Health Insurance
The most valuable asset of each human being is the health of his body and soul. But there is no guarantee to secure man’s health in future. Since the everyday increase of medical costs is one of the serious concerns any person has, it is required to adopt proper arrangements for human beings to be prepared to confront economic problems that occur as a result of different diseases. One of these ways is to provide health insurance cover.
Why Health Insurance? Why Parsian Insurance Company?
When a person falls sick, the concern over losing health is sufficiently bothersome for the patient and his family. On the other hand, the costs of hospitalization and surgical operations impose high financial pressure on them. Parsian Insurance Company, while being aware of the concerns of the insured, presents health insurance cover, through which it tries to remove, at least, the concerns over medical costs from the shoulders of the patients and their families.
At present, Parsian Insurance Company has cooperation contracts with more than 991 health centers including hospitals, clinics and imaging centers throughout the country. The patients can use the services of these centers by presenting a letter of introduction from Parsian Insurance Company. It is obvious that the insured persons are free to choose any of the country’s hospitals, and they can refer to any hospital they like and after settlement and payment of their medical costs, deliver their medical documents and invoices to Parsian Insurance Company and receive the medical costs as per the terms and conditions of the policy. .
Different Types of Health Insurance Policies
Group Health Insurance Policy
Successful organizations and companies provide different types of welfare and health services for their own employees in order to increase their satisfaction, because they believe satisfied employees remain loyal to the organization and take their steps towards fulfilling the organization’s objectives. As you well know, during a disease or occurrence of an accident, the compensation of medical costs by social security and health services organizations do not suffice, because these organizations usually compensate the medical costs as per their own tariffs. So in order to compensate the difference of treatment costs with the ceiling of medical costs on a market rate basis, Parsian Insurance Company has launched a supplementary health insurance scheme as follows:
• Compensating the costs of hospitalization and surgery operations at hospitals and surgery centers (with more than 6 hours of hospitalization), spinal disc, chemotherapy on the condition that the patient is hospitalized, radiotherapy, gamma knife, angiocardiography and different types of lithotrites,
• Compensating the expenses of neurosurgery (excluding spinal discs), gamma knife, heart surgery, kidney, bone marrow and lung and liver transplantation, up to two times of the hospital commitment,
• Compensating the expenses of sonography, mammography, scanning and ST Scan, endoscopy, MRI, echocardiography, echo stress test, and densitometry,
• Compensating the expenses of sport tests, allergy test, respiratory test, electromyography, encephalography, cytography, neurography, cystography, eye angiography, audiometry, optometry, and Holter monitor of heart,
• Compensating the expenses for removing eye refracting disorders for 3 diopters and more for each eye,
• Cost of ambulance (intercity and intra-city) and other medical emergencies in case finally leading to the hospitalization of the insured,
• Compensating the expenses of medical laboratory expenses including medical diagnostic labs, pathology and genetics, radiography, electrocardiograpy and physiotherapy,
• Compensating the expenses of sterility and infertility including surgical operations related to ITSC, ZIFT, GIFT, IUI, Microinjection and IVF,
• Compensating the expenses related to purchasing medical lenses and medical contact lenses,
• Compensating the costs of purchasing hearing aid,
• Compensating the dentistry expenses including (tooth extraction, filling, plaque removal, brussing, restoration, root canal therapy and capping)
• Compensating the expenses of drugs and physician’s examination (in addition to the first insurer’s share) and emergency services in the case of out-patients,
• Compensating the expenses related to natural organs of the body (for groups of over 1000 people)
Travelers’ Health Insurance
If you are planning to travel outside of the country, please bear in mind that every moment you may encounter an accident or a disease. You should also know that the health policies issued inside the country do not often cover the medical costs outside the country. Further, it is necessary to provide health insurance policies for outgoing passengers for some of the countries (like Schengen states). So for your peace and relief, you have to purchase travelers’ health insurance policies for covering the accidents and medical costs outside the Iranian borders.
Why Travelers’ Health Insurance? Why Parsian Insurance Company?
For the welfare of those Iranians who intend to travel outside of the country, Parsian Insurance Company presents travelers’ health insurance policy with suitable covers for you, using Emdadrasan International Network.
Travelers’ Health Insurance
The premium under this policy is set according to the duration and destination of travel and the age of the insured. The services under this policy (as outlined in the policy) may be used upon the entry of the individual to the country of destination. In case you need to use the services under this policy outside the country, please contact the phone number given in the policy and give your name, policy number and passport number.
By purchasing Parsian Insurance Company’s travel health insurance policy, you will enjoy the following covers:
• Paying the medical expenses including hospitalization, surgery, medical examinations and drugs, as a result of accidents and diseases that occur during traveling, up to the ceiling specified in the policy,
• Paying the expenses of dental emergencies including toothache treatment, infection treatment and tooth extraction,
• Receiving and transferring the patient to the nearest hospital or returning the patient to Iran under the medical surveillance,
• Paying the costs of litigations due to driving accidents up to the limit specified in the policy,
• Paying the costs of transportation, accommodation and food, provided the original copy of the related invoices are submitted, in case of delay in travel time of the vehicle you were using,
• Paying the allowance for purchasing basic supplies up to the amount specified in the policy, in case of late arrival of the passenger’s cargo,
• Paying the costs of cargo loss, in addition to the damage the carrier is bound to pay,
• Paying the allowance for receiving passport and driver’s license, in case they are lost,
• Returning the family members to the country in case of accident for the insured,
• Emergency travel allowance for one of the family members, for accompanying the patient,
• Benefiting from special discounts for group purchases by the insured persons with the same destination,
• Returning the dead body (of the insured) to Iran in case of the insured’s death during the travel,