Insurance program "Manage your health!" This is a reliable help in the case of diagnosing oncological diseases.

What to do and how not to waste time if you are diagnosed with oncology?

Was the diagnosis correct? The choice of drugs, methods of treatment and their effectiveness depend on the type of cancer cell.

Which doctor should I go to? In what clinic to be treated? For the treatment of each disease, it is necessary to find a doctor of the appropriate qualification and a clinic that has all the necessary high-tech equipment.

How to get a quota for treatment? Where to get effective medicines of the latest generation? Modern therapies and drugs can cost millions.

The insurance policy will solve all these issues for you.

The insurance program includes:

  • service for routing and support at all stages and in all aspects of treatment (rechecking the diagnosis, second opinion of the best oncologists in the country, drawing up a treatment plan, organizing treatment as soon as possible in the leading specialized clinics in Russia, psychological and legal support, protecting the rights of the patient) ;
  • payment for treatment in the amount of up to 7 million rubles in leading Russian clinics;
  • insurance payment up to 300,000 rubles.

The "Manage Health" program was approved by the Russian Association of Oncologists, FGBU "Research Institute of Oncology named after N.N. N.N. Petrov" of the Ministry of Health of Russia, FGBU "Moscow Research Oncological Institute named after A.I. P.A. Herzen” of the Ministry of Health of Russia, the Federal Medical and Biological Agency.

The insurance contract is concluded without a preliminary medical examination or other procedures, on the basis of a health declaration.

You can insure yourself and your loved ones between the ages of 18 and 75.

Our partners

"Global Medical Assistance" is a company created with the support of the medical community, whose task is to provide patients with access to quality medical care.

AXA Assistance- a French company specializing in the provision of insurance services; one of the world's largest insurers.

You spend a minimum of your money and get the highest possible professional treatment!

Application No. 1

to the terms of reference

dated "_____"______________ 2013

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CRITICAL DISEASES
Critical illnesses - diseases that significantly disrupt the way of life and worsen the quality of life of the Insured Person, leading to disability and characterized by an extremely high mortality rate.

Oncological diseases, the presence of one or more malignant tumors, including: leukemia (except for chronic lymphocytic leukemia), a malignant tumor of the skin and lymphoma, Hodgkin's disease, characterized by uncontrolled growth of tumors, metastasis, introduction into healthy tissues. The diagnosis must be confirmed by a qualified physician (oncologist) based on histological examination. Exceptions: Tumors with malignant changes of carcinomas in situ (including cervical dysplasia of 1,2,3 stages) or histologically described as precancerous, malignant tumors of the skin and melanoma, the maximum thickness of which, according to the histological conclusion, is less than 1.5 mm or which is not exceeds the level of development of T3N (0) M (0) according to the TNM classification, any other tumor that has not penetrated into the papillary-reticular layer, all hyperkeratosis or basal cell carcinomas of the skin, all epithelial cell skin cancers in the absence of germination in other organs, Kaposi's sarcoma and other tumors associated with HIV infection or AIDS, stage T1 prostate cancer (including T1a, T1b) according to the TNM classification, malignant tumors in the presence of HIV infection and / or AIDS.

Surgical treatment of coronary arteries. Stenosis or occlusion of the coronary arteries requiring direct cardiac surgery. Exceptions: balloon angioplasty (dilatation) of the coronary arteries, laparoscopic surgical procedures, the use of a laser, and other non-surgical procedures. The diagnosis must be confirmed by a qualified physician (cardiac surgeon).

myocardial infarction. Acute necrosis of a part of the heart muscle due to absolute or relative insufficiency of coronary blood flow. The diagnosis and examination data must be confirmed by a qualified doctor (cardiologist). Excluded from the definition are: myocardial infarction without ST segment changes and with an increase in Troponin I or T levels in the blood; other acute coronary syndromes.

kidney failure. The terminal stage of an irreversible chronic dysfunction of both kidneys, leading to: an increase in the level of creatinine in the blood up to 7-10 mg%, a violation of the excretion of nitrogen metabolism products, a violation of water-salt, osmotic, acid-base balance, arterial hypertension, which requires: hemodialysis, peritoneal dialysis or donor kidney transplantation. The diagnosis must be confirmed by a qualified physician (nephrologist).

