending on the number of company’s personnel
How did the VHI budget reduce?
Up to 50 people
50 – 100 people
100 – 300 people
300 – 1000 people
Over 1000 people
Remains on the level of 2008
38% 20% 11% 38% 17%
Reduced by less than 20%
38% 20% 44% 50% 58%
Reduced by more than 20%
44% 60% 25% 13% 25%
Total 100% 100% 100% 100% 100%
As for the employers who had to cut the budget at the expense of health insurance, 14 per cent did so by reducing the number of insured persons, 59 per cent excluded high cost options and services from their insurance programs, while 27% changed the list of polyclinics. According to the survey the most popular VHI options still include ambulatory medicine, hospitalization, ambulance, calling a doctor and dentistry. The study conducted by HeadHunter suggests that differentiation of insurance programs for various categories of staff and changes in program conditions have allowed most of the surveyed companies to reduce the VHI budget by 10-20 per cent. 38 per cent of respondents have reduced their budgets by more than 20 per cent (see table 3). According to the KPMG benchmarking system of personnel management (2009), the cost of benefits depending on the market sector can range from 5 to 25 per cent of all personnel expenditures, and health insurance is one of the most expensive components of the benefit package. "It is not surprising that after having exhausted all possible budget items the HR specialists finally came to insurance costs", - notes Antonina Krasik, HR and individual taxation Senior Consultant at KPMG in Russia and CIS.
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 7
ȌȘțȋȐȍ șȚȈȚȤȐ șȖȒȘȈȡȍȕȐȧ ȐȏȌȍȘȎȍȒ ȉȣȓȐ ȐșȟȍȘȗȈȕȣ», — ȏȈȔȍȟȈȍȚ ǨȕȚȖȕȐȕȈ DzȘȈșȐȒ, șȚȈȘȠȐȑ ȒȖȕșțȓȤȚȈȕȚ ȋȘțȗȗȣ ȗȖ țȗȘȈȊȓȍȕȐȦ ȗȍȘșȖȕȈȓȖȔ Ȑ ȕȈȓȖȋȖȖȉȓȖȎȍȕȐȦ ȜȐȏȐȟȍșȒȐȝ ȓȐȞ, DzǷǴǫ Ȋ ǸȖșșȐȐ Ȑ ǹǵǫ. ǷȖ ȌȈȕȕȣȔ, ȒȖȚȖȘȣȍ ȉȣȓȐ ȗȖȓțȟȍȕȣ Ȋ ȝȖȌȍ ȗȍȘȊȖȋȖ ȥȚȈȗȈ ȉȍȕȟȔȈȘȒȐȕȋȈ, ȔȕȖȋȐȍ ȒȖȔȗȈȕȐȐ șȚȈȘȈȓȐșȤ șȖȒȘȈȚȐȚȤ șȊȖȐ ȘȈșȝȖȌȣ ȕȈ ȔȍȌȐȞȐȕșȒȖȍ șȚȘȈȝȖȊȈȕȐȍ șȖȚȘțȌȕȐȒȖȊ, ȗȘȖȊȖȌȧ ȎȍșȚȒȐȍ ȗȍȘȍȋȖȊȖȘȣ șȖ șȚȘȈȝȖȊȣȔȐ ȒȖȔȗȈȕȐȧȔȐ, ȐȕȖȋȌȈ ș ȗȘȐȊȓȍȟȍȕȐȍȔ șȚȘȈȝȖȊȣȝ ȉȘȖȒȍȘȖȊ, ȟȚȖȉȣ ȌȖȉȐȚȤșȧ ȉȖȓȍȍ ȊȣȋȖȌȕȣȝ ȞȍȕȖȊȣȝ țșȓȖȊȐȑ. ǴȕȖȋȐȍ șȔȍȕȐȓȐ șȚȘȈȝȖȊȡȐȒȖȊ. ǵȍȒȖȚȖȘȣȍ ȗȖȠȓȐ ȗȖ ȗțȚȐ ȐȏȔȍȕȍȕȐȧ ȕȈȗȖȓȕȍȕȐȧ șȚȘȈȝȖȊȣȝ ȗȈȒȍȚȖȊ — țȔȍȕȤȠȍȕȐȧ ȒȖȓȐȟȍșȚȊȈ ȗȖȓȐȒȓȐȕȐȒ, ȕȈȉȖȘȈ țșȓțȋ Ȋ ȗȈȒȍȚȍ. ǵȍȒȖȚȖȘȣȍ — ȌȈȎȍ ȕȈ ȚȈȒțȦ ȘȈȌȐȒȈȓȤȕțȦ ȔȍȘț, ȒȈȒ ȖȚȒȈȏ ȖȚ șȚȘȈȝȖȊȈȕȐȧ ȥȒșȚȘȍȕȕȖȑ ȋȖșȗȐȚȈȓȐȏȈȞȐȐ, Ȑ ȏȈȔȍȕȐȓȐ ȍȋȖ ȌȍȗȖȏȐȚȖȔ. ǷȘȐ ȥȚȖȔ ȊȣȧșȕȐȓȖșȤ, ȟȚȖ ȚȈȒȖȑ ȠȈȋ ȟȈșȚȖ ȊȍȌȍȚ Ȓ țȊȍȓȐȟȍȕȐȦ ȘȈșȝȖȌȖȊ, Ȉ ȕȍ Ȓ ȥȒȖȕȖȔȐȐ. ǷȖ ȔȕȍȕȐȦ DzȘȈșȐȒ, ȉȓȈȋȖȌȈȘȧ ȒȘȐȏȐșț ȘȣȕȖȒ șȚȈȓ ȉȖȓȍȍ ȋȐȉȒȐȔ: ȗȖȧȊȐȓȈșȤ ȊȖȏȔȖȎȕȖșȚȤ ȏȕȈȟȐȚȍȓȤȕȖ țȓțȟȠȐȚȤ șȚȈȕȌȈȘȚȕȣȍ ȗȈȒȍȚȣ, ȗȘȍȌȓȈȋȈȍȔȣȍ șȚȘȈȝȖȊȣȔȐ ȒȖȔȗȈȕȐȧȔȐ, șȌȍȓȈȊ Ȑȝ ȉȖȓȍȍ ȖȚȊȍȟȈȦȡȐȔȐ ȕțȎȌȈȔ Ȑ ȗȖȚȘȍȉȕȖșȚȧȔ ȒȖȕȒȘȍȚȕȖȑ ȒȖȔȗȈȕȐȐ, ȗȘȐ ȥȚȖȔ ȕȍ țȊȍȓȐȟȐȊ ȐȓȐ ȌȈȎȍ șȖȒȘȈȚȐȊ ȘȈșȝȖȌȣ. «ǰȕȖȋȌȈ ȎȍȓȈȍȔȖȋȖ ȥȜȜȍȒȚȈ șȖȒȘȈȡȍȕȐȧ (ȐȓȐ șȖȝȘȈȕȍȕȐȧ ȕȈ ȗȘȍȎȕȍȔ țȘȖȊȕȍ) ȏȈȚȘȈȚ ȔȖȎȕȖ ȌȖșȚȐȟȤ, ȕȍ Ȕȍȕȧȧ ȘȈȌȐȒȈȓȤȕȖ ȕȐ ȒȖȓȐȟȍșȚȊȈ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ, ȕȐ ȕȈȗȖȓȕȍȕȐȧ ȗȈȒȍȚȈ, — ȏȈȔȍȟȈȍȚ ȖȕȈ. — ǵȖ ȗȘȍȎȌȍ ȟȍȔ ȊȕȖșȐȚȤ ȐȏȔȍȕȍȕȐȧ Ȋ ȗȘȖȋȘȈȔȔț ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ Ȑ ȘȐșȒȖȊȈȚȤ ȌȍȔȖȚȐȊȐȘȖȊȈȚȤ șȖȚȘțȌȕȐȒȖȊ, ȘȈȉȖȚȖȌȈȚȍȓȧȔ șȚȖȐȚ ȟȍȚȒȖ șȜȖȘȔțȓȐȘȖȊȈȚȤ șȊȖȐ ȚȘȍȉȖȊȈȕȐȧ Ȓ șȚȘȈȝȖȊȖȔț ȗȘȖȌțȒȚț». ǻȟȈșȚȐȍ șȚȘȈȝȖȊȖȋȖ ȉȘȖȒȍȘȈ Ȋ ȗȘȖȞȍșșȍ ȖȗȚȐȔȐȏȈȞȐȐ ȏȈȚȘȈȚ ȕȈ ǬǴǹ Ȋ ȉȖȓȤȠȐȕșȚȊȍ șȓțȟȈȍȊ ȖȉȍșȗȍȟȐȊȈȍȚ ȌȖȗȖȓȕȐȚȍȓȤȕțȦ ȥȒȖȕȖȔȐȦ ȉȦȌȎȍȚȈ Ȋ ȘȈȏȔȍȘȍ 10-15% ȏȈ șȟȍȚ ȓțȟȠȍȋȖ ȏȕȈȕȐȧ ȘȣȕȒȈ – ȉȘȖȒȍȘ șȒȖȘȍȍ ȌȖȉȤȍȚșȧ țșȚțȗȖȒ șȖ șȚȖȘȖȕȣ șȚȘȈȝȖȊȖȑ ȒȖȔȗȈȕȐȐ Ȍȓȧ ȒȓȐȍȕȚȈ, Ȉ ȍșȓȐ ȥȚȖ ȕȍȊȖȏȔȖȎȕȖ, ȚȖ ȊșȍȋȌȈ ȗȖșȖȊȍȚțȍȚ ȌȘțȋȖȋȖ, ȉȖȓȍȍ șȋȖȊȖȘȟȐȊȖȋȖ, șȚȘȈȝȖȊȡȐȒȈ.
According to the data that were obtained during the first stage of benchmarking, many companies sought to reduce their expenditures on health insurance by conducting tough negotiations with insurance companies, sometimes involving insurance brokers in order to obtain more favorable pricing. Many of them changed their insurers. Some have chosen to change the contents of the insurance package by reducing the number of clinics and a set of services in the package. Some of them even gave up on such an important service as emergency hospitalization, and replaced it with a deposit. It was found that such a step often leads to increased costs, not to saving. According to Krasik, the crisis has made the market more flexible: there’s now an opportunity to significantly improve the standard packages offered by insurance companies, making them more responsive to the needs and requirements of a particular company, without increasing the cost and sometimes even reducing it. "The desired effect of reducing (or maintaining the same level of) costs can be sometimes achieved without radically altering either the number of the insured, or without filling the package - she notes. - But before making changes in the health insurance program and risking to discourage employees the employers should clearly define their insurance product requirements. The participation of an insurance broker in the process of optimizing the cost of health insurance in most cases provides additional 10 - 15 per cent savings in the budget due to better knowledge of the market - the broker will get the clients more concessions from the insurance company, and in case it is not possible, we can always advise a more pliant insurance company.
