Obzor rynka dobrovol_nogo_medicinskogo_strahovaniya

ɇȿɁȺȼɂɋɂɆɕɃ ɐȿɇɌɊ ɋɌɊȺɌȿȽɂɑȿɋɄɂɏ ɂɋɋɅȿȾɈȼȺɇɂɃ ɊɕɇɄȺ ɋɌɊȺɏɈȼȺɇɂə FINASSIST

FinAssist Independent Center for Strategic Insurance Market Research

Ɉɛɡɨɪ ɪɵɧɤɚ ɞɨɛɪɨɜɨɥɶɧɨɝɨ ɦɟɞɢɰɢɧɫɤɨɝɨ ɫɬɪɚɯɨɜɚɧɢɹ

Voluntary health insurance market overview


ɉɨɞɝɨɬɨɜɥɟɧɨ ɇɟɡɚɜɢɫɢɦɵɦ ɰɟɧɬɪɨɦ ɫɬɪɚɬɟɝɢɱɟɫɤɢɯ ɢɫɫɥɟɞɨɜɚɧɢɣ ɪɵɧɤɚ ɫɬɪɚɯɨɜɚɧɢɹ FinAssist 2

ɈɝɥɚɜɥɟɧɢɟTable of contents

ɈɋɇɈȼɇɕȿ ȼɂȾɕ ɉȺɄȿɌɈȼ ȾɆɋ ............................................................................... 5�

BASIC VHI PACKAGES ......................................................................................................... 5�

ȾɆɋ ɂ ɄɊɂɁɂɋ: ɄȺɄɂȿ ɉɊɈɂɁɈɒɅɂ ɂɁɆȿɇȿɇɂə ............................................. 5�

VHI AND THE CRISIS: CHANGES THAT TOOK PLACE .............................................. 5�

ɋɈɋɌȺȼ ɈɋɇɈȼɇɕɏ ɉȺɄȿɌɈȼ (THE CONTENTS OF THE BASIC PACKAGES)8�

ȻȺɁɈȼɕɃ ................................................................................................................................ 8�

ȾȿɌɋɄɂɃ................................................................................................................................. 9�

ȻȿɊȿɆȿɇɇɈɋɌɖ ɂ ɊɈȾɕ ............................................................................................... 10�

ɈɋɈȻȿɇɇɈɋɌɂ ɉȺɄȿɌɈȼ – ɇȺ ɑɌɈ ɈȻɊȺɌɂɌɖ ȼɇɂɆȺɇɂȿ .......................... 10�

PACKAGE FEATURES – THINGS TO PAY ATTENTION TO ...................................... 10�

ɈɋɇɈȼɇɕȿ ɂɋɄɅɘɑȿɇɂə ɂɁ ɋɌɊȺɏɈȼɕɏ ɋɅɍɑȺȿȼ .................................... 10�

THE MAIN INSURANCE EXCLUSIONS ARE AS FOLLOWS ...................................... 10�

ɉɊɂɅɈɀȿɇɂȿ 1. ɈȻɓɂɃ ɉȿɊȿɑȿɇɖ ɄɈɆɉȺɇɂɃ, ɊȺȻɈɌȺɘɓɂɏ ɇȺ ɊɕɇɄȿ ȾɆɋ ɂ ɂɏ ɋȻɈɊɕ ȼ 1 ɄȼȺɊɌȺɅȿ 2010 Ƚ. ................................................................... 13�

APPENDIX 1. THE TOTAL LIST OF COMPANIES OPERATING IN THE VHI MARKET AND THEIR CHARGES IN THE 1ST QUARTER OF 2010 ............................................. 13�



ǵȍȏȈȊȐșȐȔȣȑ ȞȍȕȚȘ șȚȘȈȚȍȋȐȟȍșȒȐȝ ȐșșȓȍȌȖȊȈȕȐȑ ȘȣȕȒȈ șȚȘȈȝȖȊȈȕȐȧ FinAssist ȗȘȍȌșȚȈȊȓȧȍȚ ȖȉȏȖȘ ȘȣȕȒȈ ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ (ǬǴǹ). Ǫ ȥȚȖȔ ȖȉȏȖȘȍ șȖȉȘȈȕȈ ȐȕȜȖȘȔȈȞȐȧ, ȒȖȚȖȘȈȧ ȗȖȔȖȎȍȚ ȓțȟȠȍ ȗȖȕȧȚȤ ȥȚȖȚ șȍȒȚȖȘ șȚȘȈȝȖȊȈȕȐȧ: ȒȈȒȐȍ șȚȘȈȝȖȊȣȍ ȒȖȔȗȈȕȐȐ ȗȘȍȌȖșȚȈȊȓȧȦȚ țșȓțȋȐ ȗȖ ǬǴǹ, ȒȚȖ Ȑȏ ȕȐȝ ȧȊȓȧȍȚșȧ ȓȐȌȍȘȖȔ, ȒȈȒȖȊȈ șȚȖȐȔȖșȚȤ Ȑ șȖșȚȈȊ ȖșȕȖȊȕȣȝ ȗȘȍȌȓȖȎȍȕȐȑ ȗȖ ǬǴǹ? Ǫ ȌȈȕȕȖȔ ȐșșȓȍȌȖȊȈȕȐȐ ȚȈȒȎȍ ȗȘȍȌșȚȈȊȓȍȕ ȗȍȘȍȟȍȕȤ ȖșȕȖȊȕȣȝ «ȗȖȌȊȖȌȕȣȝ ȒȈȔȕȍȑ», ȕȈ ȒȖȚȖȘȣȍ ȕȈȌȖ ȖȉȘȈȚȐȚȤ ȊȕȐȔȈȕȐȍ ȗȘȐ ȏȈȒȓȦȟȍȕȐȐ ȌȖȋȖȊȖȘȖȊ ȗȖ ǬǴǹ. Ǫ ȏȈȊȍȘȠȈȦȡȍȑ ȟȈșȚȐ ȖȉȏȖȘȈ ȗȘȐȊȍȌȍȕȈ ȐȕȜȖȘȔȈȞȐȧ Ȗ ȚȖȔ, ȒȈȒȐȍ ȐȏȔȍȕȍȕȐȧ ȗȘȍȚȍȘȗȍȓ ȘȣȕȖȒ ǬǴǹ Ȋ ȒȘȐȏȐș, Ȑ ȒȈȒȐȍ ȕȖȊȣȍ ȊȖȏȔȖȎȕȖșȚȐ ȗȖȧȊȐȓȐșȤ. ǵȈȌȍȍȔșȧ, ȟȚȖ ȥȚȖȚ ȖȉȏȖȘ ȗȖșȓțȎȐȚ ǪȈȔ ȗțȚȍȊȖȌȐȚȍȓȍȔ ȗȖ ȘȣȕȒț ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ Ȑ ȗȖȔȖȎȍȚ ȓțȟȠȍ șȖȘȐȍȕȚȐȘȖȊȈȚȤșȧ Ȋ Țȍȝ ȔȕȖȋȖȟȐșȓȍȕȕȣȝ ȗȘȍȌȓȖȎȍȕȐȧȝ, ȒȖȚȖȘȣȍ ȕȈ ȕȍȔ ȗȘȍȌșȚȈȊȓȍȕȣ.

The FinAssist Independent Center for Strategic Insurance Market Research presents an overview of the market for voluntary health insurance (VHI). This research work features the information that will help to better understand this branch of the insurance industry, namely the insurance companies that provide VHI services, market leaders, prices and the coverage of major VHI offers. The study also presents a list of major "pitfalls" to note when concluding VHI contracts. The final part of the review provides information on what changes the VHI market has undergone during the crisis, and what new opportunities it came up with. We hope that this overview will become your guide to the VHI market and help you to better orient in its numerous offers.�

ǞǬǭǷǴȂǬ 1. ǚǽǹǺǮǹȇǱ ǴǯǼǺǶǴ, ǺǭȆǱǸ ǼȇǹǶǬ Table 1. Main players, market size ǝǾǼǬȁǺǮǬȋ ǶǺǸǻǬǹǴȋ

ǏǺǼǺǰ ǝǭǺǼȇ ǻǺ ǐǘǝ *

ǝǚǏǌǓ ǘǺǽǶǮǬ 11 310 432

ǜǚǝǙǚ ǘǺǽǶǮǬ 3 256 200

ǌǗǨǠǌǝǞǜǌǡǚǎǌǙǔǑ ǘǺǽǶǮǬ 1 964 002

ǔǙǏǚǝǝǞǜǌǡ ǘǺǽǶǮǬ 1 840 364

ǜǑǝǚ-ǏǌǜǌǙǞǔǫ ǘǺǽǶǮǬ 1 668 151

ǒǌǝǚ ǘǺǽǶǮǬ 1 492 442

ǞǜǌǙǝǙǑǠǞǨ ǘǺǽǶǮǬ 1 422 414

ǝǟǜǏǟǞǙǑǠǞǑǏǌǓ ǝǿǼǯǿǾ 1 213 622

ǖǌǛǔǞǌǗ ǝǞǜǌǡǚǎǌǙǔǑ ǖǺǯǬǷȇǸ 1 119 308

ǘǌǖǝ ǘǺǽǶǮǬ 1 005 911 ǎǚǑǙǙǚ-ǝǞǜǌǡǚǎǌǫ ǖǚǘǛǌǙǔǫ ǘǺǽǶǮǬ 875 865

ǎǽǱǯǺ ǻǺ ǼȇǹǶǿ ǐǘǝ 38 494 678 *- 1 ȒȊȈȘȚȈȓ 2010 ȋȖȌȈ, Țȣș. Șțȉ. ǷȖ ȌȈȕȕȣȔ Ǽǹǹǵ.