Stroke. Any cerebrovascular changes that can cause neurological symptoms lasting more than 24 hours, and including necrosis of the brain tissue, hemorrhage and embolism. The diagnosis must be confirmed by the presence of typical clinical symptoms and data from computed tomography or magnetic resonance imaging of the brain. The duration of neurological symptoms should be at least 3 months. Exceptions: cerebral disorders caused by migraine, cerebral disorders due to trauma or hypoxia, vascular diseases affecting the eye or optic nerve, transient cerebrovascular accident lasting less than 24 hours, attacks of vertebrobasilar ischemia.

Transplantation of vital organs. Transfer as a recipient of transplantation of the heart, lung, liver, kidney, pancreas (excluding transplantation of only the islets of Langerhans), bone marrow, small intestine. Exceptions: organ donation, transplantation of other organs, parts of organs or any tissue. The need for transplantation must be confirmed by a qualified physician.


Surgical treatment of diseases of the aorta. Direct surgical intervention to treat chronic aortic disease by excising and replacing the defective part of the aorta with a graft. Under the term aorta in this particular case, it is customary to understand its thoracic and abdominal parts, branches of the aorta.

Heart valve transplant. Surgical replacement of one or more diseased heart valves with an artificial valve. The definition includes the replacement of aortic, mitral, tricuspid or pulmonary (pulmonary artery valves) heart valves with their artificial counterparts due to the development of stenosis/insufficiency or a combination of these conditions. The coverage excludes: valvotomy, valvuloplasty and other types of treatment performed without transplantation (replacement) of valves.

Multiple sclerosis. The final diagnosis of "Multiple Sclerosis", established by a specialist neurologist in a certified medical institution. As confirmation of the diagnosis, the presence of typical symptoms of demyelination and impaired motor and sensory functions is provided, along with typical signs of the disease on magnetic resonance imaging. The insured must have a neurological impairment that has been present continuously for at least six months, or the insured must have suffered at least two documented exacerbations of such impairments (which occurred at least one month before the application), or at least , one documented episode of exacerbation of this type of disorder, along with the presence of characteristic changes in the cerebrospinal fluid, along with specific lesions recorded on magnetic resonance imaging.

Paralysis. Complete and permanent loss of motor function of two or more limbs due to paralysis due to an accident or disease of the spinal cord. The diagnosis must be confirmed by an experienced neuropathologist based on the results of a six-month follow-up of the Insured from the moment the initial diagnosis was made. An exception to coverage is Guillain-Barré syndrome.

Blindness (loss of sight). Complete, permanent and irreversible loss of vision in both eyes due to illness or accident. The diagnosis must be confirmed by a specialist (ophthalmologist) in the presence of the results of special examinations.


INSURER:

INSURED:

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“A critical illness is a disease that significantly affects lifestyle, has an unambiguous definition, an objective and confirmable diagnosis, as well as detailed statistics,” explains Natalia Shumilova, President, Chairman of the Board of CJSC Medexpress. In general, the concept of critical illness came from personal insurance. The practice of the market followed the path of expansion of interpretation. Some companies currently classify up to 30 items as critical illness, including any illness that irreversibly changes a person's life. In most cases, so-called critical illnesses are excluded from insurance coverage under the VHI policy, but not always. “Unlike many other companies, Medexpress traditionally includes a wider range of medical services and diseases in VHI insurance programs. We pay for the treatment of oncological diseases, operations on the vessels of the heart within the framework of VHI. We do not limit the length of stay in the hospital, the number of hospitalizations, diagnostic and treatment services in the presence of medical indications,” says Natalia Shumilova.

VHI involves the organization of treatment at the expense of the insurance company (often with various restrictions and limits), and insurance against critical illnesses is a fixed payment upon diagnosis of those diseases that are usually excluded from VHI. These are different types of insurance, and therefore the ideal option for a person is to have both policies, Natalia Shumilova believes.

With regard to corporate voluntary medical insurance, insurers have already begun to include oncology in the policy - when surgery, radiotherapy, and isotope treatment are paid for during the initial detection. It costs, for example, in "Medexpress" only 600 rubles per person (for teams from 100 to 500 people), but the decision on insurance remains with the employer.

Voluntarily and independently

At the same time, health is a basic value of a person, and it is not entirely correct to shift responsibility for one's life to the employer. And if earlier even personal insurance options had an impressive list of limitations and exceptions, now the situation is changing, insurance companies are creating new products. Experts estimate their potential quite highly.

