The first insurance licence in Kazakhstan and its own network of clinics
Interteach: medical insurance backed by its own healthcare
JSC “Kazakh Corporation of Healthcare and Medical Insurance “INTERTEACH” (Interteach) is one of the oldest insurance organisations in the country. The company appeared in 1989 with the support of the World Health Organization and became the first in the Republic of Kazakhstan to receive an official licence for insurance activities. The main feature of Interteach is the combination of an insurer and a medical care provider: the group operates more than 30 clinics of its own, a round-the-clock medical assistance service and an ambulance service. A policy here is therefore not only a payout, but real access to a doctor.
From a school of medical management to a national insurer
The company’s origins lie in an international programme for training specialists in medical and insurance management, supported by the WHO Regional Office for Europe. When the educational task was completed, the team put its accumulated experience into practice and focused on medical insurance. This is how the “Interteach” corporation emerged in 1989, and it later became the first in the country to be licensed for insurance activities. The company still stresses that its licence was historically the first in Kazakhstan.
Over more than 35 years of operation, Interteach has grown into a large medical and insurance group. The company defines its mission as sustainable leadership in the market of medical and insurance services through technological sophistication, customer focus, a professional team and responsibility to society. The quality of its processes is confirmed by international ISO certificates, and the corporation itself takes part in charitable and social projects of national scale.
| Full name | JSC “KK ZiMS “INTERTEACH” (Kazakh Corporation of Healthcare and Medical Insurance “INTERTEACH”) |
|---|---|
| ARDFM licence | No. 2.1.27 dated 12.08.2024, line of business “general insurance” |
| BIN | 920440000719 |
| Chairperson of the Management Board | Anar Amirbekovna Isayeva |
| Chairperson of the Board of Directors | Saule Otanovna Dzhundubayeva |
| Major participants | S. O. Dzhundubayeva |
| Branches | 1 (Akmola branch, Astana) |
| Head office | Almaty |
| Year founded | 1989, with the support of the World Health Organization |
| Medical network | 30+ own clinics, 40+ medical posts, 64 ambulances |
| Team | more than 2,000 employees |
| Scale | more than 1,000,000 clients, over 600 thousand policies a year, more than 200 corporate clients |
| Payouts | according to the company, more than 8 billion tenge annually |
| Standards | international ISO certificates |
Shareholders and management
According to the ARDFM, a major participant of Interteach is Saule Dzhundubayeva, who also chairs the company’s board of directors. The insurer’s management board is headed by Anar Isayeva. In the regulator’s register the company is not listed as a member of an insurance holding or insurance group.
As an insurer, Interteach is registered in Almaty and has one branch, the Akmola branch, located in Astana. The wide geography described below is provided primarily by the group’s medical infrastructure (clinics, medical posts and the ambulance service) rather than by insurance branches.
Regulation and supervision
Interteach is licensed and supervised by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARDFM). Its current licence is No. 2.1.27 dated 12.08.2024, line of business “general insurance”. Historically the company was the first in the country to obtain a licence for insurance activities, but today the insurer operates under a licence issued by the ARDFM. Information on management, major participants and branches is published by the regulator in the register of financial organisations.
Geography: clinics from Almaty to Kulsary
Interteach’s medical infrastructure is present in Almaty, Astana, Shymkent, Aktobe, Kyzylorda, Uralsk, Aktau, Aksai, Atyrau, Kostanay, Ust-Kamenogorsk and Kulsary. Most clinics are family clinics for adults and children. In addition to outpatient care, the group provides 24/7 emergency assistance, coordinates medical evacuation and transportation, carries out preventive check-ups (including to OGUK standards for work on offshore platforms) and provides long-term medical support for personnel at production sites. For the policyholder this means that many services under the policy are provided in the group’s “own” facilities, without lengthy approvals from third-party clinics.
Products for individuals
Voluntary health insurance
Voluntary health insurance programmes combine outpatient and polyclinic care, emergency care, laboratory diagnostics and inpatient treatment, including surgery and treatment of complex diseases. Programmes are tailored to different budgets.
Travel medical insurance
A policy for trips abroad with support in the country of stay. The website has a calculator: simply choose the country, dates and number of travellers to see an approximate quote.
Accident insurance
Voluntary protection against injuries and other consequences of an accident, for adults, children and an active lifestyle.
Sickness insurance
Financial support in the event of illness, allowing you to receive medical services without unexpected expenses.
Imputed medical insurance
Medical insurance required by law for foreign citizens working and staying in Kazakhstan.
Motor insurance
Compulsory motor third-party liability insurance (MTPL) with the option of online purchase, as well as voluntary CASCO.
Solutions for business
For organisations, Interteach offers corporate medical insurance for employees, with service in its own network of clinics and through medical assistance, as well as classic general insurance: CASCO for corporate vehicle fleets, MTPL for vehicle owners, compulsory carrier liability insurance to passengers, voluntary third-party liability insurance and travel insurance for employees on business trips. The programmes are especially in demand among industrial companies with remote sites: the insurer can provide an on-site medical post, an on-duty team and evacuation.
- corporate voluntary health insurance programmes with round-the-clock coordinating doctors;
- medical support for rotational-shift personnel and preventive check-ups;
- motor insurance and liability insurance;
- insurance for employees travelling abroad on business trips.
Online services
The company’s website offers a travel insurance calculator, a vehicle depreciation calculator, policy verification, online MTPL purchase, a section for online claims settlement, tracking of claim settlement status and filing of road accident reports using the Euro Protocol. For medical clients the “Med Assistance” service is available, and a request for programme selection can be left through the feedback form.
How to report an insured event
Contact the company
Under a medical policy, first contact Interteach’s round-the-clock medical assistance: a coordinating doctor will recommend a clinic and arrange care. For motor insurance, report the accident to the contact centre or use the “An insured event has occurred” section on the website.
Record the event
For a minor accident with no injuries and no disagreements, you can complete a Euro Protocol. In other cases, keep police documents, medical reports, receipts and photographs.
Submit the documents
The claim form and supporting documents are submitted through online claims settlement or at the company’s office.
Track the status
You can check the progress of the review in the settlement status service on the website; once a decision has been made, the payment is transferred to the specified bank details, or the service is paid for directly to the clinic.
Important: under voluntary health insurance and travel policies, do not pay for treatment yourself until you have agreed it with the assistance service; otherwise reimbursement may require additional documents or may be limited by the terms of the contract.
Interteach’s strengths
- historically the first insurance licence in Kazakhstan and more than 35 years on the market;
- its own medical network: clinics, medical posts and an ambulance fleet;
- round-the-clock medical assistance with coordinating doctors;
- presence in all key regions of the country, including the oil and gas cities of the west;
- international ISO quality standards and experience working with large national and international companies.