Insurance company City VHI charges *

Sogaz Moscow 11 310 432

ROSNO Moscow 3 256 200

AlfaStrahovanie Moscow 1 964 002

INGOSSTRAKH Moscow 1 840 364

RESO-Garantia Moscow 1 668 151

ZHASO Moscow 1 492 442

Transneft Moscow 1 422 414

Surgutneftegas Surgut 1 213 622

Kapital Insurance Kogalym 1 119 308

MAKS Insurance Moscow 1 005 911

VSK Insurance Company Moscow 875 865

In all on the market of VHI 38 494 678

*- 1 quarter of 2010, thousand rubles, according to FSIS.



ǬȖȓȐ ȖșȕȖȊȕȣȝ ȐȋȘȖȒȖȊ (Shares of major players)

1 ȒȊȈȘȚȈȓ 2010 ȋȖȌȈ, ȗȖ ȌȈȕȕȣȔ Ǽǹǹǵ. ǳȐȌȍȘȣ ȏȈȕȐȔȈȦȚ ȉȖȓȍȍ 70% ȘȣȕȒȈ.

1st quarter of 2010, according to FSIS. Leaders possess more than 70 per cent of the market.

ǬǴǹ - șȈȔȣȑ ȗȖȗțȓȧȘȕȣȑ ȊȐȌ șȚȘȈȝȖȊȈȕȐȧ Ȋ ǸǼ (ȗȖ ȖȉȢȍȔȈȔ șȉȖȘȖȊ) VHI - the most popular type of insurance in Russia (in terms of the volume of charges)

ǬȖȓȧ șȉȖȘȖȊ șȚȘȈȝȖȊȣȝ ȗȘȍȔȐȑ, ȗȘȐȝȖȌȧȡȐȝșȧ ȕȈ ȘȈȏȓȐȟȕȣȍ ȊȐȌȣ șȚȘȈȝȖȊȈȕȐȧ Ȋ 1 ȒȊȈȘȚȈȓȍ 2010 ȋȖȌȈ (ȗȖ ȌȈȕȕȣȔ Ǽǹǹǵ). 26% ȊșȍȋȖ ȘȣȕȒȈ șȚȘȈȝȖȊȈȕȐȧ (ȒȘȖȔȍ ȖȉȧȏȈȚȍȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ) ȗȘȐȝȖȌȐȚșȧ ȕȈ ǬǴǹ.

The share of insurance premium charges, attributable to various types of insurance in the 1st quarter of 2010 (according to FSIS). 26 per cent of the total insurance market (except for compulsory health insurance) are accounted for VHI.



Ɉɫɧɨɜɧɵɟ ɜɢɞɵ ɩɚɤɟɬɨɜ ȾɆɋ ǬǴǹ Ȋ ȉȖȓȤȠȐȕșȚȊȍ șȓțȟȈȍȊ ȗȘȍȌșȚȈȊȓȧȍȚ Ȑȏ șȍȉȧ ȕȈȉȖȘ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ (ȗȈȒȍȚ), ȖȘȐȍȕȚȐȘȖȊȈȕȕȣȑ ȕȈ ȖȗȘȍȌȍȓȍȕȕțȦ ȒȈȚȍȋȖȘȐȦ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ ȓȦȌȍȑ. ǷȈȒȍȚȣ ȔȖȋțȚ ȘȈȏȓȐȟȈȚȤșȧ ȗȖ ȕȈȉȖȘț țșȓțȋ, ȗȖ ȗȘȍȌȖșȚȈȊȓȧȍȔȖȔț ȖȉȢȍȔț țșȓțȋ, ȗȖ ȚȍȘȘȐȚȖȘȐȐ ȌȍȑșȚȊȐȧ ȗȖȓȐșȈ, ȗȖ ȊȖȏȘȈșȚț ȏȈșȚȘȈȝȖȊȈȕȕȣȝ ȓȐȞ Ȑ Ț.Ȍ. ǞǬǭǷǴȂǬ 2. ǚǽǹǺǮǹȇǱ ǮǴǰȇ ǻǬǶǱǾǺǮ ǐǘǝ ǷȈȒȍȚ ǺȐȗȖȊȖȍ șȖȌȍȘȎȈȕȐȍ ǶȘȐȍȕȚȐȘȖ

ȊȖȟȕȈȧ ȞȍȕȈ

ǩȈȏȖȊȣȑ ǴȍȌȐȞȐȕșȒȖȍ șȚȘȈȝȖȊȈȕȐȍ ȊȏȘȖșȓȖȋȖ ȟȍȓȖȊȍȒȈ Ȋ ȊȖȏȘȈșȚȍ 18-60 ȓȍȚ. ǶȉȣȟȕȖ ȊȒȓȦȟȈȍȚ ȊȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ, ȈȔȉțȓȈȚȖȘȕȖȍ ȓȍȟȍȕȐȍ, ȋȖșȗȐȚȈȓȐȏȈȞȐȦ, ȕȍȖȚȓȖȎȕțȦ ȔȍȌȐȞȐȕșȒțȦ ȗȖȔȖȡȤ, șȚȖȔȈȚȖȓȖȋȐȟȍșȒțȦ ȗȖȔȖȡȤ (ș ȘȧȌȖȔ ȐșȒȓȦȟȍȕȐȑ).

30-40 Țȣș. Șțȉ ȕȈ ȟȍȓȖȊȍȒȈ Ȋ ȋȖȌ

ǬȍȚșȒȐȑ ǹȚȘȈȝȖȊȈȕȐȍ ȌȍȚȍȑ Ȋ ȊȖȏȘȈșȚȍ ȖȚ 0 ȌȖ 1 ȋȖȌȈ, ȖȚ 1 ȌȖ 3 ȓȍȚ, ȖȚ 3 ȌȖ 18 ȓȍȚ. ǪȒȓȦȟȈȍȚ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ, ȓȈȉȖȘȈȚȖȘȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȓȍȟȍȉȕȣȍ ȗȘȖȞȍȌțȘȣ, ȕȍȖȚȓȖȎȕțȦ ȔȍȌȐȞȐȕșȒțȦ ȗȖȔȖȡȤ, șȚȖȔȈȚȖȓȖȋȐȟȍșȒțȦ ȗȖȔȖȡȤ (ș ȘȧȌȖȔ ȐșȒȓȦȟȍȕȐȑ), ȋȖșȗȐȚȈȓȐȏȈȞȐȦ, ȊȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ.

50-60 Țȣș. Șțȉȓȍȑ

ǩȍȘȍȔȍȕȕȖșȚȤ Ȑ ȘȖȌȣ

ǷȘȖȋȘȈȔȔȈ ȗȘȍȌțșȔȈȚȘȐȊȈȍȚ ȗȘȖȊȍȌȍȕȐȍ ȒȖȔȗȓȍȒșȕȖȋȖ ȖȉșȓȍȌȖȊȈȕȐȧ Ȑ ȕȈȉȓȦȌȍȕȐȧ ȎȍȕȡȐȕ ȕȈ ȓȦȉȖȔ șȘȖȒȍ ȉȍȘȍȔȍȕȕȖșȚȐ ȗȍȘșȖȕȈȓȤȕȣȔ ȊȘȈȟȖȔ ȈȒțȠȍȘȖȔ-ȋȐȕȍȒȖȓȖȋȖȔ.