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 8
ǛǼǴǸDZǼ ǺǻǾǴǸǴdzǬȂǴǴ ǼǬǽȁǺǰǺǮ ǹǬ ǐǘǝ DzȖȔȗȈȕȐȧ Ǩ ȖȉȘȈȚȐȓȈșȤ Ȓ șȚȘȈȝȖȊȖȔț ȉȘȖȒȍȘț ȗȖ ȗȖȊȖȌț șȖȒȘȈȡȍȕȐȧ ȘȈșȝȖȌȖȊ ȕȈ ǬǴǹ. ǷȖșȓȍ ȈȕȈȓȐȏȈ ȌȈȕȕȣȝ ȗȖ ȒȖȓȐȟȍșȚȊț ȖȉȘȈȡȍȕȐȑ Ȋ ȓȍȟȍȉȕȖ-ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ țȟȘȍȎȌȍȕȐȧ (dzǷǻ) ȏȈșȚȘȈȝȖȊȈȕȕȣȝ șȖȚȘțȌȕȐȒȖȊ ȒȖȔȗȈȕȐȐ Ȋ ȗȘȍȌȣȌțȡȍȔ șȚȘȈȝȖȊȖȔ ȗȍȘȐȖȌȍ ȉȣȓȖ ȊȣȧșȕȍȕȖ, ȟȚȖ ȗȘȐȔȍȘȕȖ Ȋ 25% dzǷǻ ȏȈ ȋȖȌ ȕȍ ȉȣȓȖ ȕȐ ȖȌȕȖȋȖ ȖȉȘȈȡȍȕȐȧ șȖȚȘțȌȕȐȒȖȊ, Ȑ ȍȡȍ ȗȘȐȔȍȘȕȖ Ȋ 10% dzǷǻ ȉȣȓȐ ȚȖȓȤȒȖ ȍȌȐȕȐȟȕȣȍ ȖȉȘȈȡȍȕȐȧ. ǷȖșȓȍ șȖȊȔȍșȚȕȖȋȖ ș șȖȚȘțȌȕȐȒȈȔȐ șȚȘȈȝȖȊȖȋȖ ȉȘȖȒȍȘȈ ȈȕȈȓȐȏȈ ȗȘȖȋȘȈȔȔ ǬǴǹ, ȗȘȍȌșȚȈȊȓȍȕȕȣȝ ȕȈ ȘȣȕȒȍ, ȉȣȓȐ ȖȚȖȉȘȈȕȣ Țȍ, Ȋ ȒȖȚȖȘȣȝ ȗȘȐșțȚșȚȊȖȊȈȓȐ ȗȖȟȚȐ Ȋșȍ Țȍ dzǷǻ, ȒȖȚȖȘȣȍ ȗȖȓȤȏțȦȚșȧ Ȋ ȒȖȔȗȈȕȐȐ ȔȈȒșȐȔȈȓȤȕȣȔ șȗȘȖșȖȔ Ȑ ȗȘȐ ȥȚȖȔ Ȑȏ ȕȐȝ ȐșȒȓȦȟȍȕȣ ȔȈȓȖ ȊȖșȚȘȍȉȖȊȈȕȕȣȍ dzǷǻ Ȑ țșȓțȋȐ. Ǫ ȘȍȏțȓȤȚȈȚȍ ȚȈȒȖȑ ȖȗȚȐȔȐȏȈȞȐȐ ȉȦȌȎȍȚ ȕȈ ǬǴǹ ȉȣȓ șȖȒȘȈȡȍȕ ȕȈ 15%. ǷȘȐ ȥȚȖȔ ȕȐ ȒȖȓȐȟȍșȚȊȖ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ, ȕȐ ȒȖȓȐȟȍșȚȊȖ Ȑ ȒȈȟȍșȚȊȖ ȘȍȈȓȤȕȖ ȊȖșȚȘȍȉȖȊȈȕȕȣȝ Ȋ ȒȖȔȗȈȕȐȐ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ șȖȒȘȈȡȍȕȖ ȕȍ ȉȣȓȖ.
An example of optimizing the VHI cost The A company asked the insurance broker about reducing the cost of health insurance. After analyzing data on the number of applications in medical and prophylactic institutions (MPI) of the company's insured employees in the previous insurance period it was found that about 25 per cent of health facilities didn’t get a single application of the company’s staff in a year and approximately 10 per cent of health facilities provided only sporadic treatment. After the mutual analysis of health insurance programs on the market, the company selected the ones that included nearly all the health facilities that are most demanded by company employees, and excluding the ones of small demand. As a result of this optimization the VHI budget was reduced by 15 per cent. Moreover, neither the number of the insured, nor the quantity or the quality of popular medical services weren’t reduced.
ɋɨɫɬɚɜ ɨɫɧɨɜɧɵɯ ɩɚɤɟɬɨɜ (The contents of the basic packages)
Ȼɚɡɨɜɵɣ DzȖȕșțȓȤȚȈȞȐȐ Ȑ ȖȒȈȏȈȕȐȍ ȗȖȔȖȡȐ ȊȘȈȟȈȔȐ-șȗȍȞȐȈȓȐșȚȈȔȐ (Ȋ ȚȖȔ ȟȐșȓȍ ȗȖ șȗȍȞȐȈȓȤȕȖșȚȧȔ: ȚȍȘȈȗȐȧ, ȝȐȘțȘȋȐȧ, ȒȈȘȌȐȖȓȖȋȐȧ, ȘȍȊȔȈȚȖȓȖȋȐȧ, ȋȈșȚȘȖȥȕȚȍȘȖȓȖȋȐȧ, ȗțȓȤȔȖȕȖȓȖȋȐȧ, ȥȕȌȖȒȘȐȕȖȓȖȋȐȧ, ȕȍȜȘȖȓȖȋȐȧ, ȕȍȊȘȖȓȖȋȐȧ, ȐȕȜȍȒȞȐȖȕȕȣȍ ȉȖȓȍȏȕȐ, ȚȘȈȊȔȈȚȖȓȖȋȐȧ, țȘȖȓȖȋȐȧ, ȗȘȖȒȚȖȓȖȋȐȧ, ȋȐȕȍȒȖȓȖȋȐȧ, ȖȚȖȓȈȘȐȕȋȖȓȖȋȐȧ, ȖȜȚȈȓȤȔȖȓȖȋȐȧ, ȌȍȘȔȈȚȖȓȖȋȐȧ, ȖȕȒȖȓȖȋȐȧ (ȌȖ ȗȖșȚȈȕȖȊȒȐ ȌȐȈȋȕȖȏȈ), ȈȓȓȍȘȋȖȓȖȋȐȧ, ȐȔȔțȕȖȓȖȋȐȧ, șȚȖȔȈȚȖȓȖȋȐȧ Ȑ ȌȘ.), ȊȘȈȟȈȔȐ Ȗȉȡȍȑ ȗȘȈȒȚȐȒȐ ș ȖȜȖȘȔȓȍȕȐȍȔ Ȑ ȗȖȓțȟȍȕȐȍȔ Ȑ ȗȖșȓȍȌțȦȡȍȑ ȊȣȌȈȟȍȑ ȗȘȐ ȕȍȖȉȝȖȌȐȔȖșȚȐ ȓȐșȚȒȖȊ ȕȍȚȘțȌȖșȗȖșȖȉȕȖșȚȐ, ȔȍȌȐȞȐȕșȒȐȝ șȗȘȈȊȖȒ Ȑ ȘȍȞȍȗȚȖȊ, șȈȕȈȚȖȘȕȖ-ȒțȘȖȘȚȕȣȝ ȒȈȘȚ, ȏȈȒȓȦȟȍȕȐȑ Ȗ șȖșȚȖȧȕȐȐ ȏȌȖȘȖȊȤȧ, ȊȣȗȐșȖȒ Ȑȏ ȈȔȉțȓȈȚȖȘȕȣȝ ȒȈȘȚ Ȑ ȗȘ., ȈȓȤȚȍȘȕȈȚȐȊȕȣȍ ȒȖȕșțȓȤȚȈȞȐȐ ȊȍȌțȡȐȝ șȗȍȞȐȈȓȐșȚȖȊ, ȒȖȕșȐȓȐțȔȣ Ȑ ȌȘ. dzȈȉȖȘȈȚȖȘȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ: ȒȓȐȕȐȟȍșȒȐȍ, ȉȈȒȚȍȘȐȖȓȖȋȐȟȍșȒȐȍ, ȉȐȖȝȐȔȐȟȍșȒȐȍ, șȍȘȖȓȖȋȐȟȍșȒȐȍ, ȋȐșȚȖȓȖȋȐȟȍșȒȐȍ, ȞȐȚȖȓȖȋȐȟȍșȒȐȍ. ǰȔȔțȕȖȓȖȋȐȟȍșȒȐȍ: ȋȘțȗȗȈ ȒȘȖȊȐ, Șȍȏțș-ȜȈȒȚȖȘ, ȗȍȘȊȐȟȕȈȧ șȒȘȐȕȐȕȋ-ȌȐȈȋȕȖșȚȐȒȈ șȐȜȐȓȐșȈ, Ǫǰǿ-ȐȕȜȍȒȞȐȐ. ǰȕșȚȘțȔȍȕȚȈȓȤȕȣȍ ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȊȒȓȦȟȈȧ ȜțȕȒȞȐȖȕȈȓȤȕțȦ ȌȐȈȋȕȖșȚȐȒț, țȓȤȚȘȈȏȊțȒȖȊȣȍ, ȥȕȌȖșȒȖȗȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȘȍȕȚȋȍȕȖȋȘȈȜȐȦ. ǷȘȖȞȍȌțȘȣ: ȜȐȏȐȖȚȍȘȈȗȐȧ (ȥȓȍȒȚȘȖ-, șȊȍȚȖ-, ȔȈȋȕȐȚȖ-, ȚȍȗȓȖȓȍȟȍȕȐȍ, ȓȈȏȍȘȖȚȍȘȈȗȐȧ, ȊȖȌȖȓȍȟȍȕȐȍ Ȑ ȌȘ.), ȓȍȟȍȉȕȈȧ ȜȐȏȒțȓȤȚțȘȈ, ȓȍȟȍȉȕȣȑ ȔȈșșȈȎ, ȐȋȓȖȘȍȜȓȍȒșȖȚȍȘȈȗȐȧ, ȐȕȢȍȒȞȐȐ, ȊȓȐȊȈȕȐȧ, ȐȔȔțȕȖȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȔȍȘȖȗȘȐȧȚȐȧ. ǴȍȌȐȞȐȕșȒȈȧ ȗȖȔȖȡȤ ȕȈ ȌȖȔț ȉȖȓȤȕȣȔ, ȒȖȚȖȘȣȍ ȗȖ șȖșȚȖȧȕȐȦ ȏȌȖȘȖȊȤȧ ȕȍ ȔȖȋțȚ șȈȔȖșȚȖȧȚȍȓȤȕȖ ȖȉȘȈȚȐȚȤșȧ Ȋ ȓȍȟȍȉȕȖȍ țȟȘȍȎȌȍȕȐȍ: ȗȍȘȊȐȟȕȣȍ Ȑ ȗȖȊȚȖȘȕȣȍ ȖșȔȖȚȘȣ ȏȈșȚȘȈȝȖȊȈȕȕȖȋȖ ȕȈ ȌȖȔț, ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ, ȏȈȉȖȘ ȔȈȚȍȘȐȈȓȈ Ȑ ȗȘȖȊȍȌȍȕȐȍ ȜțȕȒȞȐȖȕȈȓȤȕȣȝ ȐșșȓȍȌȖȊȈȕȐȑ ȕȈ ȌȖȔț, ȍșȓȐ ȌȈȕȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ ȕȍȖȉȝȖȌȐȔȣ ȗȖ ȔȍȌȐȞȐȕșȒȐȔ ȗȖȒȈȏȈȕȐȧȔ. ǹȚȖȔȈȚȖȓȖȋȐȟȍșȒȐȍ țșȓțȋȐ: 9 ȒȖȕșțȓȤȚȈȞȐȧ șȚȖȔȈȚȖȓȖȋȈ;
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 9
9 ȚȍȘȈȗȍȊȚȐȟȍșȒȈȧ șȚȖȔȈȚȖȓȖȋȐȧ: ȓȍȟȍȕȐȍ ȒȈȘȐȍșȈ ș ȗȘȐȔȍȕȍȕȐȍȔ ȖȚȍȟȍșȚȊȍȕȕȣȝ Ȑ/ȐȓȐ ȐȔȗȖȘȚȕȣȝ ȒȖȔȗȖȏȐȚȕȣȝ ȔȈȚȍȘȐȈȓȖȊ, ȓȍȟȍȕȐȍ ȖșȚȘȖȋȖ Ȑ ȝȘȖȕȐȟȍșȒȖȋȖ ȗțȓȤȗȐȚȈ, ȝȘȖȕȐȟȍșȒȖȋȖ ȗȍȘȐȖȌȖȕȚȐȚȈ Ȋ ȜȈȏȍ ȖȉȖșȚȘȍȕȐȧ;
9 ȘȍȕȚȋȍȕȖȓȖȋȐȟȍșȒȖȍ ȖȉșȓȍȌȖȊȈȕȐȍ, ȊȐȏȐȖȋȘȈȜȐȧ; 9 ȈȕȍșȚȍȏȐȖȓȖȋȐȟȍșȒȐȍ ȔȈȕȐȗțȓȧȞȐȐ; 9 ȝȐȘțȘȋȐȟȍșȒȈȧ șȚȖȔȈȚȖȓȖȋȐȧ: țȌȈȓȍȕȐȍ ȏțȉȖȊ ȗȖ ȔȍȌȐȞȐȕșȒȐȔ ȗȖȒȈȏȈȕȐȧȔ, ȘȈȏȘȍȏȣ ȗȘȐ ȗȍȘȐȖșȚȐȚȈȝ, ȗȍȘȐȖȌȖȕȚȐȚȈȝ, ȊșȒȘȣȚȐȍ ȈȉșȞȍșșȖȊ, ȐșșȍȟȍȕȐȍ șȓȐȏȐșȚȖȋȖ «ȒȈȗȦȠȖȕȈ».
ǬȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ ȕȈ ȉȈȏȍ șȚȈȞȐȖȕȈȘȈ.
