Voluntary Health Insurance under Selected Scheme is tailored to different wishes, needs and possibilities of the Insured.
The Insured may be any person expressing a wish to conclude the insurance contract with the Insurer, regardless of his/her age and status under the Compulsory Health Insurance Plan.
Voluntary Health Insurance under Selected Scheme may be written either as an individual or as a group. Group insurance is concluded for the benefit of all employees, members of an organisation etc., according to the Policyholder’s list.
Voluntary Health Insurance under Selected Scheme is concluded to the period of not less than one year.
The monthly insurance premium and scope of agreed health care is determined according to selected scheme for provision of health care services, Insured’s age at entry, Insured’s status (pensioner, gender).

The Voluntary Health Insurance under Selected Scheme policy provides a higher-level health care. Following a medical indication or for reason of prevention, you may agree on:

  • examinations by a physician,
  • specialist examinations,
  • laboratory analyses.

Cherish yourself, your time and money. Select a physician and a health care institution with which we have concluded a business cooperation agreement for your medical examination at the time of your convenience, without a referral letter and waiting.

Each and every Insured is given a Voluntary Health Insurance Card which, together with an ID document including a photography, represents a means of payment in a health care institution.

Select one of the proposed healthcare Scheme, a healthcare institution, with which we have concluded a business cooperation agreement, and a physician (general practitioner or a specialist) by whom you wish to be examined and a time of your medical service. Leave the rest to us.

Scheme A/ApScheme B/BpScheme C/Cp
1. One general check-up including:1. One general check-up including:1. One general check-up including:
- specialist internist examination with ECG; - specialist internist examination with ECG; - specialist internist examination with ECG;
- laboratory analyses (complete blood count, {erythrocytes, leukocytes, haemoglobin, Hct, Le formula, thrombocytes} blood sedimentation test, blood sugar, cholesterol, triglycerides, urinalysis); - laboratory analysis (complete blood count, {erythrocytes, leukocytes, haemoglobin, Hct, Le formula, thrombocytes} blood sedimentation test, blood sugar, cholesterol, triglycerides, urinalysis);- laboratory analysis (complete blood count, {erythrocytes, leukocytes, haemoglobin, Hct, Le formula, thrombocytes} blood sedimentation test, blood sugar, cholesterol, triglycerides, urinalysis);
2. Three annual examinations by a selected physician; 2. Three annual examinations by a selected physician; 2. Three annual examinations by a selected physician;
3. One abdominal ultrasound; 3. One abdominal ultrasound; 3. One abdominal ultrasound;
4. One specialist main examination and two check-ups by the same specialist;4. One specialist main examination and two check-ups by the same specialist. The specialist main examination comprises diagnostic procedure referring to the selected examination by a specialist. Diagnostic procedures must be indicated by a physician of a relevant medical specialty;
Monthly premium :Monthly premium :Monthly premium : 
From 350.00 to 560.00 Dinars From 590.00 to 955.00 Dinars From 795.00 to 1,281.00 Dinars  
Rates for pensioners:Rates for pensioners:Rates for pensioners:
From 425.00 to 501.00 Dinars From 734.00 to 857.00 DinarsFrom 986.00 to 1,154.00 Dinars
Note: premium statements and sums insured are for information only.

Within Voluntary Health Insurance under Selected Scheme, we offer two special programmes for women, which provide for regular medical examinations.

HEALTH CARE SCHEME FOR WOMEN
Scheme Ž1Scheme Ž2
One gynaecological examination with breast examTwo gynaecological examinations with breast exam
One Pap test and one analysis of purity degree Two Pap tests and two analyses of purity degree
One colposcopy examinationOne colposcopy examination
One gynaecological ultrasound One gynaecological ultrasound
One breast ultrasoundOne breast ultrasound
 One mammography
Monthly premium: 535.00 DinarsMonthly premium: 950.00 Dinars

Contract on Voluntary Health Insurance under Selected Scheme may be concluded at all Company’s points of sale; For any additional information on Voluntary Health products, please call +381 11 30 40 060 or 0800 386 286.

Download Terms and Conditions

RULES ON VHI
GENERAL TERMS AND CONDITIONS VHI
SPECIAL TERMS AND CONDITIONS FOR VHI ACCORDING TO CHOSEN PROGRAMME
HEALTHCARE PROVIDER DIRECTORY – VHI UNDER SELECTED SCHEME