ǹȚȖȔȈȚȖȓȖȋȐȧ ǪȒȓȦȟȈȍȚ ȚȖȓȤȒȖ șȚȖȔȈȚȖȓȖȋȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ. ǶȉȣȟȕȖ Ȋ ȉȖȓȤȠȍȔ ȖȉȢȍȔȍ, ȟȍȔ Ȋ ȉȈȏȖȊȖȔ ȗȈȒȍȚȍ.


ǪȣȍȏȎȈȦȡȐȝ ȏȈ ȘțȉȍȎ

ǹȚȘȈȝȖȊȈȕȐȍ ȚțȘȐșȚȖȊ. ǴȍȌȐȞȐȕșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ ȗȘȐ ȏȈȘțȉȍȎȕȣȝ ȗȖȍȏȌȒȈȝ Ȋ șȓțȟȈȍ ȉȖȓȍȏȕȐ Ȑ ȚȘȈȊȔ.

ǶȚ 1 ȍȊȘȖ ȕȈ ȟȍȓȖȊȍȒȈ Ȋ ȌȍȕȤ

ǹȗȍȞȐȈȓȤȕȣȍ ǹȚȘȈȝȖȊȈȕȐȍ șȗȖȘȚșȔȍȕȖȊ, ȊȖȌȐȚȍȓȍȑ, ȥȒșȚȘȍȔȈȓȖȊ.

ǰȕȌȐȊȐȌțȈȓȤȕȖ

Basic VHI packages In most cases VHI is a set (package) of medical services focused on a particular category of insured persons. Packages can vary in terms of service range, offered service volume, policy territory, age of insured persons, etc. Table 2. Basic VHI packages

Package Typical contents Approximate price

Basic Package Health insurance for adults aged 18-60 years. Usually includes doctor’s visits, outpatient treatment, hospitalization, emergency care, dental care (with some exceptions).

30-40 thousand rubles per person per year

Child Package Insurance for children aged 0 to 1 year, 1 to 3 years, 3 to 18 years. Includes outpatient treatment, laboratory and diagnostic tests, treatment procedures, emergency care, dental care (with some exceptions), hospitalization, doctor’s visits.

50-60 thousand rubles

Pregnancy and labor

This program provides for a comprehensive survey and monitoring women at any stage of pregnancy personal by an obstetrician-gynecologist.


Dentistry Includes only dental care. Typically, to a greater extent than in the base package.


Travel packages

Tourist insurance. Medical care in foreign journeys in the event of illness or injury.

From 1 euro per person per day

Special packages

Insurance for athletes, drivers, extreme sportsmen.

Ƕn a case-by-case basis

ȾɆɋ ɢ ɤɪɢɡɢɫ: ɤɚɤɢɟ ɩɪɨɢɡɨɲɥɢɢɡɦɟɧɟɧɢɹ1 Ǫ 2009 ȋ. 11% ȘȖșșȐȑșȒȐȝ ȒȖȔȗȈȕȐȑ șȖȒȘȈȚȐȓȐ ȉȦȌȎȍȚȣ ȗȘȖȋȘȈȔȔ ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ (ǬǴǹ) șȖȚȘțȌȕȐȒȖȊ ȏȈ șȟȍȚ ȖȚȌȍȓȤȕȣȝ ȒȈȚȍȋȖȘȐȑ ȗȍȘșȖȕȈȓȈ, 24% țȔȍȕȤȠȐȓȐ șȚȖȐȔȖșȚȤ ȗȖȓȐșȖȊ ǬǴǹ ȊșȍȔ șȖȚȘțȌȕȐȒȈȔ, 65% ȘȈȉȖȚȖȌȈȚȍȓȍȑ ȕȍ ȗȍȘȍșȔȈȚȘȐȊȈȓȐ ȉȦȌȎȍȚ ȕȈ ǬǴǹ, țȚȊȍȘȎȌȈȦȚ șȗȍȞȐȈȓȐșȚȣ

VHI and the crisis: changes that took place2

In 2009, 11 per cent of Russian companies reduced the budgets of employee voluntary health insurance (VHI) programs at the expense of certain categories of staff, 24 per cent reduced the cost of health insurance policies to all employees, 65 per cent of employers didn’t change their VHI budget, according to the specialists from Renaissance Insurance and HeadHunter who surveyed the

1 ɉɨ ɦɚɬɟɪɢɚɥɚɦ ɝɚɡɟɬɵ «ȼɟɞɨɦɨɫɬɢ» 2 According to Vedomosti newspaper



«ǸȍȕȍșșȈȕș șȚȘȈȝȖȊȈȕȐȧ» Ȑ HeadHunter, ȖȗȘȖșȐȊ ȔȍȕȍȌȎȍȘȖȊ 424 ȔȈȓȣȝ, șȘȍȌȕȐȝ Ȑ ȒȘțȗȕȣȝ ȒȖȔȗȈȕȐȑ ȘȈȏȓȐȟȕȣȝ șȍȒȚȖȘȖȊ ȉȐȏȕȍșȈ.

managers of 424 small, medium and large companies in various business sectors.

ǝǺǶǼǬȅǱǹǴǱ ǭȊǰǲǱǾǬ ǹǬ ǐǘǝ ǞǬǭǷǴȂǬ 3. ǎ ǳǬǮǴǽǴǸǺǽǾǴ ǺǾ ǽȀǱǼȇ ǰǱȋǾǱǷȈǹǺǽǾǴ ǶǺǸǻǬǹǴǴ ǙǬ ǽǶǺǷȈǶǺ

ǽǺǶǼǬǾǴǷǽȋ ǭȊǰǲǱǾ ǹǬ ǸǱǰǴȂǴǹǽǶǺǱ ǽǾǼǬȁǺǮǬǹǴǱ?

ǛǼǺǸȇȄǷǱǹǹǺǽǾȈ, ǽǾǼǺǴǾǱǷȈǽǾǮǺ Ǵ ǾǼǬǹǽǻǺǼǾ

ǝǮȋǳȈ, ǴǹȀǺǼǸǬȂǴǺǹǹȇǱ ǾǱȁǹǺǷǺǯǴǴ

ǞǺǼǯǺǮǷȋ, ǺǭȅǱǽǾǮǱǹǹǺǱ ǻǴǾǬǹǴǱ, ǭȇǾǺǮǺǱ ǺǭǽǷǿǲǴǮǬǹǴǱ

ǠǴǹǬǹǽȇ, ǶǼǱǰǴǾǺǮǬǹǴǱ, ǽǾǼǬȁǺǮǬǹǴǱ

ǐǼǿǯǺǱ

ǚǽǾǬǷǽȋ ǹǬ ǿǼǺǮǹǱ 2008 ǯǺǰǬ

17% 43% 14% 23% 29%

ǝǺǶǼǬǾǴǷǽȋ ǸǱǹǱǱ ȃǱǸ ǹǬ 20%

67% 43% 43% 38% 47%

ǝǺǶǼǬǾǴǷǽȋ ǭǺǷǱǱ ȃǱǸ ǹǬ 20%

17% 14% 43% 38% 24%

ǔǾǺǯǺ 100% 100% 100% 100% 100%

ǝǺǶǼǬȅǱǹǴǱ ǭȊǰǲǱǾǬ ǹǬ ǐǘǝ ǞǬǭǷǴȂǬ 4. ǳǬǮǴǽǴǸǺǽǾǴ ǺǾ ȃǴǽǷǱǹǹǺǽǾǴ ǻǱǼǽǺǹǬǷǬ ǵȈ șȒȖȓȤȒȖ șȖȒȘȈȚȐȓșȧ ȉȦȌȎȍȚ ȕȈ ȔȍȌȐȞȐȕșȒȖȍ șȚȘȈȝȖȊȈȕȐȍ?