Ⱦɟɬɫɤɢɣ 1. ǷȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȗȓȈȕȖȊȣȍ ȔȍȘȖȗȘȐȧȚȐȧ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ: 9 ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȗȘȐȍȔȣ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ, ȗȘȍȌțșȔȖȚȘȍȕȕȣȍ ȕȖȘȔȈȚȐȊȕȣȔȐ ȌȖȒțȔȍȕȚȈȔȐ;
9 ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȗȘȐȍȔȣ ȊȘȈȟȍȑ-șȗȍȞȐȈȓȐșȚȖȊ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ: ȕȍȊȘȖȓȖȋȈ, ȖȘȚȖȗȍȌȈ-ȚȘȈȊȔȈȚȖȓȖȋȈ Ȑ ȖȜȚȈȓȤȔȖȓȖȋȈ (ȗȘȍȌțșȔȖȚȘȍȕȕȣȍ ȕȖȘȔȈȚȐȊȕȣȔȐ ȌȖȒțȔȍȕȚȈȔȐ), ȖȚȖȓȈȘȐȕȋȖȓȖȋȈ (ȗȖ ȗȖȒȈȏȈȕȐȧȔ), șȚȖȔȈȚȖȓȖȋȈ (ȗȖ ȗȖȒȈȏȈȕȐȧȔ), ȒȈȘȌȐȖȘȍȊȔȈȚȖȓȖȋȈ (ȗȖ ȗȖȒȈȏȈȕȐȧȔ);
9 ȐȔȔțȕȖȗȘȖȜȐȓȈȒȚȐȒȈ ȐȕȜȍȒȞȐȖȕȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ ȖȚȍȟȍșȚȊȍȕȕȣȔȐ ȊȈȒȞȐȕȈȔȐ Ȋ șȖȖȚȊȍȚșȚȊȐȐ ș ǵȈȞȐȖȕȈȓȤȕȣȔ ȒȈȓȍȕȌȈȘȍȔ ȗȘȐȊȐȊȖȒ, ȊȒȓȦȟȈȧ ȗȘȍȌȊȈȘȐȚȍȓȤȕȣȑ ȖșȔȖȚȘ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ.
2. ǨȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ ș ȗȖȔȖȡȤȦ ȕȈ ȌȖȔț, șȖ șȚȖȔȈȚȖȓȖȋȐȍȑ: ȓȍȟȍȉȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȗȘȐȍȔȣ ȊȘȈȟȍȑ-șȗȍȞȐȈȓȐșȚȖȊ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ ȗȖ ȘȍȒȖȔȍȕȌȈȞȐȐ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ Ȋ șȖȖȚȊȍȚșȚȊȐȐ ș ȗȖȒȈȏȈȕȐȧȔȐ – ȝȐȘțȘȋȈ, ȒȈȘȌȐȖȓȖȋȈ, ȋȈșȚȘȖȥȕȚȍȘȖȓȖȋȈ, ȕȍȜȘȖȓȖȋȈ, ȥȕȌȖȒȘȐȕȖȓȖȋȈ, ȜȐȏȐȖȚȍȘȈȗȍȊȚȈ, ȖȒțȓȐșȚȈ, ȊȘȈȟȈ dzǼDz, ȚȘȈȊȔȈȚȖȓȖȋȈ, țȘȖȓȖȋȈ, ȖȚȖȓȈȘȐȕȋȖȓȖȋȈ, ȕȍȊȘȖȓȖȋȈ, ȗțȓȤȔȖȕȖȓȖȋȈ, ȌȍȘȔȈȚȖȊȍȕȍȘȖȓȖȋȈ, ȈȒțȠȍȘȈ-ȋȐȕȍȒȖȓȖȋȈ, ȈȓȓȍȘȋȖȓȖȋȈ, ȗȘȖȒȚȖȓȖȋȈ, ȖȕȒȖȓȖȋȈ (ȌȖ ȗȖșȚȈȕȖȊȒȐ ȖȕȒȖȌȐȈȋȕȖȏȈ), ȗșȐȝȖȕȍȊȘȖȓȖȋȈ (ȗȍȘȊȐȟȕȣȑ ȗȘȐȍȔ), ȖȜȖȘȔȓȍȕȐȍ Ȑ ȊȣȌȈȟȈ ȏȈșȚȘȈȝȖȊȈȕȕȖȔț ȕȍȖȉȝȖȌȐȔȖȑ ȔȍȌȐȞȐȕșȒȖȑ ȌȖȒțȔȍȕȚȈȞȐȐ. 3. dzȈȉȖȘȈȚȖȘȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ: 9 ȓȈȉȖȘȈȚȖȘȕȈȧ ȌȐȈȋȕȖșȚȐȒȈ: ȖȉȡȍȒȓȐȕȐȟȍșȒȐȍ, ȉȐȖȝȐȔȐȟȍșȒȐȍ, șȍȘȖȓȖȋȐȟȍșȒȐȍ, ȉȈȒȚȍȘȐȖȓȖȋȐȟȍșȒȐȍ, ȐȔȔțȕȖȓȖȋȐȟȍșȒȐȍ, ȋȖȘȔȖȕȈȓȤȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ, ǷǾǸ-ȌȐȈȋȕȖșȚȐȒȈ;
9 ȘȈȌȐȖȐȏȖȚȖȗȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȘȍȕȚȋȍȕȌȐȈȋȕȖșȚȐȒȈ Ȋ ȗȖȓȕȖȔ ȖȉȢȍȔȍ; 9 țȓȤȚȘȈȏȊțȒȖȊȣȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȜțȕȒȞȐȖȕȈȓȤȕȈȧ ȌȐȈȋȕȖșȚȐȒȈ (ȅDzǫ, ǸǪǫ, Ǹȅǫ, ȅȅǫ, ȅȝȖ-ȅǫ, ȜȖȕȖȒȈȘȌȐȖȋȘȈȜȐȧ Ȑ Ț.Ȍ.); 9 ȥȕȌȖșȒȖȗȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȌȐȈȋȕȖșȚȐȟȍșȒȈȧ ȉȐȖȗșȐȧ. 4. ǪȖșșȚȈȕȖȊȐȚȍȓȤȕȖȍ ȓȍȟȍȕȐȍ Ȋ ȗȖȓȐȒȓȐȕȐȒȍ: ȜȐȏȐȖȚȍȘȈȗȐȧ: ȕȈȏȕȈȟȍȕȐȍ ȕȍ ȉȖȓȍȍ 2-ȝ ȊȐȌȖȊ ȜȐȏȐȖȗȘȖȞȍȌțȘ ȗȖ ȗȖȊȖȌț ȖȌȕȖȋȖ șȚȘȈȝȖȊȖȋȖ șȖȉȣȚȐȧ; dzǼDz; ȒȓȈșșȐȟȍșȒȐȑ ȓȍȟȍȉȕȣȑ ȔȈșșȈȎ, ȒȓȈșșȐȟȍșȒȈȧ ȒȖȘȗȖȘȈȓȤȕȈȧ ǰǸǺ, ȖȏȌȖȘȖȊȐȚȍȓȤȕȣȑ ȔȈșșȈȎ Ȋ ȗȖȓȐȒȓȐȕȐȒȍ. 5. ǪȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ: ȓȍȟȍȕȐȍ Ȑ ȈȒȚȐȊȕȖȍ ȕȈȉȓȦȌȍȕȐȍ ȌȖ țȓțȟȠȍȕȐȧ șȖșȚȖȧȕȐȧ ȊȘȈȟȖȔ-ȗȍȌȐȈȚȘȖȔ ȘȍȉȍȕȒȈ ș ȖșȚȘȣȔ ȏȈȉȖȓȍȊȈȕȐȍȔ ȕȈ ȌȖȔț: ȗȍȘȊȐȟȕȣȍ, ȗȖȊȚȖȘȕȣȍ ȖșȔȖȚȘȣ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ ȕȈ ȌȖȔț. 6. ǹȚȖȔȈȚȖȓȖȋȐȟȍșȒȈȧ ȗȖȔȖȡȤ: ȗȍȘȊȐȟȕȣȍ ȒȖȕșțȓȤȚȈȞȐȐ ȊȘȈȟȍȑ-șȗȍȞȐȈȓȐșȚȖȊ (șȚȖȔȈȚȖȓȖȋȈ-ȚȍȘȈȗȍȊȚȈ, șȚȖȔȈȚȖȓȖȋȈ-ȝȐȘțȘȋȈ, ȗȈȘȖȌȖȕȚȖȓȖȋȈ); ȚȍȘȈȗȍȊȚȐȟȍșȒȖȍ ȓȍȟȍȕȐȍ: ȓȍȟȍȕȐȍ ȒȈȘȐȍșȈ Ȑ ȍȋȖ ȖșȓȖȎȕȍȕȐȑ (ȗțȓȤȗȐȚȈ, ȗȍȘȐȖȌȖȕȚȐȚȈ) ș ȐșȗȖȓȤȏȖȊȈȕȐȍȔ șȖȊȘȍȔȍȕȕȣȝ șȊȍȚȖ- Ȑ ȝȐȔȐȖȖȚȊȍȘȎȌȈȍȔȣȝ ȔȈȚȍȘȐȈȓȖȊ, ȋțȚȚȈȗȍȘȟȍȊȣȝ ȠȚȐȜȚȖȊ; ȊȖșșȚȈȕȖȊȓȍȕȐȍ ȒȖȘȖȕȒȖȊȖȑ ȟȈșȚȐ ȏțȉȖȊ ȗȘȐ ȍȍ ȘȈȏȘțȠȍȕȐȐ Ȕȍȕȍȍ ȟȍȔ ȕȈ 50%; ȝȐȘțȘȋȐȟȍșȒȈȧ ȗȖȔȖȡȤ ȗȘȐ ȖșȚȘȣȝ Ȑ ȖȉȖșȚȘȍȕȐȐ ȝȘȖȕȐȟȍșȒȐȝ ȏȈȉȖȓȍȊȈȕȐȑ: țȌȈȓȍȕȐȍ ȏțȉȖȊ ȘȈȏȓȐȟȕȖȑ șȓȖȎȕȖșȚȐ, ȓȍȟȍȕȐȍ ȊȖșȗȈȓȐȚȍȓȤȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ ȗȖȓȖșȚȐ ȘȚȈ; șȕȧȚȐȍ ȕȈȌȌȍșȕȍȊȣȝ ȏțȉȕȣȝ ȖȚȓȖȎȍȕȐȑ; Ȋșȍ ȊȐȌȣ ȔȍșȚȕȖȋȖ ȖȉȍȏȉȖȓȐȊȈȕȐȧ;
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 10
ȘȍȕȚȋȍȕȌȐȈȋȕȖșȚȐȒȈ, ȘȈȌȐȖȊȐȏȐȖȋȘȈȜȐȧ; ȜȐȏȐȖȚȍȘȈȗȍȊȚȐȟȍșȒȐȍ ȗȘȖȞȍȌțȘȣ ȗȘȐ ȖșȚȘȣȝ șȖșȚȖȧȕȐȧȝ; ȒțȗȐȘȖȊȈȕȐȍ ȖșȚȘȣȝ șȖșȚȖȧȕȐȑ ȗȘȐ ȏȈȉȖȓȍȊȈȕȐȧȝ ȗȈȘȈȌȖȕȚȈ. 7. ǹȒȖȘȈȧ ȔȍȌȐȞȐȕșȒȈȧ ȗȖȔȖȡȤ: 9 ȊȣȍȏȌ ȉȘȐȋȈȌȣ șȒȖȘȖȑ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ Ȓ ȔȍșȚț ȕȈȝȖȎȌȍȕȐȧ ȏȈșȚȘȈȝȖȊȈȕȕȖȋȖ; 9 ȗȘȖȊȍȌȍȕȐȍ ȕȍȖȉȝȖȌȐȔȖȑ ȥȒșȗȘȍșș-ȌȐȈȋȕȖșȚȐȒȐ; 9 ȥȒșȚȘȍȕȕȣȍ ȓȍȟȍȉȕȣȍ ȔȈȕȐȗțȓȧȞȐȐ; 9 ȥȒșȚȘȍȕȕȈȧ ȔȍȌȐȞȐȕșȒȈȧ ȚȘȈȕșȗȖȘȚȐȘȖȊȒȈ Ȋ șȚȈȞȐȖȕȈȘ. 8. ȅȒșȚȘȍȕȕȈȧ Ȑ ȗȓȈȕȖȊȈȧ ȋȖșȗȐȚȈȓȐȏȈȞȐȧ: ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ (ȚȍȘȈȗȍȊȚȐȟȍșȒȖȑ, ȝȐȘțȘȋȐȟȍșȒȖȑ Ȑ ȌȘ.) Ȋ țșȓȖȊȐȧȝ șȚȈȞȐȖȕȈȘȈ ȗȘȐ ȖșȚȘȣȝ ȏȈȉȖȓȍȊȈȕȐȧȝ, ȖȉȖșȚȘȍȕȐȧȝ ȝȘȖȕȐȟȍșȒȐȝ, ȖȚȘȈȊȓȍȕȐȧ Ȑ ȚȘȈȊȔȈȝ, țȋȘȖȎȈȦȡȐȝ ȎȐȏȕȐ ȉȖȓȤȕȖȋȖ Ȑ ȚȘȍȉțȦȡȐȝ ȐȕȚȍȕșȐȊȕȖȋȖ ȓȍȟȍȕȐȧ Ȑ ȒȘțȋȓȖșțȚȖȟȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ ȕȈȉȓȦȌȍȕȐȧ. 9. ǻșȓțȋȐ ȒȘțȋȓȖșțȚȖȟȕȖȋȖ ȞȍȕȚȘȈ ȗȖ ȖȘȋȈȕȐȏȈȞȐȐ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ: șȖȉșȚȊȍȕȕȈȧ șȓțȎȉȈ șȚȘȈȝȖȊȖȑ ȒȖȔȗȈȕȐȐ, ȖȉȍșȗȍȟȐȊȈȦȡȈȧ ȒȘțȋȓȖșțȚȖȟȕțȦ șȊȧȏȤ ș ȏȈșȚȘȈȝȖȊȈȕȕȣȔ Ȑ ȖȗȍȘȈȚȐȊȕȖ ȖȘȋȈȕȐȏȖȊȣȊȈȦȡȈȧ ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ Ȋ ȖȉȢȍȔȈȝ Ȑ ȒȈȟȍșȚȊȍ, șȖȖȚȊȍȚșȚȊțȦȡȐȔ țșȓȖȊȐȧȔ ȗȘȖȋȘȈȔȔȣ șȚȘȈȝȖȊȈȕȐȧ.
