Along with benefiting from happy and happy days, anticipating solutions to the problems of bitter and unpleasant days is a requirement of a decent life. No one is able to predict the health status of himself or his loved ones in the future, but it is possible to cover the costs and prevent economic problems caused by the staggering costs of treating the disease with suitable solutions such as insurance. It solved the problem. Medical insurance is a branch of...
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Group treatment insurances
Along with benefiting from happy and happy days, anticipating solutions to the problems of bitter and unpleasant days is a requirement of a decent life. No one is able to predict the health status of himself or his loved ones in the future, but it is possible to cover the costs and prevent economic problems caused by the staggering costs of treating the disease with suitable solutions such as insurance. It solved the problem. Medical insurance is a branch of personal insurance and currently it is offered in group and supplementary form (surplus to the coverage of basic insurance organizations such as social security organization, medical services and similar insurances).
In this type of insurance policy, the payment of hospital and surgical expenses caused by illness and possible accidents and other additional medical coverage is committed according to the conditions of the insurance policy. The insured include employees working in organizations, companies and their dependents, including spouses, children and parents, who are covered by the introduction of the insurer and can use the benefits of this policy.
The items covered in this insurance policy are
Providing the cost of surgery and hospitalization in hospitals and limited surgery centers due to accident or disease, cardiac angiography, types of stone crushers, spinal disc, chemotherapy, radiotherapy and gamma knife costs.
Providing the cost of heart, brain and nerve surgeries (except spinal disc), transplants (only including lung, liver, kidney and bone marrow).
Providing the costs of natural childbirth and cesarean section.
Providing the cost of transporting the patient by ambulance inside and outside the city, on the condition of hospitalization.
Providing the costs of fixing refractive errors of the eye to correct cases of nearsightedness, binocularity and astigmatism.
Provision of paraclinical expenses including types of scans, sonography, MRI, types of endoscopy, echocardiography, mammography, densitometry, exercise test, tape (including muscle, nerve, brain, heart, bladder), eye angiography, audiometry, optometry, Holter heart monitoring, various types of graphs, physiotherapy.
Providing the cost of outpatient surgeries such as fractures, casts, circumcision, stitches, cryotherapy, lipoma excision, cyst evacuation, laser therapy and biopsy.
Provision of other additional coverages (such as coverage of dental costs, glasses, hearing aids, visits and medicine) according to the conditions and if the insurer agrees.
How to provide services to the insured
The insured are free to choose any of the hospitals and treatment centers throughout the country. However, in order to provide decent services and reduce the medical expenses of the insured, Asia Insurance has signed a cooperation agreement with more than 1000 medical centers, including hospitals, diagnostic, paraclinical, limited surgery, etc. across the country. It should be noted that the hospital expenses of the insured persons who go abroad due to the lack of necessary facilities and with the approval of the insurer, can be paid based on the terms of the insurance policy.
The items covered in this insurance policy are
Using the services of medical centers and hospitals that are parties to the Asia Insurance contract
The insured, while visiting any of the Asia Insurance Company branches in Tehran and selected cities or issuing units, submits the relevant documents to receive the letter of introduction and submit it to the desired treatment center.
Using the services of medical centers and hospitals that are not parties to the Asia Insurance contract:
In this case, after paying the expenses and settling the account with the desired treatment center and handing over the original documents to the first insurer, the insured will submit a copy of the original documents along with the check received from the first insurer to Asia Insurance, Asia Insurance will pay. The difference in costs will be paid to the insured based on the tariff of treatment centers of the same level as the contracting party and also taking into account the obligations of the insurance policy.
Asian insurance card treatment
In cases of emergency or holidays and non-office hours, the insured can go to the treatment centers of the contracting party with the Asian insurance card in hand and use the services of these centers in accordance with the terms of the contract and in the first hours of the office hours of the next day to receive Refer to Asia Insurance branches for the letter of introduction.