An example is the innovative product for individuals “Manage your health!” from VTB Insurance, which was launched in 2014 and provides financial protection in case of a number of critical illnesses. A key distinguishing feature of the policy is insurance in case of diagnosing cancer. Each insured under the product "Manage your health!" receives a guarantee of a free service for routing and support at all stages and in all aspects of treatment - from rechecking the diagnosis to selecting a clinic, consultations on the course of treatment, legal and psychological support, and more; insurance payment from 750 thousand rubles (in the first year) and up to 2.4 million rubles (for the tenth year of insurance); extension of protection to the list of "Critical diseases" (stroke, myocardial infarction, paralysis, terminal renal failure, the need for coronary artery bypass grafting or organ transplantation).

The cost of an individual policy starts from 5,590 rubles per year for adults and from 2,990 rubles per year for children. A family policy (two adults and up to three minor children) will cost from 11,180 rubles a year. The insurance contract is concluded without a preliminary medical examination or other procedures, based on the signing of a health declaration. However, to protect against unscrupulous policyholders, the policy begins six months after the conclusion of the contract. There are age limits and a list of diseases and conditions under which persons are not accepted for insurance. The terms of insurance are from three to ten years. This insurance program has passed the examination of the Russian Association of Oncologists, N.N. Petrov” of the Ministry of Health of Russia, FGBU “Moscow Research Oncological Institute named after P.A. Herzen” of the Ministry of Health of Russia, the Federal Medical and Biological Agency.

According to Kirill Pavlov, director of the VTB Insurance branch in St. Petersburg, the demand for this service is already significant and the number of policies sold is in the thousands.

Ambulance

A big plus of a personal insurance policy against critical cases compared to a voluntary medical insurance policy - even in addition to the typical exceptions to VHI - is that a person gets the freedom to manage money and the freedom to choose a medical facility.

“Among private clinics, interest in the treatment of critical diseases in general and oncology in particular is growing, we have the appropriate licenses. At the same time, the more insurance products develop, the better it is for clinics - we are ready to respond promptly to incoming requests, ”says the CEO, chief physician of American Medical Clinic & Hospital (American Medical Clinic, a large polyclinic and hospital complex providing medical services in 39 areas ) Efim Danilevich.

Cardiovascular diseases have their own specifics, regardless of the policy. When interacting with some accredited state institutions, even first-class insurance and assistance services are unable to help the patient. In the case of heart disease, not only hours, but even minutes are critical. “A case from our practice: we arrived at the patient and made a diagnosis within 15 minutes. Then everything was decided by time. In order for a person to be urgently admitted to the nearest medical facility, a call was required to the head doctor. But even in this case, assistance to the patient was provided only after four hours, ”says Lev Averbakh, CEO, chief physician of CORIS Assistance (assistance company - private ambulance, emergency room). “Sometimes it is easier to take a patient to Finland than to arrange him in a St. Petersburg hospital. In fact, a few years ago, sometimes we did this (by the way, on a CORIS car), and it saved people's lives,” recalls Tatiana Dolinina, Marketing Director of ASK Petersburg.

By the way, a number of insurers offer special programs (or additional options to standard programs) for treatment abroad. Thus, the Health Sphere product from the RESO-Garantia company, developed jointly with the Spanish company Sphera Global Gestión Médica Internacional S.L., provides the following services: a second medical opinion (a written opinion of an internationally licensed doctor recognized in his field - a specialist in such diseases, such as cancer, stroke, heart attack, hepatitis, diseases of the cardiovascular system, congenital malformations, etc.); medical consulting and orientation on various pathologies, diagnosis and treatment using remote access and telemedicine; organization of inpatient treatment (without paying the cost of treatment) at a fixed cost, insured against a possible increase; services (invitation, transfer, hotel accommodation, accompaniment in the clinic with an interpreter, monitoring of stay in the hospital). As Tatyana Savateeva, Deputy Head of the Directorate of the North-West Regional Center RESO-Garantia, explains, the program implies several levels of coverage and service.

Tatyana Dolinina points to another aspect - the financial well-being of the family in case the misfortune touched any of the working family members. For this case, there are also special products that involve payment after the occurrence of an accident, which will serve as a significant financial support. So, the policy from the company "ASK" "Close people" protects all family members from accidents with any of them. At the same time, a family is understood as close people who do not necessarily live in the same living space, and civil marriages are also taken into account. The insurance premium is minimal (from 1.2 thousand rubles), the total insurance amount for all is within 500 thousand rubles. If a family member is injured or disabled as a result of that injury, ASK will pay money based on the severity of the injury. If the injury is serious and the person is hospitalized for a long time, the family will receive additional money - 0.2% of the sum insured for each day of hospitalization.