Ȼɟɪɟɦɟɧɧɨɫɬɶ ɢ ɪɨɞɵ ǷȘȖȋȘȈȔȔȈ ȗȘȍȌțșȔȈȚȘȐȊȈȍȚ ȗȘȖȊȍȌȍȕȐȍ ȒȖȔȗȓȍȒșȕȖȋȖ ȖȉșȓȍȌȖȊȈȕȐȧ Ȑ ȕȈȉȓȦȌȍȕȐȧ ȎȍȕȡȐȕ ȕȈ ȓȦȉȖȔ șȘȖȒȍ ȉȍȘȍȔȍȕȕȖșȚȐ ȗȍȘșȖȕȈȓȤȕȣȔ ȊȘȈȟȖȔ ȈȒțȠȍȘȖȔ-ȋȐȕȍȒȖȓȖȋȖȔ Ȑ ȊȒȓȦȟȈȍȚ Ȋ șȍȉȧ: 9 ȗȘȖȊȍȌȍȕȐȍ ȒȖȕșțȓȤȚȈȞȐȑ ȐȕȌȐȊȐȌțȈȓȤȕȖȋȖ ȊȘȈȟȈ ȈȒțȠȍȘȈ-ȋȐȕȍȒȖȓȖȋȈ; 9 ȖșȔȖȚȘȣ ȊȘȈȟȈȔȐ — șȗȍȞȐȈȓȐșȚȈȔȐ (ȚȍȘȈȗȍȊȚȖȔ, șȚȖȔȈȚȖȓȖȋȖȔ, ȖȒțȓȐșȚȖȔ, ȖȚȖȓȈȘȐȕȋȖȓȖȋȖȔ, ȝȐȘțȘȋȖȔ Ȑ ȋȍȕȍȚȐȒȖȔ);
ȗȘȖȊȍȌȍȕȐȍ ȒȖȔȗȓȍȒșȈ ȐȕșȚȘțȔȍȕȚȈȓȤȕȣȝ Ȑ ȓȈȉȖȘȈȚȖȘȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȝ ȔȍȘȖȗȘȐȧȚȐȑ, Ȋ ȟȈșȚȕȖșȚȐ: ǻǯ-ȐșșȓȍȌȖȊȈȕȐȧ, ȌȖȗȗȓȍȘȖȔȍȚȘȐȧ, ȊȕțȚȘȐțȚȘȖȉȕȈȧ ȅǽǶ-Dzǫ ȗȓȖȌȈ, ȖȗȘȍȌȍȓȍȕȐȍ ȋȘțȗȗȣ ȒȘȖȊȐ Ȑ Rh-ȜȈȒȚȖȘȈ, ȐșșȓȍȌȖȊȈȕȐȍ ȗȖ ȗȖȒȈȏȈȕȐȧȔ Rh-ȈȕȚȐȚȍȓ Ȑ ȚȐȚȘ Rh-ȈȕȚȐȚȍȓ, ȐșșȓȍȌȖȊȈȕȐȍ ȒȘȖȊȐ ȕȈ RW, Ǫǰǿ-ȐȕȜȍȒȞȐȦ, ȋȍȔșȐȕȌȘȖȔ, ȖȗȘȍȌȍȓȍȕȐȍ ȋȓȦȒȖȏȣ ȒȘȖȊȐ, ȒȓȐȕȐȟȍșȒȐȍ ȈȕȈȓȐȏȣ ȒȘȖȊȐ, ȐșșȓȍȌȖȊȈȕȐȧ ȔȖȟȐ, ȐșșȓȍȌȖȊȈȕȐȧ ȊȓȈȋȈȓȐȡȕȖȋȖ ȖȚȌȍȓȧȍȔȖȋȖ ȕȈ ȜȓȖȘț, Ȉ ȒȘȖȔȍ ȚȖȋȖ - ȖȗȘȍȌȍȓȍȕȐȍ ǽǫǿ Ȑ ǨǷǼ Ȋ ȒȘȖȊȐ, ȐșșȓȍȌȖȊȈȕȐȍ ȒȘȖȊȐ ȕȈ ǾǴǪ, ȋȍȘȗȍș, ȚȖȒșȖȗȓȈȏȔȖȏ, ȒȘȈșȕțȝț, ȊȓȈȋȈȓȐȡȕȖȋȖ ȖȚȌȍȓȧȍȔȖȋȖ ȕȈ ȝȓȈȔȐȌȐȖȏ, țȘȍȈȗȓȈȏȔȖȏ, ȔȐȒȖȗȓȈȏȔȖȏ, ȞȐȚȖȓȖȋȐȟȍșȒȖȍ ȐșșȓȍȌȖȊȈȕȐȍ ȊȓȈȋȈȓȐȡȕȖȋȖ ȔȈȏȒȈ, ȉȈȒȚȍȘȐȖȓȖȋȐȟȍșȒȖȍ ȐșșȓȍȌȖȊȈȕȐȍ.
Ɉɫɨɛɟɧɧɨɫɬɢ ɩɚɤɟɬɨɜ – ɧɚ ɱɬɨ ɨɛɪɚɬɢɬɶɜɧɢɦɚɧɢɟ ǷȘȐ ȊȣȉȖȘȍ ȗȖȓȐșȈ ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ ȕȍȖȉȝȖȌȐȔȖ ȖȉȘȈȚȐȚȤ ȊȕȐȔȈȕȐȍ ȕȍ ȚȖȓȤȒȖ ȕȈ șȖșȚȈȊ ȗȈȒȍȚȈ țșȓțȋ Ȑ ȕȈ ȍȋȖ șȚȖȐȔȖșȚȤ, ȕȖ Ȑ ȕȈ ȘȧȌ ȖșȖȉȍȕȕȖșȚȍȑ, ȒȖȚȖȘȣȍ ȖȉȣȟȕȖ ȕȍ ȜȐȋțȘȐȘțȦȚ Ȋ ȘȍȒȓȈȔȕȣȝ ȔȈȚȍȘȐȈȓȈȝ. ǻȏȕȈȚȤ Ȑȝ ȔȖȎȕȖ, ȚȖȓȤȒȖ ȊȕȐȔȈȚȍȓȤȕȖ ȐȏțȟȐȊ ȌȖȋȖȊȖȘ șȚȘȈȝȖȊȈȕȐȧ.
Package features – things to pay attention to Selecting the policy of voluntary health insurance requires the attention not only to the contents of service package and its cost, but also to the number of features that do not normally appear in promotional materials. You can get to know them by carefully studying the insurance contract.
Ɉɫɧɨɜɧɵɟ ɢɫɤɥɸɱɟɧɢɹ ɢɡ ɫɬɪɚɯɨɜɵɯɫɥɭɱɚɟɜ 1. ȓȦȉȣȍ ȔȍȌȐȞȐȕșȒȐȍ țșȓțȋȐ, ȕȍ ȗȘȍȌțșȔȖȚȘȍȕȕȣȍ ȗȘȖȋȘȈȔȔȖȑ Ȑ ȕȍ ȗȘȍȌȗȐșȈȕȕȣȍ ȊȘȈȟȖȔ; 2. ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ (ȗȖșȓȍ ȗȖșȚȈȕȖȊȒȐ ȌȐȈȋȕȖȏȈ) Ȋ șȊȧȏȐ ș ȖȉȘȈȡȍȕȐȍȔ ȗȖ ȗȖȊȖȌț: 9 ȏȓȖȒȈȟȍșȚȊȍȕȕȣȝ ȖȕȒȖȓȖȋȐȟȍșȒȐȝ ȏȈȉȖȓȍȊȈȕȐȑ Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;
The main insurance exclusions are as follows 1. any medical services not covered by the program and not prescribed by a doctor; 2. provision of health services (after establishing the diagnosis) related to the treatment of: 9 cancer diseases and their complications; 9 congenital and hereditary diseases,
congenital malformations of organs and
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 11
9 ȊȘȖȎȌȍȕȕȣȝ Ȑ ȕȈșȓȍȌșȚȊȍȕȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ, ȊȘȖȎȌȍȕȕȣȝ ȈȕȖȔȈȓȐȑ ȘȈȏȊȐȚȐȧ ȖȘȋȈȕȖȊ Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;
9 ȊȍȕȍȘȐȟȍșȒȐȝ ȏȈȉȖȓȍȊȈȕȐȑ, Ǫǰǿ-ȐȕȜȍȒȞȐȐ Ȑ ǹǷǰǬ Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;
9 ȥȗȐȓȍȗșȐȐ (ȗȍȘȊȐȟȕȖȑ Ȑ șȐȔȗȚȖȔȈȚȐȟȍșȒȖȑ), ȗșȐȝȐȟȍșȒȐȝ ȘȈșșȚȘȖȑșȚȊ Ȑ ȘȈșșȚȘȖȑșȚȊ ȗȖȊȍȌȍȕȐȧ, Ȋ ȚȖȔ ȟȐșȓȍ ȈȓȒȖȋȖȓȐȏȔȈ, ȕȈȘȒȖȔȈȕȐȐ, ȚȖȒșȐȒȖȔȈȕȐȐ, Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;
9 șȈȝȈȘȕȖȋȖ ȌȐȈȉȍȚȈ Ȑ ȍȋȖ ȖșȓȖȎȕȍȕȐȑ; 9 ȚțȉȍȘȒțȓȍȏȈ; 9 ȏȈȉȖȓȍȊȈȕȐȑ, șȖȗȘȖȊȖȎȌȈȦȡȐȝșȧ ȝȘȖȕȐȟȍșȒȖȑ ȗȖȟȍȟȕȖȑ Ȑ ȗȍȟȍȕȖȟȕȖȑ ȕȍȌȖșȚȈȚȖȟȕȖșȚȤȦ, ȚȘȍȉțȦȡȍȑ ȗȘȖȊȍȌȍȕȐȧ ȥȒșȚȘȈȒȖȘȗȖȘȈȓȤȕȣȝ ȔȍȚȖȌȖȊ ȓȍȟȍȕȐȧ;
9 ȖșȚȘȣȝ Ȑ ȝȘȖȕȐȟȍșȒȐȝ ȋȍȗȈȚȐȚȖȊ; 9 ȓțȟȍȊȖȑ ȉȖȓȍȏȕȐ; 9 ȌȐșȗȈȕșȍȘȕȖȋȖ ȖȉșȓȍȌȖȊȈȕȐȧ; 9 ȗȘȖȜȍșșȐȖȕȈȓȤȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ;
3. ȖȒȈȏȈȕȐȍ șȓȍȌțȦȡȐȝ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ: 9 țșȓțȋȐ ȗȖ ȗȓȈȕȐȘȖȊȈȕȐȦ șȍȔȤȐ, ȌȐȈȋȕȖșȚȐȒȈ Ȑ ȓȍȟȍȕȐȍ ȉȍșȗȓȖȌȐȧ (ȔțȎșȒȖȋȖ Ȑ ȎȍȕșȒȖȋȖ), șȍȒșțȈȓȤȕȣȍ ȘȈșșȚȘȖȑșȚȊȈ, ȐȔȗȖȚȍȕȞȐȧ;
9 ȋȍȕȍȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȌȐȈȋȕȖșȚȐȒȈ Ȑ ȓȍȟȍȕȐȍ ǯǷǷǷ: ȝȓȈȔȐȌȐȖȏ, țȘȍȈȗȓȈȏȔȖȏ, ȔȐȒȖȗȓȈȏȔȖȏ, ȚȘȐȝȖȔȖȕȐȈȏ, țȘȖȋȍȕȐȚȈȓȤȕȣȑ ȋȍȘȗȍș, ȞȐȚȖȔȍȋȈȓȖȊȐȘțș, ȋȈȘȌȕȍȘȍȓȓȍȏ, ȈȕȖȋȍȕȐȚȈȓȤȕȣȍ ȉȖȘȖȌȈȊȒȐ, ȌȖȖȉșȓȍȌȖȊȈȕȐȍ ȕȈ ȉȐȖȊȈȘȣ ȗȘȐ ȊȣȧȊȓȍȕȐȐ țȘȍȈȗȓȈȏȔȖȏȈ;
9 ȗȘȖȚȍȏȐȘȖȊȈȕȐȍ Ȋșȍȝ ȊȐȌȖȊ, Ȋ ȚȖȔ ȟȐșȓȍ ȚȘȈȕșȗȓȈȕȚȈȞȐȧ, ȏțȉȖȗȘȖȚȍȏȐȘȖȊȈȕȐȍ Ȑ ȗȖȌȋȖȚȖȊȒȈ Ȓ ȕȍȔț, ȊȒȓȦȟȈȧ țȌȈȓȍȕȐȍ Ȑ ȌȍȗțȓȤȗȐȘȖȊȈȕȐȍ ȏțȉȖȊ, ȏȈȔȍȕț șȚȈȘȣȝ ȗȓȖȔȉ ȉȍȏ ȔȍȌȐȞȐȕșȒȐȝ ȗȖȒȈȏȈȕȐȑ, ȓȍȟȍȕȐȍ ȗȈȘȖȌȖȕȚȖȏȈ, ȊȘȍȔȍȕȕȖȍ ȠȐȕȐȘȖȊȈȕȐȍ Ȑ ȗȘ.; ȊȖșșȚȈȕȖȊȓȍȕȐȍ ȘȈȏȘțȠȍȕȕȖȑ ȉȖȓȍȍ ȟȍȔ ȕȈ 50% ȒȖȘȖȕȒȐ ȏțȉȈ, ȐȔȗȓȈȕȚȈȞȐȧ ȏțȉȖȊ;
