HEALTH INSURANCE

CARE FOR YOURSELF STARTS FROM € 50 PER YEAR!

Diseases and acute cases do not choose. Health insurance is the most effective way to prevent it. If you buy the Intersig VIG health policy, you will benefit: • Opportunities for diagnosis, treatment and treatment at the best hospitals in Albania and around the world • Reimbursement in record time of medical expenses • Professional medical service • Assistance in hospital selection, organization and transfer

• Direct payment to hospitals and clinics

HEALTH INSURANCE FROM DISEASES AND ACCIDENTS

Diseases, accidents, and acute cases are no choice. Health insurance is the most effective way to prevent it.

4 DIFFERENT PACKAGE OF HEALTH INSURANCE:

1. Packages up to 50,000 Euro:

• Includes service in private hospitals in the territory of Albania • Health insurance against illnesses and accidents • Coverage for medical expenses as a result of the accident up to 10,000 Euro • From 10,000 – 50,000 Euro cover cases with paving • From 800 to 1,200 Euro cover cases without paving

2. Packages with coverage up to 100,000 Euro

• Includes service in Albanian and EU hospitals • Health insurance against illnesses and accidents• Coverage for medical expenses as a result of the accident up to 20,000 Euro • Up to 100,000 Euro Coverage Cases

• Up to 2,000 Euro cover cases without paving

3. Packages up to 200,000 Euro

• Includes service in Albanian and EU hospitals • Health insurance against illnesses and accidents • Medical accident coverage up to 30,000 Euro • Up to 200,000 Euro Coverage Cases • Up to 3,500 Euro in non-bed cases • Coverage for pregnancy • Dental / ophthalmic expenses

4. Packages up to 300,000 Euro

• Includes service in Albanian and EU hospitals • Health insurance against illnesses and accidents • Coverage for medical expenses as a result of the accident up to 40,000 Euro • Up to 300,000 Euro Coverage Cases • Up to 5,000 Euro cover cases without paving • Coverage for pregnancy • Dental, and ophthalmic expenses • Mental care in case of critical illness and trauma

HEALTH IN TRAVEL

Travel and not insured? Have you thought about the unexpected that might happen to you? Travel health insurance ensures you travel comfortably and protected from any unexpected problems

THIS INSURANCE COVERS:

• Medical expenses including emergency assistance • Repatriation costs • Personal accident expenses

If the insured is provided with INTERSIG travel health insurance and has a health problem outside the territory of Albania, he must notify the damage within 48 hours to Vig Services.in demett@vig.al, by phone, web or at reception of VIG Services

DOCUMENTATION NEEDED FOR THESE CASES:

• Notification of claims by the Hospital or by the Insured / Authorized Representative • Copy of insurance policy • Copy of the insured’s passport, photo page, exit-entry stamps during the insurance period • Clinical card in case of hospitalization • Emergency report in case of emergency admission, including medical record, diagnosis • Bills for medical expenses costs • In case invoices are paid by the Insured or family members confirmation of payments made is needed

INSURANCE OF PERSONAL ACCIDENTS AT WORK

During our daily activities at home or at work, we may be unexpected. Causing us bodily harm that requires medical attention but we can also lose our lives

THIS INSURANCE DO YOU COVER?

• Total temporary disability • Temporary partial disability • Permanent total disability • Permanent partial disability • Accidental death

PERSONAL ACCIDENTS

• All personal injury claims resulting from these issued Intersig VIG insurance contracts are handled by VIG Services Albania.

• If the insured is provided with AP insurance by the INTERSIG company and has suffered an accident at work within the territory of Albania (if there is no other territory specified in the contract) it must notify VIG Services of the damage suffered.

• Notification may be made by the insured’s family or the entity’s human resources office (for collective contracts) by telephone, by email at demet@vig.al, online, or at the VIG services reception.

THE DOCUMENTS NEEDED FOR THESE DAMAGES ARE AS FOLLOWS:

1. Copy of insurance policy; 2. Medical documentation: clinical charts in case of admission, follow-up epicritic examination, imaging examination, graph, MRI, CT (depending on the case) etc. 3. Bills for medical expenses and recommendations of the treating physician 4. Copy of the insured’s identity card 5. Reports on temporary incapacity for work issued by the KML or certificate of permanent incapacity for work prescribed by the KMCAP 6. Work Accident Minutes from the company 7. Report of Work Accident at SII or by RISHM for accidents in mines

FOR AFTER DAMAGES, THE INSURANCE OF THE INSURED NEEDED:

1. Death certificate 2. Death file 3. Decision on the legal heirs of the deceased 4. Power of attorney for the person authorized to pursue compensation proceedings

SPORTSMAN INSURANCE

Given how exposed sportsmen are to accidents, Intersig VIG has prepared several packages that include:

• Temporary or permanent disability • Medical services • Physiotherapy • Accidental death

INSURING STUDENTS INSIDE AND OUTSIDE

All students and students studying in Albania or abroad can be provided with this insurance.

This insurance covers:

• Medical expenses including emergency assistance • Repatriation costs for students abroad • Expenses for personal accidents, disability and accidental death