Insurance Policy 2009/2010 Eng Ver.

Instructions for the Policy-holder
Provision of medica! services made under the direction of the insurance company and а passport.
Phone the insurance company - НФ ОАО «САК «ЭНЕРГОГАРАНТ»­ 419-80-13

Insurance Program
1. "Out-patient care"
The list of medical services that аге insurabIe, for which the insurers guaranteed payment under insurance programs:

1. Reception doctor for acute conditions that have arisen suddenly, ог exacerbations of chronic diseases, injuries, burns, frostbite, poisoning, accidents requiring emergency саге in the following areas: medicine, surgery, gynecology, ophthalmology, otolaryngology, neurology, urology, gastroenterology, dermatology , nephrology. Consultations infectionist, cardiology, oncology, doctors, allergist, endocrinologist, rheumatology clinical indications to estabIish the diagnosis.
2. instrumental diagnosis - functional (ECG), endoscopic, ultrasound, Х-гау for medical reasons. The following medical services аге INSURED for medical reasons: СТ, echo, Doppler ultrasound of the heart and bIood vessels in the momentum and duplex, Holter monitoring, ambulatory bIood pressure monitoring - 1 times during the term of the Agreement, in consultation with the Insurer, in the hospital recommended Ьу the Insurer.
3. Laboratory diagnosis: clinical and biochemical (bIood, urine, bilirubin and its fractions, ALT, AST, creatinine, urea), bacteriological, serological, hormonal and immunological studies in primary diagnosis of diseases.
4. Emergency dental therapy and surgical dental therapy and surgical treatment of acute pain: primary dental examination, treatment of complicated caries (pulpitis, periodontitis), using local materials, x-rays (dental plates); anesthesia, except for anesthesia, surgical assistance during emergency conditions,: rernoval of teeth, lancing abscesses , cuts in periostitah, periostitis.

Medical institutions to provide out-patient саге:

1. ФГУ «Приволжский окружной медицинский центр федерального агентства по здравоохранению и социальному развитию»,
   г. Н. Новгород, ул.Н.Волжская набережная, д.2.
2. ГУЗ'«Нижегородская областная клиническая больница им. Н.А.Семашко», г.н.Новгород, ул. Родионова, д.l90.
3. МЛПУ «Городская больница N~ 13», г.н.новгород, ул. Патриотов, д. 51.
4. ФГУЗ «МСЧ ГУВД Нижегородской области» г.Н.Новгород, ул. М. Покровская 12.
   Note: the provision of emergency dental саге only оп the basis of the ФГУ "When Volga Regional Medical Center of the Federal Agency for Health Саге and Social Development (г. Н. Новгород, ул.Н.Волжская набережная, д.2)

2. "In-patient Medical Aid"
Hospitalization for exacerbation of chronic disease is carried in the direction of the attending physician, after consultation with the Insurer through information and service center НФ ОАО «САК «ЭНЕРГОГАРАНТ» (tel: 419-80-13) within 7 working days from receipt of such application bу the attending doctor.

ОАО «САК «ЭНЕРГОГАРАНТ» pays for the following medical services hospital, extended over the disease (condition) that was the immediate cause of hospitalization:

hospital stay in 4 ог тоге of the local ward, nutrition, саге of medical personnel

• stay in the intensive саге unit, resuscitation; diagnostic laboratory and instrumental studies conducted оп the disease (condition) served as а cause of hospitalization;
• surgical and / ог conservative treatment, including bandaging, the introduction of drugs, etc.;
• drug provision;
• physiotherapy: prescribed Ьу а doctor to treat the disease that caused hospitalization.
• Routine and emergency medical transportation to hospital, from hospital to hospital during treatment.

For the life conditions, emergency assistance тау Ье а team of urban ambulance "03" and the insured person тау Ье admitted urgently to the nearest place to find the city (or district) hospital.

Infectious disease epidemics (measlesr diphtheria, scarlet fever, etc.) within the insurance programs аге subject only to detection. Subsequent treatment is carried out in specialized clinics in their neighborhoods.

Medical institutions to provide hospital care:

1. ФГУ «Приволжский окружной медицинский центр федерального агентства по здравоохранеиию и социальному развитию»,
   г. Н. Новгород, ул. Нижне -Волжская набережная, д.2, ул. Ильинская, д. 14, ул. Гончарова д.l2.
2. МЛПУ «Городская больница N~ 13», г.Н.Новгород, ул. Патриотов, д.51.
3. ГУЗ« Нижегородская областная клиническая больница им. Н.А.Семашко», г.н.новгород, ул. Родионова, д.l90 .
4. ГУЗ НО « Инфекционная клиническая больница N~ 2» г.н.новгород ул. Барминская 8а.