Think strategically

The probability of cure for cancer with early diagnosis reaches 90%. But more than 40% of diagnoses in our country are made at the later stages. And diseases of the cardiovascular system are the main threat to the life and health of people around the world. Compulsory health insurance works far from the best way. In the current economic situation, the sudden detection of serious diseases can hit the family budget or simply make expensive treatment impossible. For such cases, you need a policy. By the way, in some cases, the policy involves a "voluntary-compulsory" annual examination, which will identify the disease at an early stage.

If we talk about ways to prevent and minimize the cost of treatment, then the personal insurance adviser to the territorial director of SOGAZ OJSC for the North-West Federal District, Doctor of Medical Sciences Igor Akulin, thinks strategically. First of all, the general state of health care leaves much to be desired - the prevention of diseases is practically absent, which ultimately leads to the appearance of a bunch of diseases. The practice of professional medical examinations and preventive measures would be very helpful. Also, Igor Akulin believes, it would make sense to create an institute of general practitioners in clinics at the level of a state or local city program. By the way, in the West, a person, bypassing a general practitioner, will not get an appointment with a narrow specialist. Igor Akulin recalls a very revealing experiment launched with his participation during his work in the Health Committee: three general practitioners in a particular medical facility covered 85% of calls, and only 15% of calls required further consultation of highly specialized specialists. But impressive results with the continuation of the experiment, and even more so with its expansion, would eventually require the reduction of such doctors, while the domestic system of training is sharpened just for the production of a large number of highly specialized specialists. The project was cancelled. At present, the mentality of a Russian patient is such that he certainly wants to go straight to a narrow specialist, considering a general practitioner or family doctor to be something like a “underspecialist”, not really understanding the objective expediency of an initial consultation with such a doctor.

Saint Petersburg

Market average

Classical scroll critical diseases By NS:

  • stroke;
  • heart attack;
  • kidney failure;
  • transplantation of major organs;
  • coronary artery bypass grafting.

extended scroll critical diseases By NS:

  • benign brain tumors;
  • other operations on the heart and aorta;
  • multiple sclerosis;
  • paralysis;
  • loss of limbs;
  • etc., up to 30 diseases.

Classical scroll critical diseases, excluded from programs VHI:

  • oncology;
  • surgical treatment of heart attacks and strokes;
  • benign brain tumors.

Restrictions V programs VHI By treatment non-excluded critical diseases:

  • on sums insured in relation to critical diseases in general;
  • duration and number of hospitalizations;
  • on drug supply;
  • for rehabilitation treatment;
  • on the use of modern high-tech types of treatment and diagnostics, including surgical ones;
  • to pay for consumables;
  • further dispensary observation and repeated courses of treatment.

"Financial newspaper. Regional issue", N 2, 2003

It is extremely popular in many countries. In 1987, VHC appeared in Great Britain and became the most popular insurance product, in 1990 - in Australia, later in Japan and the USA. In Canada, this type of insurance has been practiced since 1996.

Studies have shown that the most common critical illnesses are cancer, heart attack and stroke. However, along with these three diseases, insurance coverage is also required in case of financial expenses caused by other diseases or the need for organ transplantation. Later, the coverage of the VHC policy began to cover other serious diseases (loss of vision, hearing, speech, multiple sclerosis, paralysis, etc.). Many modern VHC policies provide protection for more than 40 diseases.

When creating an insurance product, insurers were faced with the fact that the financial needs of each insurer after the diagnosis is completely different: one has an unpaid loan for buying a house, others need funds to pay for the education of children, still others need savings to financially support their families and dependents, etc. d. Thus, the conclusion was that there simply could not be a universal basis for the design of an insurance product and its application. Instead, it makes sense to offer each client of the insurance company to independently assess their future financial needs (as in life insurance) and then set the appropriate sum insured.

The cost of a VHC policy depends on factors such as age, gender, lifestyle, medical history, term of insurance, and sum insured. The size of the annual insurance premium may be reviewed by the insurer depending on the situation with the incidence in the country.

Usually life insurance is associated with payments after the death of the insured. However, most people are much more likely to become seriously ill than they are to die before retirement age. VHC is comparable to life insurance or disability insurance. However, there are also fundamental differences.