ǬȖ 50 ȟȍȓȖȊȍȒ

ǶȚ 50 ȌȖ 100

ǶȚ 100 ȌȖ 300

ǶȚ 300 ȌȖ 1000

ǩȖȓȤȠȍ 1000

ǶșȚȈȓșȧ ȕȈ țȘȖȊȕȍ 2008

38% 20% 11% 38% 17%

ǹȖȒȘȈȚȐȓșȧ Ȕȍȕȍȍ ȟȍȔ ȕȈ 20%

38% 20% 44% 50% 58%

ǹȖȒȘȈȚȐȓșȧ ȉȖȓȍȍ ȟȍȔ ȕȈ 20%

44% 60% 25% 13% 25%

ǰȚȖȋȖ 100% 100% 100% 100% 100%

ǰȏ Țȍȝ ȘȈȉȖȚȖȌȈȚȍȓȍȑ, ȒȚȖ ȊȣȕțȎȌȍȕ ȉȣȓ șȖȒȘȈȚȐȚȤ ȉȦȌȎȍȚ ȏȈ șȟȍȚ ǬǴǹ, 14% șȌȍȓȈȓȐ ȥȚȖ, șȖȒȘȈȚȐȊ ȟȐșȓȖ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ, 59% ȐșȒȓȦȟȐȓȐ Ȑȏ șȊȖȐȝ șȚȘȈȝȖȊȣȝ ȗȘȖȋȘȈȔȔ ȌȖȘȖȋȖșȚȖȧȡȐȍ țșȓțȋȐ Ȑ ȖȗȞȐȐ, Ȉ 27% ȐȏȔȍȕȐȓȐ ȗȍȘȍȟȍȕȤ ȗȖȓȐȒȓȐȕȐȒ. ǷȖ ȘȍȏțȓȤȚȈȚȈȔ ȖȗȘȖșȈ ȕȈȐȉȖȓȍȍ ȗȖȗțȓȧȘȕȣȔȐ Ȋ ȗȘȖȋȘȈȔȔȈȝ ǬǴǹ ȗȖ-ȗȘȍȎȕȍȔț ȖșȚȈȦȚșȧ ȗȖȓȐȒȓȐȕȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ, ȋȖșȗȐȚȈȓȐȏȈȞȐȧ, șȒȖȘȈȧ ȗȖȔȖȡȤ, ȊȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ Ȑ șȚȖȔȈȚȖȓȖȋȐȧ. ǷȖ ȌȈȕȕȣȔ ȐșșȓȍȌȖȊȈȕȐȧ HeadHunter, ȌȐȜȜȍȘȍȕȞȐȈȞȐȧ ȗȘȖȋȘȈȔȔ șȚȘȈȝȖȊȈȕȐȧ Ȍȓȧ ȘȈȏȓȐȟȕȣȝ ȒȈȚȍȋȖȘȐȑ șȖȚȘțȌȕȐȒȖȊ Ȑ ȐȏȔȍȕȍȕȐȍ țșȓȖȊȐȑ ȗȘȖȋȘȈȔȔ ȗȖȏȊȖȓȐȓȐ ȉȖȓȤȠȐȕșȚȊț ȖȗȘȖȠȍȕȕȣȝ ȒȖȔȗȈȕȐȑ șȖȒȘȈȚȐȚȤ ȉȦȌȎȍȚ ȕȈ ǬǴǹ ȕȈ 10-20%. 38% țȟȈșȚȕȐȒȖȊ ȖȗȘȖșȈ șȕȐȏȐȓȐ ȉȦȌȎȍȚȣ ȉȖȓȍȍ ȟȍȔ ȕȈ 20% (șȔ. ȚȈȉȓȐȞț 3). ǷȖ ȌȈȕȕȣȔ ȉȍȕȟȔȈȘȒȐȕȋȈ șȐșȚȍȔȣ țȗȘȈȊȓȍȕȐȧ ȗȍȘșȖȕȈȓȖȔ ǲǷǴǫ (2009 ȋ.), ȘȈșȝȖȌȣ ȕȈ ȓȤȋȖȚȣ Ȋ ȏȈȊȐșȐȔȖșȚȐ ȖȚ șȍȒȚȖȘȈ ȘȣȕȒȈ ȔȖȋțȚ șȖșȚȈȊȓȧȚȤ ȖȚ 5% ȌȖ 25% Ȋșȍȝ ȘȈșȝȖȌȖȊ ȕȈ ȗȍȘșȖȕȈȓ, ȗȘȐȟȍȔ ǬǴǹ — ȖȌȕȈ Ȑȏ șȈȔȣȝ ȌȖȘȖȋȐȝ șȖșȚȈȊȓȧȦȡȐȝ ȗȈȒȍȚȈ ȓȤȋȖȚ. «ǵȍțȌȐȊȐȚȍȓȤȕȖ, ȟȚȖ ȐȔȍȕȕȖ ȏȈ șȚȘȈȝȖȊȒț ȊȏȧȓȐșȤ șȗȍȞȐȈȓȐșȚȣ ȗȖ ȗȍȘșȖȕȈȓț, ȒȖȋȌȈ

Reducing the VHI budget Table 3. Depending on the industry the company is operating in

How did the VHI budget reduce?

Industry, construction and transport

Communications, IT

Commerce, public catering, domestic servicing

Finance, loan services, insurance

Other

Remains on the level of 2008

17% 43% 14% 23% 29%

Reduced by less than 20%

67% 43% 43% 38% 47%

Reduced by more than 20%

17% 14% 43% 38% 24%

Total 100% 100% 100% 100% 100%

Reducing the VHI budget Table 4. Depending on the number of company’s personnel

How did the VHI budget reduce?

Up to 50 people

50 – 100 people

100 – 300 people

300 – 1000 people

Over 1000 people

Remains on the level of 2008

38% 20% 11% 38% 17%

Reduced by less than 20%

38% 20% 44% 50% 58%

Reduced by more than 20%

44% 60% 25% 13% 25%

Total 100% 100% 100% 100% 100%

As for the employers who had to cut the budget at the expense of health insurance, 14 per cent did so by reducing the number of insured persons, 59 per cent excluded high cost options and services from their insurance programs, while 27% changed the list of polyclinics. According to the survey the most popular VHI options still include ambulatory medicine, hospitalization, ambulance, calling a doctor and dentistry. The study conducted by HeadHunter suggests that differentiation of insurance programs for various categories of staff and changes in program conditions have allowed most of the surveyed companies to reduce the VHI budget by 10-20 per cent. 38 per cent of respondents have reduced their budgets by more than 20 per cent (see table 3). According to the KPMG benchmarking system of personnel management (2009), the cost of benefits depending on the market sector can range from 5 to 25 per cent of all personnel expenditures, and health insurance is one of the most expensive components of the benefit package. "It is not surprising that after having exhausted all possible budget items the HR specialists finally came to insurance costs", - notes Antonina Krasik, HR and individual taxation Senior Consultant at KPMG in Russia and CIS.