9 țșȓțȋȐ, ȖȒȈȏȣȊȈȍȔȣȍ Ȋ ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȝ Ȑ ȒȖșȔȍȚȐȟȍșȒȐȝ Ȟȍȓȧȝ: ȋȍȘȔȍȚȐȏȈȞȐȧ ȜȐșșțȘ, șȕȧȚȐȍ ȏțȉȕȣȝ ȖȚȓȖȎȍȕȐȑ, ȗȖȒȘȣȚȐȍ ȏțȉȖȊ ȜȚȖȘșȖȌȍȘȎȈȡȐȔȐ ȗȘȍȗȈȘȈȚȈȔȐ Ȑ ȓȈȒȈȔȐ Ȑ ȗȘ., ȒȖșȔȍȚȐȟȍșȒȖȍ ȊȖșșȚȈȕȖȊȓȍȕȐȍ ȏțȉȖȊ, Ȋ ȚȖȔ ȟȐșȓȍ ș ȗȘȐȔȍȕȍȕȐȍȔ ȊȐȕȐȘȖȊ Ȑ ȓȈȔȐȕȈȚȖȊ, ȖȚȉȍȓȐȊȈȕȐȍ ȏțȉȖȊ Ȑ ȗȘ.;
9 ȓȍȟȍȉȕȣȍ ȔȈȕȐȗțȓȧȞȐȐ ȕȈ ȏțȉȈȝ, ȗȖȒȘȣȚȣȝ ȖȘȚȖȗȍȌȐȟȍșȒȐȔȐ Ȑ ȖȘȚȖȌȖȕȚȐȟȍșȒȐȔȐ ȒȖȕșȚȘțȒȞȐȧȔȐ, țșȚȘȈȕȍȕȐȍ ȖȘȚȖȌȖȕȚȐȟȍșȒȐȝ ȕȈȘțȠȍȕȐȑ ț ȌȍȚȍȑ Ȑ ȊȏȘȖșȓȣȝ;
9 ȥȒșȚȘȈȒȖȘȗȖȘȈȓȤȕȣȍ ȔȍȚȖȌȣ ȓȍȟȍȕȐȧ, Ȋ
their complications; 9 sexually transmitted diseases, HIV
infection, AIDS and their complications; 9 epilepsy (primary and symptomatic),
mental disorders and behavioral disorders, including alcoholism, drug addiction, substance abuse, and their complications;
9 diabetes and its complications; 9 tuberculosis; 9 diseases with chronic renal and hepatic
failure, requiring extracorporal methods of treatment;
9 acute and chronic hepatitis; 9 radiation sickness; 9 dispensary examination; 9 occupational diseases;
3. provision of the following medical services: 9 family planning services, infertility
diagnosis and treatment (male and female), sexual disorders, impotence;
9 genetic studies; 9 diagnosis and treatment of STDs:
chlamydia, ureaplasmosis, mycoplasmosis, trichomoniasis, urogenital herpes, cytomegalovirus, gardnerellosis, anogenital warts, further biovar examination after the detection of ureaplasmosis;
9 prosthetics of all types, including transplants, prosthetic dentistry and its preparatory process, including the removal of teeth and their pulps, replacement of old fillings without medical indications, the treatment of periodontitis, temporary splinting and so forth; restoration of a 50 per cent damaged tooth crowns damaged, dental implants;
9 services provided with preventive and cosmetic purposes: sealing of fissures, the removal of dental plaque, teeth coating with fluoride varnishes, etc., cosmetic teeth restoration, including the use of veneers and laminates, teeth whitening, etc.;
9 medical manipulations on the teeth, adjusted with orthopedic and orthodontic appliances, the removal of orthodontic disorders from children and adults;
9 extracorporeal methods of treatment, including hemodialysis program, colon hydrotherapy, laser and intravenous ozone therapy, hyperbaric and normobaric oxygenation, hypoxia, plasmopheresis;
9 diagnosis, treatment, handling, operations, etc. to eliminate cosmetic defects, including the ones improving the psychological condition of the insured, on the skin and
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 12
ȚȖȔ ȟȐșȓȍ ȗȘȖȋȘȈȔȔȕȣȑ ȋȍȔȖȌȐȈȓȐȏ; ȋȐȌȘȖȒȖȓȖȕȖȚȍȘȈȗȐȧ; ȊȕțȚȘȐȊȍȕȕȈȧ ȓȈȏȍȘȖ- Ȑ ȖȏȖȕȖȚȍȘȈȗȐȧ; ȋȐȗȍȘȉȈȘȐȟȍșȒȈȧ Ȑ ȕȖȘȔȖȉȈȘȐȟȍșȒȈȧ ȖȒșȐȋȍȕȈȞȐȧ, ȋȐȗȖȒșȐȚȍȘȈȗȐȧ, ȗȓȈȏȔȖȜȍȘȍȏ;
9 ȌȐȈȋȕȖșȚȐȒȈ, ȓȍȟȍȕȐȍ, ȔȈȕȐȗțȓȧȞȐȐ, ȖȗȍȘȈȞȐȐ Ȑ ȗȘ. ȗȖ țșȚȘȈȕȍȕȐȦ ȒȖșȔȍȚȐȟȍșȒȐȝ ȌȍȜȍȒȚȖȊ, Ȋ ȚȖȔ ȟȐșȓȍ Ȋ Ȟȍȓȧȝ țȓțȟȠȍȕȐȧ ȗșȐȝȖȓȖȋȐȟȍșȒȖȋȖ șȖșȚȖȧȕȐȧ ȏȈșȚȘȈȝȖȊȈȕȕȖȋȖ; ȗȖ ȗȖȊȖȌț ȏȈȉȖȓȍȊȈȕȐȑ ȒȖȎȐ Ȑ ȊȖȓȖș, Ȉ ȚȈȒȎȍ șȒȓȍȘȖȚȍȘȈȗȐȧ Ȋȍȕ; ȒȖȘȘȍȒȞȐȧ ȊȍșȈ;
9 ȝȐȘțȘȋȐȟȍșȒȈȧ ȒȖȘȘȍȒȞȐȧ ȏȘȍȕȐȧ, Ȋ ȚȖȔ ȟȐșȓȍ ș ȗȘȐȔȍȕȍȕȐȍȔ ȓȈȏȍȘȈ, ȖȗȘȍȌȍȓȍȕȐȍ ȗȖȓȍȑ ȏȘȍȕȐȧ;
9 ȔȍȚȖȌȣ ȕȈȘȖȌȕȖȑ ȔȍȌȐȞȐȕȣ, ȐșȗȖȓȤȏțȍȔȣȍ ș ȞȍȓȤȦ ȌȐȈȋȕȖșȚȐȒȐ, ȓȍȟȍȕȐȧ Ȑ ȖȏȌȖȘȖȊȓȍȕȐȧ, țǻșȓțȋȐ, ȖȒȈȏȣȊȈȍȔȣȍ Ȋ ȖȏȌȖȘȖȊȐȚȍȓȤȕȣȝ Ȑ ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȝ Ȟȍȓȧȝ;
9 țșȓțȋȐ ȗșȐȝȐȈȚȘȈ; 9 țșȓțȋȐ ȋȍȕȍȚȐȒȈ; 9 ȊȈȒȞȐȕȈȞȐȧ (ȒȘȖȔȍ ȥȒșȚȘȍȕȕȖȑ ȗȘȖȜȐȓȈȒȚȐȒȐ șȚȖȓȉȕȧȒȈ);
9 ȔȍȌȐȞȐȕșȒȖȍ ȖșȊȐȌȍȚȍȓȤșȚȊȖȊȈȕȐȍ Ȑ ȖȜȖȘȔȓȍȕȐȍ șȗȘȈȊȖȒ: Ȍȓȧ ȕȖȠȍȕȐȧ ȖȘțȎȐȧ, ȈȊȚȖȊȖȎȌȍȕȐȧ, Ȍȓȧ ȏȈȋȘȈȕȒȖȔȈȕȌȐȘȖȊȒȐ, ȗȖșȚțȗȓȍȕȐȧ Ȋ țȟȍȉȕȣȍ ȏȈȊȍȌȍȕȐȧ Ȑ ȖȜȖȘȔȓȍȕȐȧ ȕȈ ȘȈȉȖȚț ȗȖ ȜȖȘȔȍ 086-ț;
9 ȕȍ ȖȗȓȈȟȐȊȈȍȚșȧ șȚȘȈȝȖȊȡȐȒȖȔ șȚȖȐȔȖșȚȤ ȚȘȈȕșȗȓȈȕȚȈȕȚȖȊ, ȗȘȖȚȍȏȖȊ, ȥȕȌȖȗȘȖȚȍȏȖȊ, ȐȔȗȓȈȕȚȈȕȚȖȊ Ȑ ȘȧȌȈ ȌȘțȋȐȝ ȈȕȈȓȖȋȐȟȕȣȝ ȔȍȌȐȞȐȕșȒȐȝ ȐȏȌȍȓȐȑ, Ȉ ȚȈȒȎȍ ȘȈșȝȖȌȣ ȕȈ ȗȘȐȖȉȘȍȚȍȕȐȍ ȔȍȌȐȞȐȕșȒȖȋȖ ȖȉȖȘțȌȖȊȈȕȐȧ, ȖȟȒȖȊȖȑ ȖȗȚȐȒȐ, șȓțȝȖȊȣȝ ȈȗȗȈȘȈȚȖȊ Ȑ ȔȍȌȐȞȐȕșȒȐȝ ȐȏȌȍȓȐȑ, ȗȘȍȌȕȈȏȕȈȟȍȕȕȣȝ Ȍȓȧ țȝȖȌȈ ȏȈ ȉȖȓȤȕȣȔȐ ȗȘȐ ȓȦȉȣȝ ȏȈȉȖȓȍȊȈȕȐȧȝ;
9 ȈȓȓȍȘȋȖȌȐȈȋȕȖșȚȐȒȈ; ȐȔȔțȕȖȓȖȋȐȟȍșȒȐȍ Ȑ ȋȖȘȔȖȕȈȓȤȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ; ǷǾǸ ȌȐȈȋȕȖșȚȐȒȈ; ȓȈȉȖȘȈȚȖȘȕȈȧ ȌȐȈȋȕȖșȚȐȒȈ ȊȐȘțșȕȖȋȖ ȋȍȗȈȚȐȚȈ; ȌȖȗȖȓȕȐȚȍȓȤȕȣȍ ȓȈȉȖȘȈȚȖȘȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȗȘȖȊȖȌȐȔȣȍ țȟȘȍȎȌȍȕȐȍȔ, ȕȍ ȊȝȖȌȧȡȐȍ Ȋ șȚȘțȒȚțȘț ǼȍȌȍȘȈȓȤȕȖȋȖ ǫȖșțȌȈȘșȚȊȍȕȕȖȋȖ ǻȗȘȈȊȓȍȕȐȧ.
