Employers began to worsen the conditions of the VMI

Despite the ongoing shortage of staff, companies have begun to worsen VMI conditions for employees. Last year, employers sought to limit their costs for such policies, according to the Central Bank's material on the development of the insurance market. It clarifies: to do this, they signed contracts with a lower set of risks (that is, they cut coverage).

This is evidenced by a decrease in the average amount of insurance per insured person by almost half, to 6.6 million rubles, the Central Bank noted. At the same time, the average contribution per person (that is, how much the company pays for his policy) has not changed and amounted to 7 thousand rubles. If coverage had remained at the level of 2023, then this figure should have increased, because services have become more expensive, the Central Bank explained.

Clinics are changing price lists and reaching a real inflation rate of 15-20%, and in some cases the price of treatment increases to 60%, said Pavel Ozerov, co-owner of insurance broker Mainsgroup. He added: this affects the calculation of the cost of the policy.

Companies are introducing franchises, choosing cheaper clinics, and also connecting telemedicine and virtual medical facilities, which is especially popular in the regions, said Natalia Krasnenkova, medical commercial director of the Luchi insurance company. This allows you to reduce the cost of programs without losing the quality of medical care.

If in 2022 only 15% of employers issued policies with a franchise, now every third company uses it, Pavel Ozerov estimated. In his opinion, the figure will reach 50% in one or two years.

Elena Dybova, Vice President of the Chamber of Commerce and Industry (CCI), also confirmed the more frequent use of the franchise.

Read more in the exclusive Izvestia article:

On a personal calculation: employers began to worsen the conditions of the VMI