ȌȘțȋȐȍ șȚȈȚȤȐ șȖȒȘȈȡȍȕȐȧ ȐȏȌȍȘȎȍȒ ȉȣȓȐ ȐșȟȍȘȗȈȕȣ», — ȏȈȔȍȟȈȍȚ ǨȕȚȖȕȐȕȈ ǲȘȈșȐȒ, șȚȈȘȠȐȑ ȒȖȕșțȓȤȚȈȕȚ ȋȘțȗȗȣ ȗȖ țȗȘȈȊȓȍȕȐȦ ȗȍȘșȖȕȈȓȖȔ Ȑ ȕȈȓȖȋȖȖȉȓȖȎȍȕȐȦ ȜȐȏȐȟȍșȒȐȝ ȓȐȞ, ǲǷǴǫ Ȋ ǸȖșșȐȐ Ȑ ǹǵǫ. ǷȖ ȌȈȕȕȣȔ, ȒȖȚȖȘȣȍ ȉȣȓȐ ȗȖȓțȟȍȕȣ Ȋ ȝȖȌȍ ȗȍȘȊȖȋȖ ȥȚȈȗȈ ȉȍȕȟȔȈȘȒȐȕȋȈ, ȔȕȖȋȐȍ ȒȖȔȗȈȕȐȐ șȚȈȘȈȓȐșȤ șȖȒȘȈȚȐȚȤ șȊȖȐ ȘȈșȝȖȌȣ ȕȈ ȔȍȌȐȞȐȕșȒȖȍ șȚȘȈȝȖȊȈȕȐȍ șȖȚȘțȌȕȐȒȖȊ, ȗȘȖȊȖȌȧ ȎȍșȚȒȐȍ ȗȍȘȍȋȖȊȖȘȣ șȖ șȚȘȈȝȖȊȣȔȐ ȒȖȔȗȈȕȐȧȔȐ, ȐȕȖȋȌȈ ș ȗȘȐȊȓȍȟȍȕȐȍȔ șȚȘȈȝȖȊȣȝ ȉȘȖȒȍȘȖȊ, ȟȚȖȉȣ ȌȖȉȐȚȤșȧ ȉȖȓȍȍ ȊȣȋȖȌȕȣȝ ȞȍȕȖȊȣȝ țșȓȖȊȐȑ. ǴȕȖȋȐȍ șȔȍȕȐȓȐ șȚȘȈȝȖȊȡȐȒȖȊ. ǵȍȒȖȚȖȘȣȍ ȗȖȠȓȐ ȗȖ ȗțȚȐ ȐȏȔȍȕȍȕȐȧ ȕȈȗȖȓȕȍȕȐȧ șȚȘȈȝȖȊȣȝ ȗȈȒȍȚȖȊ — țȔȍȕȤȠȍȕȐȧ ȒȖȓȐȟȍșȚȊȈ ȗȖȓȐȒȓȐȕȐȒ, ȕȈȉȖȘȈ țșȓțȋ Ȋ ȗȈȒȍȚȍ. ǵȍȒȖȚȖȘȣȍ — ȌȈȎȍ ȕȈ ȚȈȒțȦ ȘȈȌȐȒȈȓȤȕțȦ ȔȍȘț, ȒȈȒ ȖȚȒȈȏ ȖȚ șȚȘȈȝȖȊȈȕȐȧ ȥȒșȚȘȍȕȕȖȑ ȋȖșȗȐȚȈȓȐȏȈȞȐȐ, Ȑ ȏȈȔȍȕȐȓȐ ȍȋȖ ȌȍȗȖȏȐȚȖȔ. ǷȘȐ ȥȚȖȔ ȊȣȧșȕȐȓȖșȤ, ȟȚȖ ȚȈȒȖȑ ȠȈȋ ȟȈșȚȖ ȊȍȌȍȚ Ȓ țȊȍȓȐȟȍȕȐȦ ȘȈșȝȖȌȖȊ, Ȉ ȕȍ Ȓ ȥȒȖȕȖȔȐȐ. ǷȖ ȔȕȍȕȐȦ ǲȘȈșȐȒ, ȉȓȈȋȖȌȈȘȧ ȒȘȐȏȐșț ȘȣȕȖȒ șȚȈȓ ȉȖȓȍȍ ȋȐȉȒȐȔ: ȗȖȧȊȐȓȈșȤ ȊȖȏȔȖȎȕȖșȚȤ ȏȕȈȟȐȚȍȓȤȕȖ țȓțȟȠȐȚȤ șȚȈȕȌȈȘȚȕȣȍ ȗȈȒȍȚȣ, ȗȘȍȌȓȈȋȈȍȔȣȍ șȚȘȈȝȖȊȣȔȐ ȒȖȔȗȈȕȐȧȔȐ, șȌȍȓȈȊ Ȑȝ ȉȖȓȍȍ ȖȚȊȍȟȈȦȡȐȔȐ ȕțȎȌȈȔ Ȑ ȗȖȚȘȍȉȕȖșȚȧȔ ȒȖȕȒȘȍȚȕȖȑ ȒȖȔȗȈȕȐȐ, ȗȘȐ ȥȚȖȔ ȕȍ țȊȍȓȐȟȐȊ ȐȓȐ ȌȈȎȍ șȖȒȘȈȚȐȊ ȘȈșȝȖȌȣ. «ǰȕȖȋȌȈ ȎȍȓȈȍȔȖȋȖ ȥȜȜȍȒȚȈ șȖȒȘȈȡȍȕȐȧ (ȐȓȐ șȖȝȘȈȕȍȕȐȧ ȕȈ ȗȘȍȎȕȍȔ țȘȖȊȕȍ) ȏȈȚȘȈȚ ȔȖȎȕȖ ȌȖșȚȐȟȤ, ȕȍ Ȕȍȕȧȧ ȘȈȌȐȒȈȓȤȕȖ ȕȐ ȒȖȓȐȟȍșȚȊȈ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ, ȕȐ ȕȈȗȖȓȕȍȕȐȧ ȗȈȒȍȚȈ, — ȏȈȔȍȟȈȍȚ ȖȕȈ. — ǵȖ ȗȘȍȎȌȍ ȟȍȔ ȊȕȖșȐȚȤ ȐȏȔȍȕȍȕȐȧ Ȋ ȗȘȖȋȘȈȔȔț ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ Ȑ ȘȐșȒȖȊȈȚȤ ȌȍȔȖȚȐȊȐȘȖȊȈȚȤ șȖȚȘțȌȕȐȒȖȊ, ȘȈȉȖȚȖȌȈȚȍȓȧȔ șȚȖȐȚ ȟȍȚȒȖ șȜȖȘȔțȓȐȘȖȊȈȚȤ șȊȖȐ ȚȘȍȉȖȊȈȕȐȧ Ȓ șȚȘȈȝȖȊȖȔț ȗȘȖȌțȒȚț». ǻȟȈșȚȐȍ șȚȘȈȝȖȊȖȋȖ ȉȘȖȒȍȘȈ Ȋ ȗȘȖȞȍșșȍ ȖȗȚȐȔȐȏȈȞȐȐ ȏȈȚȘȈȚ ȕȈ ǬǴǹ Ȋ ȉȖȓȤȠȐȕșȚȊȍ șȓțȟȈȍȊ ȖȉȍșȗȍȟȐȊȈȍȚ ȌȖȗȖȓȕȐȚȍȓȤȕțȦ ȥȒȖȕȖȔȐȦ ȉȦȌȎȍȚȈ Ȋ ȘȈȏȔȍȘȍ 10-15% ȏȈ șȟȍȚ ȓțȟȠȍȋȖ ȏȕȈȕȐȧ ȘȣȕȒȈ – ȉȘȖȒȍȘ șȒȖȘȍȍ ȌȖȉȤȍȚșȧ țșȚțȗȖȒ șȖ șȚȖȘȖȕȣ șȚȘȈȝȖȊȖȑ ȒȖȔȗȈȕȐȐ Ȍȓȧ ȒȓȐȍȕȚȈ, Ȉ ȍșȓȐ ȥȚȖ ȕȍȊȖȏȔȖȎȕȖ, ȚȖ ȊșȍȋȌȈ ȗȖșȖȊȍȚțȍȚ ȌȘțȋȖȋȖ, ȉȖȓȍȍ șȋȖȊȖȘȟȐȊȖȋȖ, șȚȘȈȝȖȊȡȐȒȈ.

According to the data that were obtained during the first stage of benchmarking, many companies sought to reduce their expenditures on health insurance by conducting tough negotiations with insurance companies, sometimes involving insurance brokers in order to obtain more favorable pricing. Many of them changed their insurers. Some have chosen to change the contents of the insurance package by reducing the number of clinics and a set of services in the package. Some of them even gave up on such an important service as emergency hospitalization, and replaced it with a deposit. It was found that such a step often leads to increased costs, not to saving. According to Krasik, the crisis has made the market more flexible: there’s now an opportunity to significantly improve the standard packages offered by insurance companies, making them more responsive to the needs and requirements of a particular company, without increasing the cost and sometimes even reducing it. "The desired effect of reducing (or maintaining the same level of) costs can be sometimes achieved without radically altering either the number of the insured, or without filling the package - she notes. - But before making changes in the health insurance program and risking to discourage employees the employers should clearly define their insurance product requirements. The participation of an insurance broker in the process of optimizing the cost of health insurance in most cases provides additional 10 - 15 per cent savings in the budget due to better knowledge of the market - the broker will get the clients more concessions from the insurance company, and in case it is not possible, we can always advise a more pliant insurance company.



