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DMS - it is advantageous!
Conclusion of the treaty of Voluntary medical insurance gives the corporate clients the following economic advantages and possibilities of optimization of tax deductions:
- Firstly, in accordance with Art. 149 p. 3 p/p 7 of Part II of the Tax Code of Russian Federation an insurance premium is not subject to value-added tax (VAT).
- Secondly, in accordance with Art. 255 p. 16 of Part II of the Tax Code of Russian Federation an insurance premium is included in the self cost of production at the extent of 3 % from the annual salary fund.
- Thirdly, in accordance with Art. 238 p. 7 of Part II of the Tax Code of Russian Federation an insurance premium is not charged with the united social tax;
- Fourthly, in accordance with Art. 213 p. 5 of Part II of the Tax Code of Russian Federation an insurance premium is not included in gross annual income of employee.
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Do not hesitate to contact us!
If you have questions on health insurance, you want to insure something or you have a partner suggestion, just contact us.
phone: (495) 225-42-04
e-mail: info@loid-city.ru
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Voluntary Medical Insurance (DMS)
for Corporate Clients
Voluntary medical insurance of the stuff (DMS) becomes more and more popular in the business world today.
Today collective health insurance of the staff members is a major component of the social package and corporate culture of any company and is an effective instrument of motivation and staff management.
In the past the Russian companies preferred to build relationships with employees on the basis of cash money, nowadays the considerable part of social package, offered by many companies, comprises corporate medical insurance.
At present medical policy conducted by an employer becomes practically a visit card, an index of his attitude toward employees, showing his ability to build effective mutual relations with them.
What is interesting in medical insurance for the corporate clients?
1. Tax deductions.
2. Medical insurance, given to an employee promotes stability of the personnel of the enterprise and efficiency of labour, saves working hours, prevents financial losses of the enterprises due to long absence of an employee at his workplace.
3. According to our program the office doctor provides consultations in your office once a week and if necessary, takes all the analyses and research of the insured employees straight in the office (electro cardiogram; glucose in blood; urine analysis with the use of test-strips, spirometry).
4. Medical service with DMS Policy helps to prevent spreading of epidemic infections in the office and implies vaccination from seasonal infections.
5. With DMS Policy the employees of your company get Medicare of higher quality that alleviates the risk of the recurring disease.
Corporate medical insurance allows:
- to minimize the expenses of the enterprise in payment of sick-lists;
- to reduce expenses of the enterprise from temporary disability of the employees;
- to consolidate your company image in the eyes of partners and staff.
It is much more advantageous for an enterprise to work through Insurance Company than to conclude a Contract with medical institution directly:
- «Loid-City» takes all risks and carefully controls quality and volume of medical services;
- Voluntary medical insurance provides access to medical institutions of Moscow for non-Muscovites and foreign employees.
What can the program of medical insurance consist of?
Especially for corporate clients we have developed various insurance programs which differ in the choice of medical institutions and sum of insurance coverage for different categories.
The programs of medical insurance include:
- outpatient-clinic service which implies visiting doctors of all the basic specializations, instrumental diagnostics, laboratory tests, physiotherapy, massage, etc.;
- stomatological help (therapeutic and surgical);
- home service;
- first-aid and emergency medicare;
- stationary help (hospitalization on planned and/or to the urgent statements);
- personal doctor;
- office doctor;
- child's medical programs;
- pregnancy and labor management;
- taking of professional medical examinations (primary and periodic);
- organization of medical examination of drivers before trip;
- vaccination at workplace (from a flu, hepatitis and others);
- rehabilitation-restoration (sanatorium-resort) treatment;
- treatment abroad.
«Loid-City» provides unique technologies of medical insurance. We can offer the program of medical insurance for collectives from 5 persons at a reasonable price. The cost of our insurance programs depends on the volume of medical services, level of medical institutions and quantity of collective. There are several special insurance programs developed In our company: «Premium», «Triumph», «Extra», «Business», «Standard».
To conclude the insurance treaty it is necessary to fill in the Insurance Questionnaire form for the corporate clients, on the basis of which our specialists will define the cost of policy and give recommendations to optimize its cost. After filling in the Questionnaire form our specialist will contact you immediately.
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