hair, as well as vein sclerotherapy; weight correction;
9 surgical vision correction, including one using laser, the confrontation;
9 standard practice medicine, used for diagnosis, treatment and rehabilitation, services provided for health and preventive purposes;
9 psychiatrist services; 9 geneticist services; 9 vaccinations (except for emergency
prevention of Tetanus); 9 medical evaluation and issuing licenses for:
weapons-bearing, driving, for trips abroad, admission to educational institutions and work based on form No 086-U;
9 the insurer does not pay the cost of transplants, prostheses, endoprostheses, implants and many other similar medical devices, as well as the cost of purchasing medical equipment, optics, hearing aids and medical devices designed to care for any disease;
9 allergy diagnosis, immunological and hormonal studies, PCR diagnosis, laboratory diagnosis of viral hepatitis; additional laboratory studies conducted by the institutions, not belonging to the structure of the Federal Public Administration.
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 13
ɉɊɂɅɈɀȿɇɂȿ 1. Ɉɛɳɢɣ ɩɟɪɟɱɟɧɶ ɤɨɦɩɚɧɢɣ, ɪɚɛɨɬɚɸɳɢɯ ɧɚ ɪɵɧɤɟ ȾɆɋ ɢ ɢɯ ɫɛɨɪɵ ɜ 1 ɤɜɚɪɬɚɥɟ 2010 ɝ.
Appendix 1. The total list of companies operating in the VHI market and their charges in the 1st quarter of 2010
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
ǹǶǫǨǯ ǴȖșȒȊȈ 11 310 432
ǸǶǹǵǶ ǴȖșȒȊȈ 3 256 200
ǨdzȄǼǨǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 1 964 002
ǰǵǫǶǹǹǺǸǨǽ ǴȖșȒȊȈ 1 840 364
ǸǭǹǶ-ǫǨǸǨǵǺǰȇ ǴȖșȒȊȈ 1 668 151
ǮǨǹǶ ǴȖșȒȊȈ 1 492 442
ǺǸǨǵǹǵǭǼǺȄ ǴȖșȒȊȈ 1 422 414
ǹǻǸǫǻǺǵǭǼǺǭǫǨǯ ǹțȘȋțȚ 1 213 622
DzǨǷǰǺǨdz ǹǺǸǨǽǶǪǨǵǰǭ DzȖȋȈȓȣȔ 1 119 308
ǴǨDzǹ ǴȖșȒȊȈ 1 005 911
ǪǶǭǵǵǶ-ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǴȖșȒȊȈ 875 865
ǸǶǹǫǶǹǹǺǸǨǽ ǴȖșȒȊȈ 867 458 ǫǸǻǷǷǨ ǸǭǵǭǹǹǨǵǹ ǹǺǸǨǽǶǪǨǵǰǭ
ǴȖșȒȊȈ 749 389
ǰǵǵǶǫǨǸǨǵǺ ǴȖșȒȊȈ 539 584
ǻǸǨdzǹǰǩ ǴȖșȒȊȈ 505 392
ǿǻdzǷǨǵ ǨȓȤȔȍȚȤȍȊșȒ 402 134
ǴǭǬȅDzǹǷǸǭǹǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
385 462
ǹǶǫdzǨǹǰǭ ǴȖșȒȊȈ 371 481
ȅǵǭǸǫǶǫǨǸǨǵǺ ǴȖșȒȊȈ 342 957
ǷǸǶǫǸǭǹǹ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 338 521
ȆǫǶǸǰȇ ǽȈȕȚȣ-ǴȈȕșȐȑșȒ
293 957
ǸǶǹǹǰȇ ǴȖșȒȊȈ 248 141
ǶǸǨǵǺǨ ǴȖșȒȊȈ 231 627
ǬǨǸ-ǴǶǹDzǪǨ ǴȖșȒȊȈ 223 803
ǪǺǩ ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 178 083
ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ ǴǹDz ǴȖșȒȊȈ 150 607
ǸǭǫǰǶǵ ǹǶȆǯ ǴȖșȒȊȈ 149 009
ǹDz ǨdzǸǶǹǨ ǴȖșȒȊȈ 141 749
ǹǷǨǹǭǵǰǭ DzȈȏȈȕȤ 140 212
ǮǨǹǶ dzǰǺǭǸ-ǷǶdzǰǹ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 140 090
ǴǻdzȄǺǰǷǶdzǰǹ ǴȖșȒȊȈ 137 435
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 14
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *) ǨdzǰDzǶ ǴȖșȒȊȈ 130 939
ǹǷǨǹǹDzǰǭ ǪǶǸǶǺǨ ǴȖșȒȊȈ 125 312
ǶǺǭǿǭǹǺǪǶ ǴȖșȒȊȈ 121 926
ǨǪǸǶǸǨ-ǫǨǸǨǵǺ ǪȐȌȕȖȍ 121 483
DzǨǷǰǺǨdz-ǷǶdzǰǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
118 244
ǫǻǺǨ-ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 117 682
ǹǰǩǰǸǹDzǰDZ ǹǷǨǹ ǵȖȊȖȒțȏȕȍȞȒ 116 611
ǰǵǪǭǹǺǰǾǰǰ ǰ ǼǰǵǨǵǹȃ ǴȖșȒȊȈ 116 179
ȇDzǶǸȄ ǴȖșȒȊȈ 111 922
ǷǭǸǪǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǴȖșȒȊȈ 100 024
ǸǶǹǺǸǨ ǴȖșȒȊȈ 97 909 ǵǨǾǰǶǵǨdzȄǵǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ
ǬȖȓȋȖȗȘțȌȕȣȑ 94 870
ǴǭǮǸǭǫǰǶǵǫǨǸǨǵǺ ǹȈȓȍȝȈȘȌ 86 590 ǵǭǯǨǪǰǹǰǴǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ
ǴȖșȒȊȈ 78 585
ǹǶǫdzǨǹǰǭ-ǪǰǺǨ ǴȖșȒȊȈ 78 300
ǨǹDzǶ ǵȈȉȍȘȍȎȕȣȍ ǿȍȓȕȣ
76 789
ǺǸǨǵǹǨǺdzǨǵǺǰDz ǫǸǻǷ ǴȖșȒȊȈ 75 086
ǹǰǩǰǸȄ DzȍȔȍȘȖȊȖ 73 452
ȅǸǫǶ ǸǻǹȄ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
72 125
ȀǨǵǹ dzȐȗȍȞȒ 71 938
ǹǶǾǰǻǴ ǴȖșȒȊȈ 67 274 ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ DzǶǴǭǹǺǸǨ
DzȍȔȍȘȖȊȖ 66 279
ǸǻǹǹDzǰDZ ǹǺǸǨǽǶǪǶDZ ǾǭǵǺǸ ǴȖșȒȊȈ 58 639
ǫǹǴDz DzȍȔȍȘȖȊȖ 58 136
ǾȆǸǰǽ ǴȖșȒȊȈ 55 289
ǨdzdzǭǫǨ ǴȖșȒȊȈ 52 724
ǨǹDzǶǴǭǬ ǹȈȔȈȘȈ 52 087
ǫǻǩǭǸǵǹDzǨȇ ǵȖȊȖșȐȉȐȘșȒ 49 935
ǴǭǬǾǭǵǺǸǹǺǸǨǽ ǴȖșȒȊȈ 47 564
ǻǫǴDz-ǴǭǬǰǾǰǵǨ ǭȒȈȚȍȘȐȕȉțȘȋ 46 933
ǷǨǸǰǺǭǺ-ǹDz ǴȖșȒȊȈ 46 743
ǴǶǹDzǶǪǹDzǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ
ǴȖșȒȊȈ 46 279
ǬǨdzȄǮǨǹǶ ǽȈȉȈȘȖȊșȒ 46 229
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 15
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
ǹǴDz ǨǹDz-ǴǭǬ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
45 267
ǹǭǴǭDZǵǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ
ǴȖșȒȊȈ 44 846
ǪǵǭȀȅDzǶǵǶǴǹǺǸǨǽ ǴȖșȒȊȈ 44 564
dzǶDZǬ-ǹǰǺǰ ǴȖșȒȊȈ 42 909
ǹǶdzǰǬǨǸǵǶǹǺȄ Ǭdzȇ Ǯǰǯǵǰ ǴȖșȒȊȈ 41 572
ǨǹǺǸǨ-ǴǭǺǨdzdz ǴȈȋȕȐȚȖȋȖȘșȒ 37 893
ǰǵǼǰǹǺǸǨǽ ǴȖșȒȊȈ 37 186
ǸǶǹǵǶ-Ǵǹ ǴȖșȒȊȈ 35 033
ǭǪǸǶǷǭDZǹDzǶǭ ǺǻǸǰǹǺǰǿǭǹDzǶǭ ǹǺǸǨǽǶǪǨǵǰǭ
ǴȖșȒȊȈ 33 816
ǩǩ-ǯǬǶǸǶǪȄǭ ǭȒȈȚȍȘȐȕȉțȘȋ 32 879
ǩǨǹDz ǴȖșȒȊȈ 30 928
ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǻǹǷǭǽ ǴȖșȒȊȈ 30 641
DzǰǺ ǼǰǵǨǵǹ ǹǺǸǨǽǶǪǨǵǰǭ (ǶǨǶ)
ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
30 356
ǴǹDz ǹǺǸǨǮ ǸȧȏȈȕȤ 30 309
ǸǻǹǹDzǰǭ ǹǺǸǨǽǶǪȃǭ ǺǸǨǬǰǾǰǰ ǴȖșȒȊȈ 28 712
ǩǰǪǰǺǨ ǩȍȓȖȊȖ 27 605
ǴǹDz-ǹǺǨǵǬǨǸǺ ǴȖșȒȊȈ 27 087
ǨǷǶǫǭDZ ǴǭǬ ǴȖșȒȊȈ 26 847