ǛǼǴǸǱǼ ǺǻǾǴǸǴǳǬȂǴǴ ǼǬǽȁǺǰǺǮ ǹǬ ǐǘǝ ǲȖȔȗȈȕȐȧ Ǩ ȖȉȘȈȚȐȓȈșȤ Ȓ șȚȘȈȝȖȊȖȔț ȉȘȖȒȍȘț ȗȖ ȗȖȊȖȌț șȖȒȘȈȡȍȕȐȧ ȘȈșȝȖȌȖȊ ȕȈ ǬǴǹ. ǷȖșȓȍ ȈȕȈȓȐȏȈ ȌȈȕȕȣȝ ȗȖ ȒȖȓȐȟȍșȚȊț ȖȉȘȈȡȍȕȐȑ Ȋ ȓȍȟȍȉȕȖ-ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ țȟȘȍȎȌȍȕȐȧ (ǳǷǻ) ȏȈșȚȘȈȝȖȊȈȕȕȣȝ șȖȚȘțȌȕȐȒȖȊ ȒȖȔȗȈȕȐȐ Ȋ ȗȘȍȌȣȌțȡȍȔ șȚȘȈȝȖȊȖȔ ȗȍȘȐȖȌȍ ȉȣȓȖ ȊȣȧșȕȍȕȖ, ȟȚȖ ȗȘȐȔȍȘȕȖ Ȋ 25% ǳǷǻ ȏȈ ȋȖȌ ȕȍ ȉȣȓȖ ȕȐ ȖȌȕȖȋȖ ȖȉȘȈȡȍȕȐȧ șȖȚȘțȌȕȐȒȖȊ, Ȑ ȍȡȍ ȗȘȐȔȍȘȕȖ Ȋ 10% ǳǷǻ ȉȣȓȐ ȚȖȓȤȒȖ ȍȌȐȕȐȟȕȣȍ ȖȉȘȈȡȍȕȐȧ. ǷȖșȓȍ șȖȊȔȍșȚȕȖȋȖ ș șȖȚȘțȌȕȐȒȈȔȐ șȚȘȈȝȖȊȖȋȖ ȉȘȖȒȍȘȈ ȈȕȈȓȐȏȈ ȗȘȖȋȘȈȔȔ ǬǴǹ, ȗȘȍȌșȚȈȊȓȍȕȕȣȝ ȕȈ ȘȣȕȒȍ, ȉȣȓȐ ȖȚȖȉȘȈȕȣ Țȍ, Ȋ ȒȖȚȖȘȣȝ ȗȘȐșțȚșȚȊȖȊȈȓȐ ȗȖȟȚȐ Ȋșȍ Țȍ ǳǷǻ, ȒȖȚȖȘȣȍ ȗȖȓȤȏțȦȚșȧ Ȋ ȒȖȔȗȈȕȐȐ ȔȈȒșȐȔȈȓȤȕȣȔ șȗȘȖșȖȔ Ȑ ȗȘȐ ȥȚȖȔ Ȑȏ ȕȐȝ ȐșȒȓȦȟȍȕȣ ȔȈȓȖ ȊȖșȚȘȍȉȖȊȈȕȕȣȍ ǳǷǻ Ȑ țșȓțȋȐ. Ǫ ȘȍȏțȓȤȚȈȚȍ ȚȈȒȖȑ ȖȗȚȐȔȐȏȈȞȐȐ ȉȦȌȎȍȚ ȕȈ ǬǴǹ ȉȣȓ șȖȒȘȈȡȍȕ ȕȈ 15%. ǷȘȐ ȥȚȖȔ ȕȐ ȒȖȓȐȟȍșȚȊȖ ȏȈșȚȘȈȝȖȊȈȕȕȣȝ, ȕȐ ȒȖȓȐȟȍșȚȊȖ Ȑ ȒȈȟȍșȚȊȖ ȘȍȈȓȤȕȖ ȊȖșȚȘȍȉȖȊȈȕȕȣȝ Ȋ ȒȖȔȗȈȕȐȐ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ șȖȒȘȈȡȍȕȖ ȕȍ ȉȣȓȖ.

An example of optimizing the VHI cost The A company asked the insurance broker about reducing the cost of health insurance. After analyzing data on the number of applications in medical and prophylactic institutions (MPI) of the company's insured employees in the previous insurance period it was found that about 25 per cent of health facilities didn’t get a single application of the company’s staff in a year and approximately 10 per cent of health facilities provided only sporadic treatment. After the mutual analysis of health insurance programs on the market, the company selected the ones that included nearly all the health facilities that are most demanded by company employees, and excluding the ones of small demand. As a result of this optimization the VHI budget was reduced by 15 per cent. Moreover, neither the number of the insured, nor the quantity or the quality of popular medical services weren’t reduced.

ɋɨɫɬɚɜ ɨɫɧɨɜɧɵɯ ɩɚɤɟɬɨɜ (The contents of the basic packages)

Ȼɚɡɨɜɵɣ ǲȖȕșțȓȤȚȈȞȐȐ Ȑ ȖȒȈȏȈȕȐȍ ȗȖȔȖȡȐ ȊȘȈȟȈȔȐ-șȗȍȞȐȈȓȐșȚȈȔȐ (Ȋ ȚȖȔ ȟȐșȓȍ ȗȖ șȗȍȞȐȈȓȤȕȖșȚȧȔ: ȚȍȘȈȗȐȧ, ȝȐȘțȘȋȐȧ, ȒȈȘȌȐȖȓȖȋȐȧ, ȘȍȊȔȈȚȖȓȖȋȐȧ, ȋȈșȚȘȖȥȕȚȍȘȖȓȖȋȐȧ, ȗțȓȤȔȖȕȖȓȖȋȐȧ, ȥȕȌȖȒȘȐȕȖȓȖȋȐȧ, ȕȍȜȘȖȓȖȋȐȧ, ȕȍȊȘȖȓȖȋȐȧ, ȐȕȜȍȒȞȐȖȕȕȣȍ ȉȖȓȍȏȕȐ, ȚȘȈȊȔȈȚȖȓȖȋȐȧ, țȘȖȓȖȋȐȧ, ȗȘȖȒȚȖȓȖȋȐȧ, ȋȐȕȍȒȖȓȖȋȐȧ, ȖȚȖȓȈȘȐȕȋȖȓȖȋȐȧ, ȖȜȚȈȓȤȔȖȓȖȋȐȧ, ȌȍȘȔȈȚȖȓȖȋȐȧ, ȖȕȒȖȓȖȋȐȧ (ȌȖ ȗȖșȚȈȕȖȊȒȐ ȌȐȈȋȕȖȏȈ), ȈȓȓȍȘȋȖȓȖȋȐȧ, ȐȔȔțȕȖȓȖȋȐȧ, șȚȖȔȈȚȖȓȖȋȐȧ Ȑ ȌȘ.), ȊȘȈȟȈȔȐ Ȗȉȡȍȑ ȗȘȈȒȚȐȒȐ ș ȖȜȖȘȔȓȍȕȐȍȔ Ȑ ȗȖȓțȟȍȕȐȍȔ Ȑ ȗȖșȓȍȌțȦȡȍȑ ȊȣȌȈȟȍȑ ȗȘȐ ȕȍȖȉȝȖȌȐȔȖșȚȐ ȓȐșȚȒȖȊ ȕȍȚȘțȌȖșȗȖșȖȉȕȖșȚȐ, ȔȍȌȐȞȐȕșȒȐȝ șȗȘȈȊȖȒ Ȑ ȘȍȞȍȗȚȖȊ, șȈȕȈȚȖȘȕȖ-ȒțȘȖȘȚȕȣȝ ȒȈȘȚ, ȏȈȒȓȦȟȍȕȐȑ Ȗ șȖșȚȖȧȕȐȐ ȏȌȖȘȖȊȤȧ, ȊȣȗȐșȖȒ Ȑȏ ȈȔȉțȓȈȚȖȘȕȣȝ ȒȈȘȚ Ȑ ȗȘ., ȈȓȤȚȍȘȕȈȚȐȊȕȣȍ ȒȖȕșțȓȤȚȈȞȐȐ ȊȍȌțȡȐȝ șȗȍȞȐȈȓȐșȚȖȊ, ȒȖȕșȐȓȐțȔȣ Ȑ ȌȘ. ǳȈȉȖȘȈȚȖȘȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ: ȒȓȐȕȐȟȍșȒȐȍ, ȉȈȒȚȍȘȐȖȓȖȋȐȟȍșȒȐȍ, ȉȐȖȝȐȔȐȟȍșȒȐȍ, șȍȘȖȓȖȋȐȟȍșȒȐȍ, ȋȐșȚȖȓȖȋȐȟȍșȒȐȍ, ȞȐȚȖȓȖȋȐȟȍșȒȐȍ. ǰȔȔțȕȖȓȖȋȐȟȍșȒȐȍ: ȋȘțȗȗȈ ȒȘȖȊȐ, Șȍȏțș-ȜȈȒȚȖȘ, ȗȍȘȊȐȟȕȈȧ șȒȘȐȕȐȕȋ-ȌȐȈȋȕȖșȚȐȒȈ șȐȜȐȓȐșȈ, Ǫǰǿ-ȐȕȜȍȒȞȐȐ. ǰȕșȚȘțȔȍȕȚȈȓȤȕȣȍ ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȊȒȓȦȟȈȧ ȜțȕȒȞȐȖȕȈȓȤȕțȦ ȌȐȈȋȕȖșȚȐȒț, țȓȤȚȘȈȏȊțȒȖȊȣȍ, ȥȕȌȖșȒȖȗȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȘȍȕȚȋȍȕȖȋȘȈȜȐȦ. ǷȘȖȞȍȌțȘȣ: ȜȐȏȐȖȚȍȘȈȗȐȧ (ȥȓȍȒȚȘȖ-, șȊȍȚȖ-, ȔȈȋȕȐȚȖ-, ȚȍȗȓȖȓȍȟȍȕȐȍ, ȓȈȏȍȘȖȚȍȘȈȗȐȧ, ȊȖȌȖȓȍȟȍȕȐȍ Ȑ ȌȘ.), ȓȍȟȍȉȕȈȧ ȜȐȏȒțȓȤȚțȘȈ, ȓȍȟȍȉȕȣȑ ȔȈșșȈȎ, ȐȋȓȖȘȍȜȓȍȒșȖȚȍȘȈȗȐȧ, ȐȕȢȍȒȞȐȐ, ȊȓȐȊȈȕȐȧ, ȐȔȔțȕȖȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȔȍȘȖȗȘȐȧȚȐȧ. ǴȍȌȐȞȐȕșȒȈȧ ȗȖȔȖȡȤ ȕȈ ȌȖȔț ȉȖȓȤȕȣȔ, ȒȖȚȖȘȣȍ ȗȖ șȖșȚȖȧȕȐȦ ȏȌȖȘȖȊȤȧ ȕȍ ȔȖȋțȚ șȈȔȖșȚȖȧȚȍȓȤȕȖ ȖȉȘȈȚȐȚȤșȧ Ȋ ȓȍȟȍȉȕȖȍ țȟȘȍȎȌȍȕȐȍ: ȗȍȘȊȐȟȕȣȍ Ȑ ȗȖȊȚȖȘȕȣȍ ȖșȔȖȚȘȣ ȏȈșȚȘȈȝȖȊȈȕȕȖȋȖ ȕȈ ȌȖȔț, ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ, ȏȈȉȖȘ ȔȈȚȍȘȐȈȓȈ Ȑ ȗȘȖȊȍȌȍȕȐȍ ȜțȕȒȞȐȖȕȈȓȤȕȣȝ ȐșșȓȍȌȖȊȈȕȐȑ ȕȈ ȌȖȔț, ȍșȓȐ ȌȈȕȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ ȕȍȖȉȝȖȌȐȔȣ ȗȖ ȔȍȌȐȞȐȕșȒȐȔ ȗȖȒȈȏȈȕȐȧȔ. ǹȚȖȔȈȚȖȓȖȋȐȟȍșȒȐȍ țșȓțȋȐ: 9 ȒȖȕșțȓȤȚȈȞȐȧ șȚȖȔȈȚȖȓȖȋȈ;



