Every second HR in his practice is faced with critical illnesses that are detected in employees in the team. In such a situation, the business faces many tasks: finding financial assistance, agreeing on the size and frequency of payments, psychological support, advice on choosing or finding a clinic to treat an employee.
We offer the optimal solution for collective insurance to ensure high-quality treatment of an employee in case of diagnosis of critical diseases, namely: oncology, cardiac surgery and neurosurgery.
The cost of packages is calculated for a team of 10 people or more
Upon conclusion of the Agreement, each employer receives an exclusive service package, which includes: support from a separate service manager, reporting and analytics, bonuses for rollover and for the absence of losses, lectures, presentations and master classes on the topics of finance, health, sports and beauty.
To conclude an employee life insurance contract, it is necessary to submit only an Insurance Application certified by the manager’s signature and the company’s seal.
Since TAS Life is a subject of financial monitoring, according to the current legislation, it is required to check the legal entity and take several documents certified by the signature and seal of the head of the enterprise. Although we ourselves do not like additional papers, we must comply with the laws.
Therefore, together with the insurance application, you need to submit the following package of documents. It is the same as when working with a bank.
To receive a detailed calculation, please fill out the Application for corporate insurance and send it to [email protected]
Treatment of malignant neoplasms (oncology). Any malignant disease characterized by the uncontrolled growth and spread of malignant cells penetrating into tissues of various histological types. The diagnosis must be confirmed by the results of histological or, in the case of systemic cancers, cytological studies.
Cardiac surgery. A surgical operation, which is carried out on the recommendation of a cardiologist, to restore blood flow in the arteries of the heart, by bypassing the narrowing (blockage) of one or more coronary arteries with the help of bypass grafts (shunts), as well as replacing or treating one or more heart valves or plastics heart vessels, stenting, or surgical treatment of heart rhythm disorders. The diagnosis must be established during the validity period of the Insurance Contract and confirmed by the method of radiological diagnosis.
Neurosurgery. Surgery on the brain or other intracranial structures, including surgery for benign tumors of the spinal cord, as recommended by a neurosurgeon. The diagnosis must be established during the validity period of the Insurance Contract and confirmed by the method of radiological diagnosis.
Depending on the chosen insurance package, the insured sum is set at the amount of 3 to 6 million hryvnias for the entire term of the insurance contract. Treatment is carried out within the insurance amount.
Persons with disabilities of groups I, II, III, cancer patients, patients with severe forms of cardiovascular system diseases (congenital heart defects, angina pectoris, myocardial infarction, aortocoronary bypass, stroke, etc.), patients with AIDS or AIDS-related diseases, as well as persons who are registered in narcological, tuberculosis, psychoneurological, skin and venereological dispensaries, centers of prevention and fight against AIDS. The program is designed for people under the age of 64, older people are not accepted for insurance.
Report an insurance case in a way that is convenient for you:
You will be informed which medical documents are required, for example: X-rays, test results, pathology samples.
Then you will be given a list of Ukrainian clinics to choose from for the treatment of your disease. As soon as you decide where you would like to be treated, we will arrange travel and accommodation for you and your companion, as well as cover the costs of treatment and medication.
The attending physician and the council determine the patient’s treatment. If the disease occurred for the first time, the treatment will be carried out within the limits of the total sum insured under the insurance contract, provided for one person.
Liability for an insured event is carried out from the moment of the beginning of the provision of services in accordance with the terms of the Agreement in connection with an event that is recognized as an insured event during the term of the Insurance Agreement. At the same time, the costs of treatment are covered by the Insurer until the treatment is completed. The date of completion of treatment is considered to be the date of the last doctor’s appointment after which the Insured Person was not prescribed a new course of treatment, except for medical drugs for curative or prophylactic purposes and/or check-ups by a doctor.
During the next 12 months (first year) after the date of completion of treatment, the Insurer fully covers the costs of medicines and no more than 4 (four) doctor’s consultations on the territory of Ukraine. Starting from the second to the fifth year after the date of completion of treatment, the Insurer covers 1 (one) preventive/diagnostic examination by a specialist doctor
Travel in economy class on all types of transport, 3-4 star hotel, including breakfast is covered.
The complete list of exclusions from insured events and reasons for refusal of insurance payment are specified in section 8 and 9 of the Terms of the insurance program.
The main exclusions from insured events are:
Additional exemption for oncology:
Additional exclusion for cardiac surgery and neurosurgery:
In the event of force majeure circumstances occurring on the territory of Ukraine, which make it impossible for the Insurer to fully or partially fulfill its obligations under the Insurance Contract, the Insurer’s representative has the right not to organize diagnosis and treatment, while the Insurer makes an insurance payment directly to the Insured Person in the amount of expenses incurred for treatment services on the territory of Ukraine provided for by this Program, based on documents confirming the incurred costs for treatment.
In the event that medical institutions that are partners of the Insurer do not accept the Insured Person for treatment due to the lack of possibility of treatment of the established diagnosis, the Insurer makes an insurance payment directly to the Insured Person in the amount of expenses incurred for treatment services on the territory of Ukraine, which are provided for by this Program, on the basis of documents confirming incurred expenses for treatment. In the case of treatment of the Insured Person abroad, for which there is a confirming document, the Insurer makes a one-time insurance payment in the event of a malignant neoplasm or the need for neurosurgery in the amount of 25,000 euros, and in the case of the need for cardiac surgery, 10,000 euros.
If you want to know more, you can read the documents with detailed information Official terms of the program
In the near future, Ukrainian oncologists predict a wave of patients diagnosed with cancer already in the late stages for the first time. Because first the covid pandemic, and then the martial law became an obstacle for many Ukrainians to undergo an annual examination by an oncologist and detect a tumor in time. This year, the situation has worsened even more, in addition, the reasons for stress and anxiety have increased significantly – a condition that directly affects the risk of developing cancer.
We have already shared with you earlier the results of a study on Ukrainian companies and the level of detection of oncology among employees. Almost half (47%) of the surveyed HR specialists encountered cases of cancer among their colleagues or their relatives, which once again confirms the thesis about the wide spread of critical diseases in Ukraine. We will remind, according to statistics, every hour 20 Ukrainians learn that they have been diagnosed with a malignant tumor. This is more than 140 thousand people a year.
In a team of 10 people, every 7th woman and every 8th man are at risk of developing an oncological disease, such as breast cancer and prostate cancer. The most unpleasant thing in such situations is that it is not noticeable in the initial stages. Therefore, only preliminary profile reviews can help. Therefore, we recommend that your HR specialists, when choosing medical insurance for employees, must pay attention to the fact that the specialized consultations of a gynecologist and urologist are included, as well as that all necessary research methods are covered. It is early diagnosis that will help detect the disease and start timely treatment. And a financial solution from the TAS Life insurance company in the form of the “TAS-Doctor” program will help organize re-diagnosis, treatment and medical support in the treatment of critical illnesses.
We would like to share with you information from the chief physician of the National Cancer Institute, Andriy Beznosenko, regarding symptoms that may be alarm signals and a reason to consult a doctor as soon as possible:
You can leave us your application for calculation, and in return you will receive a small gift from us – a calendar of mandatory annual examinations, which will be useful to you when planning motivational programs and taking care of the health of your team.
If you have already taken out an insurance program, we suggest that you familiarize yourself with the insurance offer from TAS Life regarding the consequences of military risks.
If you are the owner of a small or medium-sized business, we have special offers for you, which you can view here.
We wish you and all your employees good health!
Thank you for your trust! The application has been sent, expect a call from our managerPlease leave your contact information. Our expert will call you and help you with everything, as well as answer any remaining questions you may have.
