Updated for 2026: voluntary health insurance supplements the guaranteed volume of free medical care and MHI, but does not replace them. The list of clinics, services, limits and exclusions, and the procedure for approving treatment are determined by the contract. Before buying, check the insurer's licence and the terms of the chosen program.
Contents
  1. Health insurance contract
  2. Health insurance for individuals
  3. In health insurance
  4. The price of health insurance, or how much good health insurance costs.

Voluntary health insurance is a form of social protection of the interests of the population in health care, expressed in a guarantee of payment for medical care when an insured event occurs, at the expense of funds accumulated by the insurer. Health insurance will protect your employees at the right moment.

Health insurance for legal entities

This is first of all a benefits package for employees. Every employer is interested in having their employees, especially highly qualified ones, work more and bring benefit both to themselves and to the company, rather than constantly taking sick leave and effectively not performing their tasks. Employee health insurance solves this problem. Your employees will not spend time looking for a good doctor, will not be left without help when health problems arise, and will be under the care of the insurance company's medical assistance 24 hours a day.

Insurance programs differ depending on the imagination of the insurance company. Polis Re recommends not paying special attention to the name of the program, but looking more at its content and substance.

An economy health insurance program includes:

  • Emergency medical care
  • Round-the-clock consultation and dispatch service
  • Family doctor consultation

A minimum health insurance program includes:

  • Family doctor consultations
  • Outpatient treatment for emergency and therapeutic indications
  • Inpatient treatment, almost always for emergency indications
  • Emergency medical care - a visit from an ambulance team, both state (this is free anyway) and private
  • Round-the-clock call center

A medium health insurance program includes:

  • Family doctor consultations
  • Outpatient treatment for emergency and therapeutic indications
  • Inpatient treatment for emergency and therapeutic indications
  • Dentistry and medication free of charge within the set limits
  • Insurance for those traveling abroad
  • Emergency medical care - a visit from an ambulance team, both state (this is free anyway) and private
  • Round-the-clock call center

A maximum health insurance program includes:

  • Family doctor consultations
  • Outpatient treatment for emergency and therapeutic indications
  • Inpatient treatment for emergency and therapeutic indications
  • Dentistry and medication free of charge within the set limits
  • Insurance for those traveling abroad
  • Recovery in a sanatorium after surgery
  • Pregnancy and childbirth care
  • Home service
  • Emergency medical care - a visit from an ambulance team, both state (this is free anyway) and private
  • Round-the-clock call center

Add-ons to a health insurance program that can be purchased separately:

  • flu vaccination, including a pre-vaccination doctor's consultation and post-vaccination observation
  • an annual medical examination, including examination by narrow specialists, fluorography, as well as tests and studies
  • dentistry with a limit, including services for medical indications
  • observation and care of a newborn
  • registration with an obstetrician-gynecologist
  • pregnancy monitoring and childbirth assistance
  • health insurance for those traveling abroad
  • emergency medical evacuation and repatriation within Kazakhstan and worldwide

Health insurance programs also differ from one another in

  • The content of the health insurance contract
  • Limits and the sum insured
  • The clinics to which the insured person has access

Under the Economy program, the family doctor organizes and manages medical care. The family doctor will conduct a consultation and diagnostics and give a referral for further outpatient or inpatient treatment. They will also arrange consultations with specialists, laboratory and diagnostic studies, preventive examinations, vaccination, and dental examinations and treatment.

Health insurance programs for enterprises and organizations make it possible to:

  • receive qualified medical care in outpatient, inpatient and sanatorium-resort settings, emergency and urgent care, and access to world medicine through the insurance system;
  • reduce the costs of paying sick leave and financial assistance for illness for your employees;
  • increase working capacity and save the time employees spend on sick leave;
  • enhance the company's prestige;
  • significantly reduce the costs of treatment and rehabilitation of your employees.

Health insurance contract

Today almost any insurance company can offer a voluntary health insurance contract. BUT of course there are also leaders in the market whom the other insurance companies look up to. For the procedure and fine points of the health insurance contract please ask at the offices of Polis Re.

Health insurance for individuals

Because of the high loss ratio of health insurance, an individual cannot always buy this type of insurance, or the price will be quite high and medical underwriting is mandatory.

In health insurance

YOU HAVE ACCESS TO

  • Emergency care
  • Outpatient treatment in medical centers, including:
  • Laboratory and instrumental studies of any complexity
  • Consultations, monitoring and treatment by narrow specialists
  • Arrangement of consultations with leading specialists and professors
  • Arrangement of medical consultations (panels of doctors)
  • Physiotherapy and massage
  • The help of a trusted family doctor in choosing medical institutions and specialists
  • Inpatient treatment in wards of the paid departments of clinics, including:

Emergency and planned hospitalization

Surgical department

Therapeutic treatment

  • Treatment and consultation at home and in the office
  • Seasonal and travel vaccination
  • Highly qualified dental care
  • Purchase of medicines on free prescriptions in the pharmacy network

ADDITIONAL SERVICES

  • Medical support of pregnancy
  • Care of newborns from birth to one year
  • Preventive examinations
  • Organization of medical points
  • Conducting first aid courses
  • Provision of first aid kits

The price of health insurance, or how much good health insurance costs.

It all depends on the insurance program; the costs are approximately as follows

standard program: from 30,000 to 50,000 tenge

middle-class program: from 60,000 to 80,000 tenge

VIP programs: from 90,000 to 300,000 tenge

Health insurance companies. There are 10 insurance companies operating on the market of the Republic of Kazakhstan whose programs deserve attention; Polis Re works with all the companies engaged in health insurance. We recommend that you contact our specialists and receive offers from the whole insurance market.

When choosing health insurance, Polis Re recommends

1. Consult a specialist

2. Study the health insurance contract carefully, especially the exclusions section

3. Decide what you expect from health insurance

4. Plan a budget

5. If you have a large number of employees, the program should be developed individually

Related materials

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health insurance: who pays for illness