9 ȚȍȘȈȗȍȊȚȐȟȍșȒȈȧ șȚȖȔȈȚȖȓȖȋȐȧ: ȓȍȟȍȕȐȍ ȒȈȘȐȍșȈ ș ȗȘȐȔȍȕȍȕȐȍȔ ȖȚȍȟȍșȚȊȍȕȕȣȝ Ȑ/ȐȓȐ ȐȔȗȖȘȚȕȣȝ ȒȖȔȗȖȏȐȚȕȣȝ ȔȈȚȍȘȐȈȓȖȊ, ȓȍȟȍȕȐȍ ȖșȚȘȖȋȖ Ȑ ȝȘȖȕȐȟȍșȒȖȋȖ ȗțȓȤȗȐȚȈ, ȝȘȖȕȐȟȍșȒȖȋȖ ȗȍȘȐȖȌȖȕȚȐȚȈ Ȋ ȜȈȏȍ ȖȉȖșȚȘȍȕȐȧ;

9 ȘȍȕȚȋȍȕȖȓȖȋȐȟȍșȒȖȍ ȖȉșȓȍȌȖȊȈȕȐȍ, ȊȐȏȐȖȋȘȈȜȐȧ; 9 ȈȕȍșȚȍȏȐȖȓȖȋȐȟȍșȒȐȍ ȔȈȕȐȗțȓȧȞȐȐ; 9 ȝȐȘțȘȋȐȟȍșȒȈȧ șȚȖȔȈȚȖȓȖȋȐȧ: țȌȈȓȍȕȐȍ ȏțȉȖȊ ȗȖ ȔȍȌȐȞȐȕșȒȐȔ ȗȖȒȈȏȈȕȐȧȔ, ȘȈȏȘȍȏȣ ȗȘȐ ȗȍȘȐȖșȚȐȚȈȝ, ȗȍȘȐȖȌȖȕȚȐȚȈȝ, ȊșȒȘȣȚȐȍ ȈȉșȞȍșșȖȊ, ȐșșȍȟȍȕȐȍ șȓȐȏȐșȚȖȋȖ «ȒȈȗȦȠȖȕȈ».

ǬȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ ȕȈ ȉȈȏȍ șȚȈȞȐȖȕȈȘȈ.

Ⱦɟɬɫɤɢɣ 1. ǷȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȗȓȈȕȖȊȣȍ ȔȍȘȖȗȘȐȧȚȐȧ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ: 9 ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȗȘȐȍȔȣ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ, ȗȘȍȌțșȔȖȚȘȍȕȕȣȍ ȕȖȘȔȈȚȐȊȕȣȔȐ ȌȖȒțȔȍȕȚȈȔȐ;

9 ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȍ ȗȘȐȍȔȣ ȊȘȈȟȍȑ-șȗȍȞȐȈȓȐșȚȖȊ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ: ȕȍȊȘȖȓȖȋȈ, ȖȘȚȖȗȍȌȈ-ȚȘȈȊȔȈȚȖȓȖȋȈ Ȑ ȖȜȚȈȓȤȔȖȓȖȋȈ (ȗȘȍȌțșȔȖȚȘȍȕȕȣȍ ȕȖȘȔȈȚȐȊȕȣȔȐ ȌȖȒțȔȍȕȚȈȔȐ), ȖȚȖȓȈȘȐȕȋȖȓȖȋȈ (ȗȖ ȗȖȒȈȏȈȕȐȧȔ), șȚȖȔȈȚȖȓȖȋȈ (ȗȖ ȗȖȒȈȏȈȕȐȧȔ), ȒȈȘȌȐȖȘȍȊȔȈȚȖȓȖȋȈ (ȗȖ ȗȖȒȈȏȈȕȐȧȔ);

9 ȐȔȔțȕȖȗȘȖȜȐȓȈȒȚȐȒȈ ȐȕȜȍȒȞȐȖȕȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ ȖȚȍȟȍșȚȊȍȕȕȣȔȐ ȊȈȒȞȐȕȈȔȐ Ȋ șȖȖȚȊȍȚșȚȊȐȐ ș ǵȈȞȐȖȕȈȓȤȕȣȔ ȒȈȓȍȕȌȈȘȍȔ ȗȘȐȊȐȊȖȒ, ȊȒȓȦȟȈȧ ȗȘȍȌȊȈȘȐȚȍȓȤȕȣȑ ȖșȔȖȚȘ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ.

2. ǨȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȍ ȖȉșȓțȎȐȊȈȕȐȍ ș ȗȖȔȖȡȤȦ ȕȈ ȌȖȔț, șȖ șȚȖȔȈȚȖȓȖȋȐȍȑ: ȓȍȟȍȉȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȗȘȐȍȔȣ ȊȘȈȟȍȑ-șȗȍȞȐȈȓȐșȚȖȊ Ȋ țșȓȖȊȐȧȝ ȈȔȉțȓȈȚȖȘȕȖ-ȗȖȓȐȒȓȐȕȐȟȍșȒȖȋȖ țȟȘȍȎȌȍȕȐȧ ȗȖ ȘȍȒȖȔȍȕȌȈȞȐȐ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ Ȋ șȖȖȚȊȍȚșȚȊȐȐ ș ȗȖȒȈȏȈȕȐȧȔȐ – ȝȐȘțȘȋȈ, ȒȈȘȌȐȖȓȖȋȈ, ȋȈșȚȘȖȥȕȚȍȘȖȓȖȋȈ, ȕȍȜȘȖȓȖȋȈ, ȥȕȌȖȒȘȐȕȖȓȖȋȈ, ȜȐȏȐȖȚȍȘȈȗȍȊȚȈ, ȖȒțȓȐșȚȈ, ȊȘȈȟȈ ǳǼǲ, ȚȘȈȊȔȈȚȖȓȖȋȈ, țȘȖȓȖȋȈ, ȖȚȖȓȈȘȐȕȋȖȓȖȋȈ, ȕȍȊȘȖȓȖȋȈ, ȗțȓȤȔȖȕȖȓȖȋȈ, ȌȍȘȔȈȚȖȊȍȕȍȘȖȓȖȋȈ, ȈȒțȠȍȘȈ-ȋȐȕȍȒȖȓȖȋȈ, ȈȓȓȍȘȋȖȓȖȋȈ, ȗȘȖȒȚȖȓȖȋȈ, ȖȕȒȖȓȖȋȈ (ȌȖ ȗȖșȚȈȕȖȊȒȐ ȖȕȒȖȌȐȈȋȕȖȏȈ), ȗșȐȝȖȕȍȊȘȖȓȖȋȈ (ȗȍȘȊȐȟȕȣȑ ȗȘȐȍȔ), ȖȜȖȘȔȓȍȕȐȍ Ȑ ȊȣȌȈȟȈ ȏȈșȚȘȈȝȖȊȈȕȕȖȔț ȕȍȖȉȝȖȌȐȔȖȑ ȔȍȌȐȞȐȕșȒȖȑ ȌȖȒțȔȍȕȚȈȞȐȐ. 3. ǳȈȉȖȘȈȚȖȘȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ: 9 ȓȈȉȖȘȈȚȖȘȕȈȧ ȌȐȈȋȕȖșȚȐȒȈ: ȖȉȡȍȒȓȐȕȐȟȍșȒȐȍ, ȉȐȖȝȐȔȐȟȍșȒȐȍ, șȍȘȖȓȖȋȐȟȍșȒȐȍ, ȉȈȒȚȍȘȐȖȓȖȋȐȟȍșȒȐȍ, ȐȔȔțȕȖȓȖȋȐȟȍșȒȐȍ, ȋȖȘȔȖȕȈȓȤȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ, ǷǾǸ-ȌȐȈȋȕȖșȚȐȒȈ;