Traditional life and accident insurance policies do not provide the necessary coverage in today's situation, when cases of survival as a result of the treatment of serious diseases have become much more frequent, and the life expectancy of people suffering from such diseases has also increased. In practice, a situation may arise when no payments are made under a life insurance policy, since the insured continues to live, and under a disability insurance policy, payments may stop as a result of recovery or restoration of working capacity.

Despite the fact that a formally insured person may be able to work, serious illnesses entail significant financial costs:

treatment costs (not all costs are covered by compulsory and voluntary medical insurance);

lost or reduced income due to disability;

forced change in lifestyle (change of profession, early retirement, change of residence, additional expenses for restoring health, etc.).

In connection with these circumstances, the SKZ policy seems to be even more necessary than the policies of other types of life insurance. However, VHC does not replace either disability insurance or life insurance. Rather, it empowers them. The purpose of the SKZ is different than from other types of personal insurance. Regardless of whether the insured recovers from the disease or not, and whether he is able or willing to work or not, the sum insured will be paid. Other types of insurance do not offer such conditions. For the insurer, it does not matter for what purposes the paid amount of insurance coverage will be used.

The main conditions of the SCZ are as follows:

providing the insured person with a certain amount of money upon establishing the diagnosis of any disease listed in the policy. In this case, the insured must live at least 30 days from the date of diagnosis;

the insured disposes of the received sum of money at his own discretion;

basic coverage covers diseases such as heart attack, stroke, cancer;

additionally, more than 40 types of diseases can be included in the policy;

in the event of the death of the insured, the paid premiums are returned;

a critical illness insurance policy can act as a separate insurance product or any life insurance policies can be added to it;

the term of the policy varies from 5 years until the insured reaches the age of 65 or 75;

the possibility of returning insurance premiums in the absence of claims for payment after 10 years or when the insured reaches the age of 75 years.

In addition, there are a number of possibilities for spending the amount of insurance coverage received:

alternative medicine;

paying off debts or accumulating a pension;

early retirement;

payment for medical care at home;

payment for the services of a private nurse and a nurse;

purchase of necessary medical equipment;

providing the family with money;

the cost of specialized treatment abroad;

house or car modification costs;

expenses for retraining and initial capital for the resumption of professional and business activity;

financial compensation due to medical limitation of workload or early retirement.

SKZ is an insurance product that was created for one single purpose and has no other purposes and possibilities for its application in practice. This greatly simplifies actuarial work, reducing it to determining the likelihood of a critical illness depending on age. And this is already reminiscent of calculating the probability of death depending on age based on mortality tables.

Since the sum insured is paid after the diagnosis is established, the directions of its use by the insured do not matter to the insurer. In this regard, such a factor as price inflation for medical services can simply be ignored. All that the insurer needs is the appropriate tables, which show the dependence of the probability of illness on age and gender (similar to mortality tables). This dependence is subject to the same laws as the probability of death, including the law of large numbers.

When the product was first invented, it was very problematic to calculate the risk of disease. Insurers did not have statistical information that could be studied by actuaries. Later, a very reasonable way was found to calculate the likelihood of a critical illness for individuals, a calibration technology was invented that allows you to adapt data on the likelihood of a critical illness to a particular insurance field.

There are two main types of VHC policy: standard and VHC with accelerated death payout.

Standard SKZ policy. The terms of the contract are very simple: the amount of insurance coverage is paid upon diagnosis, after which the policy is terminated.

Provided that x is a person aged x years; ix is ​​the probability of occurrence of VHC for a person aged x years; Ex - the amount of the sum insured (payment) in the event of a VHC, the tariff (T) per unit of the sum insured Ex in case of payment upon establishing the diagnosis of VHC will be:

The occurrence of a critical illness is a complex risk, which consists of the individual risks of each individual disease. Let's say a heart attack - H; stroke - S; cancer - C; organ transplantation - O; cardiovascular surgery - HS; other diseases - Ets. Then the total risk (iall) will be calculated by the formula:

iall = iH + iS + iC + iO + iHS + iEts.

It must be taken into account that the larger the coverage (the list of diseases covered by the policy), the higher the insurance premium.

SHC with accelerated death payment. The basis of the insurance product is a life insurance policy. The sum insured is paid upon diagnosis or death (whichever comes first). Premiums cease after the sum insured is paid and the policy terminates. For calculations, it is necessary to create a model of the population, where it is divided into two groups: healthy and patients with critical illnesses.

