The FINANCIAL — Interview with Eka Gorgaslidze, Head of GPI Holding Medical Division
Q. What are the benefits of your corporate health insurance plans?
A. Corporate health insurance packages of GPI Holding are tailored to the needs of the company clients. The package includes minimized list of cases which are not normally funded.
Our health insurance package covers costs of all major medical services a client may need. Standard health insurance plan includes consultations of family doctors, diagnostics, visits to specialists, medications, urgent and planned surgeries, dental service, etc.
In addition, the main advantage of the corporate health insurance program developed for large-scale corporate clients is funding of medical services like oncology, cardiology, chronic diseases incurred before the insurance. As you may know, these types of diseases are excluded from insurance policies and belong to the list of exceptions.
The Company does its best to be maximally flexible, consider the Clients’ demands and offer the most optimal price and conditions. There are clients who wish insurance programs with all kinds of medical services and minimum exceptions. Some clients want additional services to be included in the policy, such as coverage of personal accidents and life insurance.
Apart from large-scale companies, GPI Holding offers corporate health insurance programs to small companies (15-20 employees). Health insurance programs for small companies are maximally tailored to their demands.
Q. We’ve heard that your insurance program includes treatment abroad. Could you provide some details?
A. Yes, it does and this is another advantage of the corporate insurance program. When needed, the company co-funds treatment abroad. Obviously, this service is included in the program based on some terms and conditions, particularly, the price of the package, company specifics, etc.
Health insurance programs of some large-scale companies include this benefit and cover medical treatment abroad; it may be diagnostics of some difficult cases, costs of surgeries or conservative treatment.
Q. How are the decisions made in relation to sending an insured person abroad?
I can tell you particular examples. Unfortunately, there are some diseases which cannot be treated or operated in Georgia. Therefore, we have to summon a board of doctors and make decision on the necessity of sending an insured person abroad for medical treatment.
If the board makes a decision in favor of international treatment, we get directly involved in the organizational process by calling clinics and planning medical treatment abroad.
Q. People often complain that procedures are very complicated and this makes health insurance problematic…
A. With regard to medical service and related procedures, the company was committed to making service provision as simple as possible. Costs are covered in the shortest period of time.
Appointments to family doctors are planned via our hotline.
When the insured person undertakes treatment in our partner medical institutions, s/he pays nothing (if he has 100% funding) or makes only co-payment.
If the insured person undertakes treatment in any of the non-partner clinics, s/he pays the service fee in full and applies to us later for compensation. The costs are refunded in a timely manner, without any extra beaurocracy.
Q. Can your clients receive medical service in any clinic they prefer?
People insured under our corporate health insurance program can receive medical treatment at any clinic of their preference provided they submit relevant documentation to our office for compensation.
A. You have your own clinic Curatio. Do your clients perceive it as an advantage?
Q. Undoubtedly, it is our major advantage. The company has created a comfortable environment for its clients. Curatio offers almost a full range of outpatient medical services and an opportunity for the clients to receive medical examinations or consultations at one place.
GPI Holding saves time and energy of our clients by introducing a queue management system. An appointment to the doctor is planned via our hotline. An Insured person saves time on queues and receives medical service at an agreed time.
Visits to the doctor can also be made at eight o’clock in the evening or even at week-ends. The Client receives all services at one place, without running to different clinics, which is very important in today’s rapid lifestyle. Those working full-time can benefit from this service a lot.
Q. What is the price of corporate package?
A. The price of a health insurance standard package starts from GEL 25 and goes up to GEL 150. Price depends on the number of insured staff in the company as well as on their demands. The specific of their work is also taken into account.
Discussion about this post