ǵǰDz ǻȓȤȧȕȖȊșȒ 26 777
ǷǶdzǰǹ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 26 355
ǨǹǺǶǸ ǶȔșȒ 26 058
ǬǨdzȄ-ǸǶǹǴǭǬ ǽȈȉȈȘȖȊșȒ 25 385
ǹǷǨǹǹDzǰǭ ǪǶǸǶǺǨ-Ǵ ǴȖșȒȊȈ 25 043 ǴǭǮǬǻǵǨǸǶǬǵǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ
ǴȖșȒȊȈ 24 811
ǼȄǶǸǬ ǴȖșȒȊȈ 24 276
ǴǭǫǨǸǻǹǹ-Ǭ ǴȖșȒȊȈ 23 829 ǸǶǹǹǰDZǹDzǨȇ ǵǨǾǰǶǵǨdzȄǵǨȇ ǹDz
ǴȖșȒȊȈ 23 811
ǷǨǵǨǾǭȇ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 23 417
ǫǨDZǬǭ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
23 235
ǪǰǺǨdz-ǷǶdzǰǹ ǴȖșȒȊȈ 22 162
ǫǨǸǴǭǬ ǴȖșȒȊȈ 22 018
ǨǹǹǺǸǨ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 21 627
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 16
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *) ǶǹǵǶǪǨ ǴȖșȒȊȈ 21 548
ǷǨǸǰ ǴȖșȒȊȈ 21 275
ǸǹǺDz ǽȐȔȒȐ 21 106
ǵǹǫ-ǸǶǹȅǵǭǸǫǶ ǫȖȘȕȖ-ǨȓȚȈȑșȒ 20 681
ǵǨǬǭǮǬǨ DzȘȈșȕȖȧȘșȒ 20 181
ǹǷdzǨǪ-Ǵǰǹ ǭȒȈȚȍȘȐȕȉțȘȋ 19 754
ǨǸǰǨǬǵǨ ǴȖșȒȊȈ 19 638
ǼǭǬǭǸǨdzȄǵǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ
ǴȖșȒȊȈ 19 493
ǹǺǸǨǺǭǫǰȇ DzȘȈșȕȖȋȖȘșȒ 19 476
ǹǰǩǰǸǹDzǰDZ ǹǺǸǨǽǶǪǶDZ ǾǭǵǺǸ ǵȖȊȖșȐȉȐȘșȒ 18 994
ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǸǶǹǺ DzȍȔȍȘȖȊȖ 18 630
ǪǶǹǺǹǰǩǮǨǹǶ ǰȘȒțȚșȒ 18 154
ǹǨǽǨǴǭǬǹǺǸǨǽ ȇȒțȚșȒ 17 981
ǨǬǶǵǰǹ ǷȍȘȔȤ 17 762
ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǹǪȇǺǶǫǶ ǨǵǬ
ǴȖșȒȊȈ 17 542
ǰǵǺǭǸǴǭǬǰǨǷǶdzǰǹ ǴȖșȒȊȈ 16 999
ǹǺǸǨǽǶǪȃǭ ǰǵǪǭǹǺǰǾǰǰ ǻȜȈ 16 883
ǹDz ǴǨǹǺǭǸ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 16 753
ǪǹDz-ǴǰdzǶǹǭǸǬǰǭ ǴȖșȒȊȈ 15 317
ǨǪǨǵǫǨǸǬ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 15 096
ǿǻǪǨȀǰȇ-ǴǭǬ ǿȍȉȖȒșȈȘȣ 14 731
ǹǪȇǺǶǫǶǸ ȁȍȓȒȖȊȖ 14 217 ǴǭǮǶǺǸǨǹdzǭǪǶDZ ǹǺǸǨǽǶǪǶDZ ǾǭǵǺǸ
ǴȖșȒȊȈ 12 828
ǺǰǺ ǴȖșȒȊȈ 12 686
ǹǰǴǨǯ-ǴǭǬ ǵȖȊȖșȐȉȐȘșȒ 12 534
DzǨǷǰǺǨdz.dzDz ǴȖșȒȊȈ 12 516
ǫǭǼǭǹǺ ǴȖșȒȊȈ 12 283
ǨǹDzǶ-ǪǨǯ ǺȖȓȤȧȚȚȐ 11 881
ǨDz ǩǨǸǹ-ǴǭǬ DzȈȏȈȕȤ 11 617
ǸǭǫǰǶǵǫǨǸǨǵǺ ǴȖșȒȊȈ 11 478
ǷǶǬǴǶǹDzǶǪȄǭ ǷȖȌȖȓȤșȒ 11 116
DzǸǻǰǯ-ǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
11 032
ǫǭǶǷǶdzǰǹ ǴȖșȒȊȈ 10 915
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 17
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *) ǴǭǬǹǺǸǨǽ ǴȖșȒȊȈ 10 802
ǪǶǯǸǶǮǬǭǵǰǭ-DzǸǭǬǰǺ DzȘȈșȕȖȧȘșȒ 10 781
ǨǹDzǶ-ǾǭǵǺǸ DzțȘșȒ 10 256
ǴǭǬǰǵDzǶǴ ǭȒȈȚȍȘȐȕȉțȘȋ 10 251
ǬǨǹDz ǪȓȈȌȐȊȖșȚȖȒ 10 240
ǴǭǫǨǷǶdzǰǹ ǴȖșȒȊȈ 10 219
ǺǸǨǵǹǵǨǾǰǶǵǨdzȄǵǨȇ ǹDz ǴȖșȒȊȈ 10 147
ǪǰǺǨ ǴǺ ǩȈȘȕȈțȓ 10 119
ǨǬǪǨǵǺ-ǹǺǸǨǽǶǪǨǵǰǭ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
9 857
ǨǪǭǹǺǨ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
9 698
ȆǮǻǸǨdzǮǨǹǶ ǿȍȓȧȉȐȕșȒ 9 668
ǨǹDzǶ ǹDzȅdz ǷdzȆǹ ǵȖȊȖșȐȉȐȘșȒ 9 254
ǮǨǹǶ-Ǵ DzȍȔȍȘȖȊȖ 9 230
dzǭDzǹǫǨǸǨǵǺ ǴȖșȒȊȈ 8 806
ǶǺǿǰǯǵǨ DzȍȔȍȘȖȊȖ 8 694
ǷǸǶǫǸǭǹǹ ǴȖșȒȊȈ 8 399
ǵǨǹDzǶ ǺǨǺǨǸǹǺǨǵ DzȈȏȈȕȤ 8 201
ǨǫǸǰǫǨ ǴȖșȒȊȈ 8 095
ǫǶǸǶǬǹDzǨȇ ǹǺǸǨǽǶǪǨȇ ǴǭǬǰǾǰǵǹDzǨȇ DzǶǴǷǨǵǰȇ
ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
8 000
ǭǸǴǨDz ǫȖȘȕȖ-ǨȓȚȈȑșȒ 7 988
ǴǶǹDzǶǪǰȇ ǺȘȖȐȞȒ 7 888
ǸǶǹǴǭǬ ǴȖșȒȊȈ 7 451 ǵǨǾǰǶǵǨdzȄǵȃDZ ǹǺǸǨǽǶǪǶDZ ǬǶǴ
DzȘȈșȕȖȋȖȘșȒ 7 353
ǬǭǸǮǨǪǨ ǴȖșȒȊȈ 7 269
ǸǭǫǰǶǵǨdzȄǵȃDZ ǨdzȄȇǵǹ ǴȖșȒȊȈ 7 111
ǶǸǩǰǺǨ ǴȖșȒȊȈ 6 547
ǫǻǩǭǸǵǹDzǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ DzǻǯǩǨǹǹǨ
DzȍȔȍȘȖȊȖ 6 518
ǹǰǩǰǸȄ-ǷǶdzǰǹ ǩȈȘȕȈțȓ 6 401
ǪǶǹǺǶǿǵǶ-ǹǺǸǨǽǶǪǶDZ ǨdzȄȇǵǹ ǪȓȈȌȐȊȖșȚȖȒ 6 304
ǰǵǼǶǸǴǹǺǸǨǽ ǴȖșȒȊȈ 6 228
ǨǹDz-ǷǭǺǭǸǩǻǸǫ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
6 186
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 18
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *) ǩdzǶDz-ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 6 043
ǨǼǭǹ ǴȖșȒȊȈ 5 999
ȆǫǶǸǰȇ-ǴǭǬ ǽȈȕȚȣ-ǴȈȕșȐȑșȒ
5 677
ȅDzǹǷǸǭǹǹ ǫǨǸǨǵǺ ǭȒȈȚȍȘȐȕȉțȘȋ 5 559
ǪǰǸǰdzǰǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
5 486
ǰǵǪǭǹǺǹǺǸǨǽ ǴȖșȒȊȈ 5 268
ǺǨǫǨǵǨDZ-ǨǹDzǶ ǹȈȚȒȈ 5 240
ǻǵǰǪǭǸǹǨdzǬǰǨdzǶǫ ǴȖșȒȊȈ 5 161
ǨǸǹǭǵǨdzȂ ǴȖșȒȊȈ 5 070
ǴǭǬ-ǫǨǸǨǵǺ ǩȈȓȈȠȐȝȈ 4 980
ǷǸǭǹǺǰǮ-ǷǶdzǰǹ ǴȖșȒȊȈ 4 949
ǺǸǰǨǬǨ ǪȖȓȖȒȖȓȈȔșȒ 4 949
ǬǶǸǴǭǬǹǭǸǪǰǹ ǭȒȈȚȍȘȐȕȉțȘȋ 4 941
ǹǺǸǨǽǶǪȃǭ ǺǭǽǵǶdzǶǫǰǰ ǽǽI ǪǭDzǨ
ǴȖșȒȊȈ 4 927
ǹǺǭǸǽ ȇȒțȚșȒ 4 862
ǫǭdzǰǶǹ ǴȖșȒȊȈ 4 858
ǺȆǴǭǵȄ-ǷǶdzǰǹ ǺȦȔȍȕȤ 4 840
ǨǬǴǰǸǨdz ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 4 778
ȅǪǭǸǭǹǺ ǰȘȒțȚșȒ 4 748
DzǶǸǷǶǸǨǾǰȇ ǴǭǬǰǾǰǵǹDzǶǫǶ ǹǺǸǨǽ
DzȘȈșȕȖȧȘșȒ 4 665
ȆǮǻǸǨdz-ǨǹDzǶ ǿȍȓȧȉȐȕșȒ 4 650
ǸǭǹǷǭDzǺ-ǷǶdzǰǹ ǽȐȔȒȐ 4 581
ǸǹǨ ǰǵǺǭǸ-ǷǶdzǰǹ ǴȖșȒȊȈ 4 543
ȅDzǰǷ ǴȖșȒȊȈ 4 540
ǷǻdzȄǹ ǭȒȈȚȍȘȐȕȉțȘȋ 4 341
ǯǨȁǰǺǨ-ǷǨdzdzǨǬǨ ǪȓȈȌȐȊȖșȚȖȒ 4 318
DzǶǪǿǭǫ ǴȖșȒȊȈ 4 199
ǴǭǹDzǶ ǴȖșȒȊȈ 4 198
ǹǨǵǨ ǺȦȔȍȕȤ 4 164
ǻǸǨdz-Ǩǰdz ǷȍȘȔȤ 4 128
ǸǶǹdzǭǹ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 4 049
ǫǨdzǨDzǺǰDzǨ ǴȖșȒȊȈ 4 023
ǰǵǺǭǸǷǶdzǰǹǺǸǨǹǺ ǴȖșȒȊȈ 4 015
ǸǭǫǰǶǵ ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 4 008
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 19
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
ȆǮǵȃDZ ǫǶǸǶǬ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 4 004
ǴǭǮǩǨǵDzǶǪǹDzǨȇ ǸǭǫǰǶǵǨdzȄǵǨȇ ǹDz
ǴȖșȒȊȈ 3 954
ǰǵDzǨǹǹǺǸǨǽ ǹȈȔȈȘȈ 3 905
ǷǶǬǬǭǸǮDzǨ ǿȍȉȖȒșȈȘȣ 3 856
ǿǻǪǨȀǹDzǨȇ ǴǹDz ǵȖȊȖȟȍȉȖȒșȈȘșȒ 3 800
ǪǭǹǺǨ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
3 798
ǨDZǵǰ DzȈȓȐȕȐȕȋȘȈȌ Ȗȉȓ.