Exclusions from insurance programs:
1. The insurer does not рау for medical services. rendered to the insured person at the following diseases and related complications (after diagnosis):

1. Сапсег;
2. Diseases associated with congenital and hereditary pathology, growth anormal;
3. Systemic diseases: collagen, vasculitis, and others;
4. Tuberculosis;
5. Sarcoidosis, cystic fibrosisr ulcer;
6. Epilepsy, сегеЬгаl palsy;
7. Acute and chronic radiation sickness and their complications;
8. Diseases accompanied Ьу chronic гепаl ог hepatic insufficiency and requiring chronic hemodialysis;
9. Sexually transmitted diseases;
10. HIV infection (AIDS)
11. Especially dangerous infections, including: the plague, cholera, yellow fever, etc.;
12. Mental diseases and their direct complications in connection with mental illness nature (injury, burns, etc.).
13. Alcoholism, drug addiction, substance abuse and their complications;
14. Diabetes type-1 & type-2 and its complications;
15. Chronic viral hepatitis.

2. The insurer does not рау for the provision to the insured person the following medical services:

1. Апу medical services not prescribed Ьу а doctor;
2. Operations оп the heart (cardiac);
3. Transplant operations and / ог prosthetic organs and tissues;
4. After the estabIishment of pregnancy - advice and techniques of medical specialists, clinical and instrumental methods of diagnostic and therapeutic measures; related to pregnancy, prenatal саге, childЫrth, termination of pregnancy (including mini abortion) if the insured did not acquire the program for this profile;
5. The cost of the insured for the purchase of medicines, medical equipment, eyeglasses, contact lenses, hearing aids ог implants, as well as the costs of adjustment correcting medical devices and accessories;
6. The following diagnostic tests: genetic studies, PCR diagnosis, DNA diagnostics;
7. Dentures (including micro-prosthetics) and preparing the mouth for prosthetic, orthodontic treatments;
8. Restoring а tooth crown with а pin with Crown destruction of тоге than 1 / 3;
9. Cosmetic dentistry - cosmetic restoration of the crown of the tooth, whitening, replacement of the filling material for cosmetic purposes; Dentistry - removal of tartar, а 'оса' fluoridization, sealing the fissures remineralization therapy, controlled ога' hygiene, огаl hygiene instruction;
10. The treatment of periodontal tissues.
11. Treatment of sexual disorders and infertility, impotence, selection of methods of contraception (including IUD insertion and removal);
12. Diagnosis, treatment, procedure, plastic surgery, conducted Ьу the aesthetic ог cosmetic purpose ог to improve the psychological condition of the insured;
13. Elective surgical treatment for myopia, astigmatism, farsightedness;
14. Health services (swimming pool, sauna, solarium, gym, preventive massage);
15. Psychotherapy, hypnosis therapy;
16. Vaccination of adults;
17. Alternative treatment, including diagnosis and treatment of Фоллю, irridodiagnostics, computer reflexodiagnostics, herbal medicine, homeopathy, manual therapy, etc.;
18. Conduct chronic hemodialysis;
19. Medical examinations conducted in order to design briefs in support of traffic роliсе, admission to educational institutions, permission for storage and sharp weapons to the swimming pool, spa cards, etc.
20. Making of the concessional prescriptions;
21. Absence of medical appointments without good reason and prior notice registry clinic ог supervisory control of the Insurer;
22. Diagnosis of diseases specified in section 1 of these exceptions, led Ьу without medical evidence;
23. UnreasonabIejfalse call for ambulance, emergency medical саге and use sanitary vehicles for non-medical, doctor оп call at home. Call for ambulance, emergency medical саге and use of sanitary transportation, home visit is considered to bе unfounded / false, if:
    - An event which caused the call brigade ambulance is not the insured event;
    - То call the brigade ambulance carried out for medical саге uninsured persons;
    - То call the brigade ambulance carried out not with medicine.

3. Insurer does not cover medical services provided to Insured those who attempt to commit suicide, self-injury or in case of accidents (injuries, burns, poisoning, frostbite, etc.) derived from alcohol or drug intoxication (if you contact the health facility was insured in this state or fact of intoxication is confirmed Documentally).