Provided that qx is the probability of death from any cause; kx - the proportion of deaths from VHD among all the deceased, the tariff (T) per unit of the sum insured Ex when paid both when a diagnosis of VHD is established, and in the event of death at the transition from age x to age (x + 1 year) will be:

T = ix + (1 - kx) qx.

A certain difficulty is the fact that, unlike the official published tables of mortality, statistics on the incidence and survival of people prone to critical illnesses are not publicly available.

VHC policies differ depending on the type of coverage (a list of diseases for which payment is made) and combinations of risks. The simplest policy includes the most common diseases such as heart attacks, stroke, cancer. This more advanced type of coverage covers cardiovascular surgery, multiple sclerosis, kidney failure, paralysis, blindness, hearing loss, organ loss or transplant. Some insurers cover Alzheimer's disease, Parkinson's disease, coma, loss of speech function, severe burns. This list does not cover all possible diseases, but guarantees payment for most of them. However, in this case, the name of the VHC does not quite correspond to its content, since many of the above are not diseases, but body conditions as a result of accidents and injuries (coma, burns, blindness, deafness, organ transplantation, etc.), i.e. e. object of accident insurance.

Typically, VHCs accept people aged 18 to 65 or 75 years. The amount insured varies widely (as a rule, it does not exceed five times the insured's annual income plus an unpaid mortgage on the house, loans, etc.).

The amount of insurance coverage is paid 30, 60 or more days after the diagnosis of the disease specified in the policy. If the policyholder dies before this period, then the amount of paid contributions is returned to the beneficiary or heirs.

Within the same policy, life insurance and VHCs can be combined in different proportions. For example, from 25 to 75% of the sum insured can be paid for the risk of survival, and the remaining share - for the risk of death. Not all survival benefits are the same as VHC benefits. The payment under the SHC does not depend on the fact of recovery, the insured person must live at least 30 days.

In practice, an insurance product with a unique combination is possible: SKZ and universal life insurance. Also, VHC is combined with disability insurance. The most common combinations include the following.

  1. SKZ + mortgage insurance. The terms of insurance are standard, and the term of the policy coincides with the term of the mortgage payment.
  2. VHC + term life insurance. The payment is made either upon diagnosis or in the event of death during the term of the policy.
  3. Lifetime VHC (the term of the policy is not limited).
  4. Joint VHC for the first disease. Such a policy is purchased by a married couple and means that after one of the two insurers makes a claim for payment, the policy terminates. The remaining second insured remains uninsured.
  5. VHC + permanent disability insurance. There is a separate sum insured for each insured event. In the event of a diagnosis of a disease, the first amount is paid, in case of permanent disability, the second amount is paid (in accordance with the terms of the policy). Such a policy may include AIDS (HIV) coverage.
  6. Joint VHC + permanent disability insurance. Both spouses are entitled to payment for both insured events.
  7. Joint VHC + insurance against permanent disability for the first disease. Payment for each insured event is made only once.
  8. SKZ + ordinary life insurance (in case of death). The payment is made depending on which insured event occurs first.
  9. Joint HCZ + ordinary life insurance for the first insured event. Payment is made only to the first complainant.

The insurance contract may contain special conditions and restrictions. Thus, the insurer has the right to refuse payment under the following circumstances:

if the policyholder provided him with knowingly false or incomplete information;

if the claim for payment arises for reasons related to the fact that the policyholder has a profession that is characterized by an increased risk;

in case of harm to oneself, as well as alcohol abuse or drug use;

if the policyholder had a diagnosis of a disease included in the coverage at the time of conclusion of the insurance contract and knew about it.

Persons with current or past serious illnesses such as stroke, cancer, heart attack, AIDS (HIV), etc., are not subject to insurance; people who have previously undergone organ transplantation, abuse alcohol, take drugs, etc.

Most insured events in VHC are associated with diagnoses of cancer, heart attack and stroke - the main causes of death of a modern person. In 75% of cases, these diseases are the cause of death, in connection with which underwriting for VHC practically coincides with underwriting for life insurance. However, in practice there are some differences.

The SKZ policy is acquired by the insured for himself (the contract is concluded in his favor), while life insurance is mainly carried out in favor of the beneficiary. The policyholder has a greater interest in this insurance product (compared to insurance aimed at financial support of relatives and other close people). On the other hand, the risk of suicide associated with life insurance cannot arise with VHC. When developing a VHC product, the same principles should be followed as in life insurance.

N.Chelukhina

Department "Insurance"

Russian Economic Academy

them. G.V. Plekhanov