3 718
ǬǨdzȄǨDzǼǭǹ ǪȓȈȌȐȊȖșȚȖȒ 3 691
ǹǨǴǨǸǨ-ǴǭǬ ǹȈȔȈȘȈ 3 687 ǹǭǪǭǸǵǶǭ ǹǺǸǨǽǶǪǶǭ ǶǩȁǭǹǺǪǶ
ǴȖșȒȊȈ 3 621
ǹǴǷ-ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 3 605
ǫǨǸǨǵǺ-ǴǭǬ ǺțȓȈ 3 494
ȀǭDzǹǵǨ-Ǵ ǿȍȘȍȗȖȊȍȞ 3 400
ǩǸǰǺǨǵǹDzǰDZ ǹǺǸǨǽǶǪǶDZ ǬǶǴ ǴȖșȒȊȈ 3 369
DzǶǴǭǹǺǸǨ-ǺǶǴȄ ǺȖȔșȒ 3 337
ǬǨdzȄdzǭǹǹǺǸǨǽ ǽȈȉȈȘȖȊșȒ 3 313
ǻǪǭǸǭǵ.Ǹǻ ǭȒȈȚȍȘȐȕȉțȘȋ 3 212
ǷdzǨǵǭǺǨ Ǽ ǴȖșȒȊȈ 3 183
ǬǰǨǵǨ ǨȕȋȈȘșȒ 3 165
ǨDzǺǰǪ ǴȖșȒȊȈ 3 145
ǹǺǸǨǽǶǪǨȇ ǩǰǯǵǭǹ ǫǸǻǷǷǨ ǪȖȘȖȕȍȎ 3 080
ǹǷǶǸǺǹǺǸǨǽǶǪǨǵǰǭ ǪȖșȒȘȍșȍȕșȒ 2 964
ȅdzǰǺǨ ǴȖșȒȊȈ 2 889
ǴǨǹDzǰ ǰȘȒțȚșȒ 2 832
ǨǹǺǸǶ-ǪǶdzǫǨ ǺȖȓȤȧȚȚȐ 2 774
ǨDzǶǴǹ ǽȖȓȔșȒ 2 651
ǨǹǶǷǶ-ǮǰǯǵȄ ǵȖȊȖșȐȉȐȘșȒ 2 649
ȅDzǶǼǶǵǬ ȇȘȖșȓȈȊȓȤ 2 617
ǨǸǺǭDzǹ ǪȖȓȖȋȌȈ 2 576
ǨdzȄǴǭǬǨ ǪȖȘȖȕȍȎ 2 514
ǪǰǺǨ ǿȐȚȈ 2 491
ǨǪǰǹǺǨ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 2 462
ǰǺǰdzȄ DzȈȏȈȕȤ 2 452
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 20
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
DzǶǴǷǨǵǰȇ ǷǸǶǴȃȀdzǭǵǵǶ-ǺǶǸǫǶǪǶǫǶ
ǵȖȊȖȒțȏȕȍȞȒ 2 294
dzǰǷǭǾDz dzȐȗȍȞȒ 2 246
ǺǰǸǻǹ ǪȍȘȝȕȧȧ ǹȈȓȌȈ 2 238
ǸǭǨdz DzȘȈșȕȖȋȖȘșȒ 2 179
ǸǭǹǶ-ǴǭǬ ǷȈȊȓȖȊșȒȐȑ ǷȖșȈȌ
2 176
ǰǹDz ǭǪǸǶ-ǷǶdzǰǹ ǴȖșȒȊȈ 2 134
ǺǭǽǵǶǷǶdzǰǹ ǭȒȈȚȍȘȐȕȉțȘȋ 2 125
ǵǰDzǨ ǷdzȆǹ ǴȖșȒȊȈ 2 067
ǰǵDzǶ-ǴǭǬ ǪȖȘȖȕȍȎ 2 018
ǴǹDz ǪǰǸǴǭǬ ǺțȓȈ 2 004
ǹǻǸǫǻǺǵǭǼǺǭǫǨǯ-ǮǰǯǵȄ ǹțȘȋțȚ 2 000
ǩǭdzǶDzǨǴǭǵǵǨȇ ǴȖșȒȊȈ 1 923
ǻǸǨdzǹǰǩ DzȓȐȔȖȊșȒ 1 903
ǨǴ-ǷǶdzǰǹ ǴȖșȒȊȈ 1 770
ǨǹǺȅDz-ǴǭǬ ǵȈȌȣȔ 1 707
ǷǶdzǰǹ-ǹǭǸǪǰǹ ǴȖșȒȊȈ 1 675
ǬǨdzȄǸǭǯǭǸǪ ǽȈȉȈȘȖȊșȒ 1 651
ǨǪǰDzǶǹ ǴȖșȒȊȈ 1 595
ǬǨdzȄǹǨǶǸ ǪȓȈȌȐȊȖșȚȖȒ 1 583
ǹǺǸǶDZǹǺǸǨǽ ǴǪDzǹ ǴȖșȒȊȈ 1 577
ǮǨǹǶ ǹȈȘȈȚȖȊ 1 393
ȅDzǶ-ǹǼǰǵDzǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
1 318
ǿǻdzǷǨǵ-ǴǭǬ ǨȓȤȔȍȚȤȍȊșȒ 1 245
ȇǸǶǹdzǨǪǵǨ ǴȖșȒȊȈ 1 234
DzdzǻǪǭǸ ǹȈȘȈȚȖȊ 1 064
ǸǶǹǰǵǪǭǹǺ ǴȖșȒȊȈ 1 024
ǯǨȁǰǺǨ-ǵǨǽǶǬDzǨ ǵȈȝȖȌȒȈ 971
ǩǹDz ǸǭǯǶǵǨǵǹ ǻȜȈ 963
ǹǶǵǫǸǨ ǴȖșȒȊȈ 950
ǻǵǰǪǭǸǹ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 934
ǨǹDzǶ-ǷǸǶǼ ǷȘȖȒȖȗȤȍȊșȒ 913
ǰǵǭǸǺǭDz ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
900
ǻǸǨdz-ǸǭǾǭǷǺ Ǵ ǭȒȈȚȍȘȐȕȉțȘȋ 888
ǹDz ǰǺǺǨ ǴȖșȒȊȈ 877
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 21
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
ǸǻǹǹDzǰDZ ǹǺǸǨǽǶǪǶDZ ǨdzȄȇǵǹ ǴȖșȒȊȈ 875
ǻǫǴDz-ǹǺǸǨǽǶǪǨǵǰǭ ǭȒȈȚȍȘȐȕȉțȘȋ 826
ǰDzǨǸ ǴȖșȒȊȈ 752
DzǶdzȃǴǹDzǨȇ ǽȈȉȈȘȖȊșȒ 743
DzǶǴǼǶǸǺ ǫǨǸǨǵǺ DzȈȓȐȕȐȕȋȘȈȌ Ȗȉȓ.
712
ǨǼǰǵǨ ǭȒȈȚȍȘȐȕȉțȘȋ 693
DzǶǴǷǨǵȄǶǵ ǹȈȔȈȘȈ 665
ǪǭǹǺ-ǨDzǸǨǹ ǪȖȓȎșȒȐȑ 661 ǮǭdzǭǯǵǶǬǶǸǶǮǵȃDZ ǹǺǸǨǽǶǪǶDZ ǼǶǵǬ
ǵȐȎȕȐȑ ǵȖȊȋȖȘȖȌ
630
ǹǺǶdzǭǺ ǶȘȍȝȖȊȖ-ǯțȍȊȖ 625
ǪǭǸǺǰDzǨdzȄ ǴȖșȒȊȈ 612
ǨǺǶǴǴǭǬ ǴȖșȒȊȈ 585
ǹǶǿǰ-ǫǨǸǨǵǺ ǹȖȟȐ 585
ǬǨdzȄǹǺǨǸ ǪȓȈȌȐȊȖșȚȖȒ 548
ǷǸǶǴǰǵǹǺǸǨǽ ǴȖșȒȊȈ 533
ȆǵǰǺǰ Ǹǭ ǴȖșȒȊȈ 521
DzǨǹDzǶ-dz dzȐȗȍȞȒ 512
DzǨǷǰǺǨdz-ǸǭǯǭǸǪ ǴȖșȒȊȈ 477
ǹǭǪǭǸ ǷǶdzǰǹ ǺȦȔȍȕȤ 475
ǨǬǴǰǸǨdz ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 433
ȅǵǭǸǫǰȇ ǰȘȒțȚșȒ 433
ǫǨǵǯǨǴǭǬ ǪȍȓȐȒȐȑ ǵȖȊȋȖȘȖȌ
426
ǷǸǰǶǸǰǺǭǺǵǶǭ ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 410
ǴǹDz DzǶǵǹǺǨǵǺǨ ǷdzȆǹ ǴȖșȒȊȈ 400
ǺǭdzǭDzǶǴ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 400
ǪǰǸǴǭǬ-ǸǭǯǭǸǪ ǺțȓȈ 394
ǨǪǭǹǺǨ-ǴǭǬ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
365
ǺǸǨǵǹDzǶ ǭȒȈȚȍȘȐȕȉțȘȋ 363
ǻǸǨdzȄǹDzǨȇ ǶDzǸǻǮǵǨȇ ǹDz ǭȒȈȚȍȘȐȕȉțȘȋ 347
ǴǭǬǰDzǨ-ǺǶǴǹDz ǺȖȔșȒ 338
ȅǵǭǸǫǭǺǰǿǭǹDzǨȇ ǹDz ǴȖșȒȊȈ 336
ǩǰǸȆǯǨ ǴȖșȒȊȈ 328 ǹǺǸǶǰǺǭdzȄǵǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ
ǴȖșȒȊȈ 326
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 22
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
ǴǭǬǰDzǨ-ǪǶǹǺǶDz DzȘȈșȕȖȧȘșȒ 302
ǰǵǵǶǸǻǹǫǶǸǹǺǸǨǽ ǴȖșȒȊȈ 300
ǻǸǨdz-Ǩǰdz-ǴǭǬ ǷȍȘȔȤ 300
ǸDz-ǫǨǸǨǵǺ ǴȖșȒȊȈ 269
ǫǸǨǵǺǨ DzȈȏȈȕȤ 256
ǹDz ǪǶǭǵǵǶDZ ǴǭǬǰǾǰǵȃ ǴȖșȒȊȈ 228
ǷǶǪǶdzǮǹDzǰDZ ǹǺǸǨǽǶǪǶDZ ǨdzȄȇǵǹ
ǹȣȏȘȈȕȤ 227
ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǨǴǻǸ ǩȓȈȋȖȊȍȡȍȕșȒ 214
DzǻǯǵǭǾDzǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ
ǵȖȊȖȒțȏȕȍȞȒ 184
ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǭDzǨǺǭǸǰǵǩǻǸǫ
ǭȒȈȚȍȘȐȕȉțȘȋ 177
ǨǵǫǨǸǨ ǩȘȈȚșȒ 165
ǨǹǺǸǨǴǭǬ-Ǵǹ ǭȒȈȚȍȘȐȕȉțȘȋ 158
ǴǭǮǸǭǫǰǶǵǨdzȄǵǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷ
ǴȖșȒȊȈ 157
ǷdzǨǺǶ ǴȖșȒȊȈ 148
dzǻǮǵǰDzǰ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 120
ǹǭǸǪǰǹǸǭǯǭǸǪ DzȖȊȘȖȊ 116
ǷǶdzǰǹ ǶȘȍȓ 106
ǸǭǫǰǶǵ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
100
ǨǹǺȅDz ǵȈȌȣȔ 96
ǯǬǶǸǶǪǨȇ ǹǭǴȄȇ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 95
ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ ǺȅǹǺ-ǮǨǹǶ
ȇȘȖșȓȈȊȓȤ 94
ǶǩȂǭǬǰǵǭǵǵǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ
ǹȈȔȈȘȈ 93
ǹǭǪǭǸǵǨȇ DzǨǯǵǨ ǭȒȈȚȍȘȐȕȉțȘȋ 93
ǪǶǹǽǶǮǬǭǵǰǭ ǴȖșȒȊȈ 88
ǯǨǩǨDZDzǨdzǴǭǬǹǺǸǨǽ ǿȐȚȈ 88
ǷǶǴǶȁȄ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
83
ǰǵǺǭǸǴǭǬǹǭǸǪǰǹ-ǹǰǩǰǸȄ ǩȈȘȕȈțȓ 76
ǨdzȄǼǨ-ǫǨǸǨǵǺ ǪȓȈȌȐȊȖșȚȖȒ 59
Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ
ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 23
ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)
ǫȖȘȖȌ (City)
ǹȉȖȘȣ ȗȖ ǬǴǹ *
(VHI charges *)
ǿǸǭǯǪȃǿǨDZǵǨȇ ǹǺǸǨǽǶǪǨȇ DzǶǴǷǨǵǰȇ
ǴȖșȒȊȈ 51
ȅDzǶ-ǷǶdzǰǹ ǴȖșȒȊȈ 40
ǷǭǸǪǶǭ ǸǹǶ ǴȖșȒȊȈ 38
ǮǰǪǨ ǴȖșȒȊȈ 29 ǽǨǩǨǸǶǪǹDzǨȇ DzǸǨǭǪǨȇ ǹǺǸǨǽǶǪǨȇ
ǽȈȉȈȘȖȊșȒ 29
ǷǸǰǶǸǰǺǭǺ-ǺǸǨǹǺ ǴȖșȒȊȈ 20
ǷǸǶǺǭDzǺǻǴ ǴǶǩǰdzǭ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ
14
ǸǻǹǹDzǶǭ ǹǺǸǨǽǶǪǶǭ ǺǶǪǨǸǰȁǭǹǺǪǶ
ǴȖșȒȊȈ 12
ǴǭǮǸǭǫǰǶǵǨdzȄǵǨȇ ǹDz ǨǹDzǶ ȇȘȖșȓȈȊȓȤ 9
ǴǹDz-ǴǭǬǰǾǰǵǨ DzȘȈșȕȖȌȈȘ 7
ȅǵǭǸǫǶǸǭǹǻǸǹ ǴȖșȒȊȈ 7
ǺǨdzǰǹǴǨǵ DzȈȏȈȕȤ 6