Alborz supplementary insurance

Alborz supplementary insurance can be provided in both individual and group forms. Of course, in the last few years, only Alborz group supplementary insurance is provided by this company, and the amount of coverage and obligations of this insurance policy is included in the insurance policy based on the agreement between Alborz insurance and the policyholder. Alborz group medical insurances are issued for employees of various organizations and institutions and for at least 50 people (main members and their families).

The items covered by Alborz supplementary insurance are in the form of coverages and obligations that Alborz supplementary insurance provides based on the conditions of the supplementary insurance policy. The list of covered items is as follows: Reimbursement of hospitalization, surgery, chemotherapy, radiotherapy, cardiac angiography, gamma knife and various stone breakers in hospitals and limited surgery centers and Day Care "Day Care refers to surgeries that require less than one day for post-operative care in medical centers." The cost of accompanying people under 7 years old and over 70 years old in the hospital The cost of ambulance and other medical emergencies, subject to hospitalization of the insured in medical centers or transfer of the patient to other diagnostic medical centers according to the order of the attending physician. The possibility of increasing the commitment limit for surgeries related to cancer, brain and central nerves and spinal cord, excluding spinal disc, gamma knife, heart, lung transplant, liver transplant, kidney transplant and bone marrow transplant. Birth costs, both natural and cesarean In case of obtaining childbirth coverage, it is allowed to provide coverage for the costs related to infertility and infertility treatment including IVF microinjection and GIFT, ZIFT, ITSC, IUI related surgeries equivalent to the ceiling of the obligation of childbirth and as a coverage independent of childbirth. Reimbursement of expenses for sonography, mammography, types of scans, types of endoscopy, MRI, echo stress echocardiography, densitometry up to 20% of the annual base commitment for each insured. Compensation for complications related to exercise tests, allergy tests, breathing tests, muscle tapes, nerve tapes, brain tapes, bladder tapes, audiometry, optometry, heart Holter monitoring, eye angiography, in addition to the above, with a commitment limit of 10% of the total commitment for each insured. br>

As mentioned earlier, Alborz supplementary treatment insurance is provided as a group, and hence the coverage and limits of group supplementary treatment insurance obligations are determined based on the contract of the insurance company with Alborz insurance. For dental expenses, expenses such as extraction, filling, gum surgery, brosage, orthodontics and implants, root canal treatment, veneers, artificial teeth expenses, etc., can be paid by Alborz supplementary insurance up to the limit stated in the insurance policy. Note: Dental costs are calculated and paid based on the tariff for dental services, which is set and communicated to the insurance companies annually by the Iranian Insurers' Syndicate in coordination with the insurance companies.

The cost of each of the following items is not covered by Alborz Insurance Company's obligations: Surgery performed for the purpose of beauty, unless it is caused by an accident during the insurance period. Congenital defects unless, according to the diagnosis of the attending physician and the approval of the insured physician, the removal of these defects has a therapeutic aspect. Abortion except in legal cases with the diagnosis of the attending physician quit addiction Suicide and criminal acts Natural disasters such as floods, earthquakes and volcanoes War, rebellion, unrest, mayhem, strike, riot, riot, coup and precautionary measures of military and police authorities and sabotage operations according to the approval of the relevant authorities. Nuclear interactions The cost of a private room, except in necessary cases, according to the diagnosis of the attending physician and the approval of the insured physician The cost of accompanying patients between 7 and 70 years of age, except in the necessary cases, according to the diagnosis of the attending physician and the approval of the trusted physician of the insurer. insanity Gum surgery Hygiene and cosmetics that do not have a medicinal aspect Jaw surgery unless it is covered due to tumor or accident Costs related to mental disability and total disability Fixing refractive errors of the eye in cases where the sum of the absolute value of the visual impairment of each eye plus half of the astigmatism is less than 4 diopters All medical expenses that are in research stages and the treatment tariff has not been compiled and announced by the Ministry of Health, Treatment and Medical Education. Note: Some of the listed exceptions can be insured by paying an additional premium.

Considering that Alborz supplementary insurance is provided as a group, the following conditions apply in this insurance policy: The official, temporary or contractual employees of the insurer who have been introduced by the insurer as insured by submitting a consent letter agreeing to the insurance coverage of all their family members, and at least 50% of them must be covered by the insurance. Note: As an insurer, Alborz Insurance Company can insure retired employees of the insured only at the beginning of the contract or at the time of extension of the contract together with all members of their dependent family. It is allowed to provide treatment insurance coverage to other groups (such as guilds, unions and associations) on the condition that they are formed with a purpose other than obtaining the insurance coverage of the subject of this insurance policy. The annual premium payment is guaranteed by the insurer and more than 50% of the insured are insured at the same time. Family members include spouse, children, father, mother and dependents of the insured.