Medical Insurance Programmes Depend on Scope and Price, Says Chief Physician

ASTANA – Medical insurance is a must for expatriates and those who work in Kazakhstan on contract. Several medical insurance programmes are available depending on the scope and price of the package.

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“Medical insurance makes it possible to evacuate in case of serious illnesses or death. An employer is obliged to provide hired expats with health care. Foreigners are serviced according to insurance packages purchased by employers,” Khamit Oshurbayev, chief physician of the capital’s Interteach Clinic, recently told The Astana Times.

A social package for expats can include benefits such as dental care, drug coverage, hospital treatment and medical examinations during pregnancy, he added.

Hospital care is divided into emergency and planned inpatient care. Expats mostly use emergency care, meaning urgent health conditions like appendicitis or acute injuries.

Employers sometimes include planned inpatient treatment (an aggravating disease like exacerbating gallstones, arthritis, etc.) in their insurance plan, said Oshurbayev. An expatriate is therefore simply referred to a clinic.

“Every expat has an individual insurance card with a corresponding number that allows him or her to refer to a medical facility that an insurance company has a contract with. An insurance company carries out medical services hereinafter,” he noted.

Insurance companies do not cover treatment of oncological deseases, tuberculosis and dangerous infections. These should be adressed only at government medical facilities. Interteach can only diagnose and lead a patient to such centres for further treatment.

Any resident or non-resident of the country can obtain voluntary medical insurance. This type of insurance is usually a year long but also depends on the length of the planned stay in the country.

“A client can select any desired coverage, everything up to evacuation, transportation or personal patient’s room with hospital care,” said Oshurbayev.

Mandatory public health insurance that includes a compulsory basic package is coming soon to Kazakhstan. Specialised medical insurance is used only during medical emergencies both for Kazakh and foreign citizens.

“A standard type of this insurance is also available for expats. It only includes emergency situations and a small package of laboratory services,” he added.

In-patient care, pregnancy and childbirth are included in an expanded insurance package. The specialised programme involves complex surgeries such as an organ transplant.

“Such complex manipulations relate to high-tech medical care. A medium package consists of primary health care and specialised care. An expanded insurance programme has primary health care and specialised care,” said Oshurbayev.

He added many expats who arrive on a job obtain their insurance from Interteach.

“Interteach has been around for 26 years and deals with foreign medical insurance not only in Kazakhstan but also throughout the Commonwealth of Independent States and far abroad,” said Oshurbayev.

Interteach has its own clinics in nearly all cities and 56 ambulance cars across the country. They operate within their own services, such as 24-hour consulting and dispatch service, family doctors, paediatricians and ambulance service, according to interteachastana.kz.

Patients can visit a neurologist, cardiologist, otolaryngologist, gynaecologist, obstetrician gynaecologist, ophthalmologist, surgeon, endocrinologist, dentist, dermatologist, urologist, gastroenterologist, haematologist, physiotherapist or masseur on schedule. The clinic also conducts ultrasound diagnostics, acupuncture and a sampling of all kinds of tests.

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