9 ȘȈȌȐȖȐȏȖȚȖȗȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȘȍȕȚȋȍȕȌȐȈȋȕȖșȚȐȒȈ Ȋ ȗȖȓȕȖȔ ȖȉȢȍȔȍ; 9 țȓȤȚȘȈȏȊțȒȖȊȣȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȜțȕȒȞȐȖȕȈȓȤȕȈȧ ȌȐȈȋȕȖșȚȐȒȈ (ȅǲǫ, ǸǪǫ, Ǹȅǫ, ȅȅǫ, ȅȝȖ-ȅǫ, ȜȖȕȖȒȈȘȌȐȖȋȘȈȜȐȧ Ȑ Ț.Ȍ.); 9 ȥȕȌȖșȒȖȗȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȌȐȈȋȕȖșȚȐȟȍșȒȈȧ ȉȐȖȗșȐȧ. 4. ǪȖșșȚȈȕȖȊȐȚȍȓȤȕȖȍ ȓȍȟȍȕȐȍ Ȋ ȗȖȓȐȒȓȐȕȐȒȍ: ȜȐȏȐȖȚȍȘȈȗȐȧ: ȕȈȏȕȈȟȍȕȐȍ ȕȍ ȉȖȓȍȍ 2-ȝ ȊȐȌȖȊ ȜȐȏȐȖȗȘȖȞȍȌțȘ ȗȖ ȗȖȊȖȌț ȖȌȕȖȋȖ șȚȘȈȝȖȊȖȋȖ șȖȉȣȚȐȧ; ǳǼǲ; ȒȓȈșșȐȟȍșȒȐȑ ȓȍȟȍȉȕȣȑ ȔȈșșȈȎ, ȒȓȈșșȐȟȍșȒȈȧ ȒȖȘȗȖȘȈȓȤȕȈȧ ǰǸǺ, ȖȏȌȖȘȖȊȐȚȍȓȤȕȣȑ ȔȈșșȈȎ Ȋ ȗȖȓȐȒȓȐȕȐȒȍ. 5. ǪȣȏȖȊ ȊȘȈȟȈ ȕȈ ȌȖȔ: ȓȍȟȍȕȐȍ Ȑ ȈȒȚȐȊȕȖȍ ȕȈȉȓȦȌȍȕȐȍ ȌȖ țȓțȟȠȍȕȐȧ șȖșȚȖȧȕȐȧ ȊȘȈȟȖȔ-ȗȍȌȐȈȚȘȖȔ ȘȍȉȍȕȒȈ ș ȖșȚȘȣȔ ȏȈȉȖȓȍȊȈȕȐȍȔ ȕȈ ȌȖȔț: ȗȍȘȊȐȟȕȣȍ, ȗȖȊȚȖȘȕȣȍ ȖșȔȖȚȘȣ ȊȘȈȟȈ-ȗȍȌȐȈȚȘȈ ȕȈ ȌȖȔț. 6. ǹȚȖȔȈȚȖȓȖȋȐȟȍșȒȈȧ ȗȖȔȖȡȤ: ȗȍȘȊȐȟȕȣȍ ȒȖȕșțȓȤȚȈȞȐȐ ȊȘȈȟȍȑ-șȗȍȞȐȈȓȐșȚȖȊ (șȚȖȔȈȚȖȓȖȋȈ-ȚȍȘȈȗȍȊȚȈ, șȚȖȔȈȚȖȓȖȋȈ-ȝȐȘțȘȋȈ, ȗȈȘȖȌȖȕȚȖȓȖȋȈ); ȚȍȘȈȗȍȊȚȐȟȍșȒȖȍ ȓȍȟȍȕȐȍ: ȓȍȟȍȕȐȍ ȒȈȘȐȍșȈ Ȑ ȍȋȖ ȖșȓȖȎȕȍȕȐȑ (ȗțȓȤȗȐȚȈ, ȗȍȘȐȖȌȖȕȚȐȚȈ) ș ȐșȗȖȓȤȏȖȊȈȕȐȍȔ șȖȊȘȍȔȍȕȕȣȝ șȊȍȚȖ- Ȑ ȝȐȔȐȖȖȚȊȍȘȎȌȈȍȔȣȝ ȔȈȚȍȘȐȈȓȖȊ, ȋțȚȚȈȗȍȘȟȍȊȣȝ ȠȚȐȜȚȖȊ; ȊȖșșȚȈȕȖȊȓȍȕȐȍ ȒȖȘȖȕȒȖȊȖȑ ȟȈșȚȐ ȏțȉȖȊ ȗȘȐ ȍȍ ȘȈȏȘțȠȍȕȐȐ Ȕȍȕȍȍ ȟȍȔ ȕȈ 50%; ȝȐȘțȘȋȐȟȍșȒȈȧ ȗȖȔȖȡȤ ȗȘȐ ȖșȚȘȣȝ Ȑ ȖȉȖșȚȘȍȕȐȐ ȝȘȖȕȐȟȍșȒȐȝ ȏȈȉȖȓȍȊȈȕȐȑ: țȌȈȓȍȕȐȍ ȏțȉȖȊ ȘȈȏȓȐȟȕȖȑ șȓȖȎȕȖșȚȐ, ȓȍȟȍȕȐȍ ȊȖșȗȈȓȐȚȍȓȤȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ ȗȖȓȖșȚȐ ȘȚȈ; șȕȧȚȐȍ ȕȈȌȌȍșȕȍȊȣȝ ȏțȉȕȣȝ ȖȚȓȖȎȍȕȐȑ; Ȋșȍ ȊȐȌȣ ȔȍșȚȕȖȋȖ ȖȉȍȏȉȖȓȐȊȈȕȐȧ;



ȘȍȕȚȋȍȕȌȐȈȋȕȖșȚȐȒȈ, ȘȈȌȐȖȊȐȏȐȖȋȘȈȜȐȧ; ȜȐȏȐȖȚȍȘȈȗȍȊȚȐȟȍșȒȐȍ ȗȘȖȞȍȌțȘȣ ȗȘȐ ȖșȚȘȣȝ șȖșȚȖȧȕȐȧȝ; ȒțȗȐȘȖȊȈȕȐȍ ȖșȚȘȣȝ șȖșȚȖȧȕȐȑ ȗȘȐ ȏȈȉȖȓȍȊȈȕȐȧȝ ȗȈȘȈȌȖȕȚȈ. 7. ǹȒȖȘȈȧ ȔȍȌȐȞȐȕșȒȈȧ ȗȖȔȖȡȤ: 9 ȊȣȍȏȌ ȉȘȐȋȈȌȣ șȒȖȘȖȑ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ Ȓ ȔȍșȚț ȕȈȝȖȎȌȍȕȐȧ ȏȈșȚȘȈȝȖȊȈȕȕȖȋȖ; 9 ȗȘȖȊȍȌȍȕȐȍ ȕȍȖȉȝȖȌȐȔȖȑ ȥȒșȗȘȍșș-ȌȐȈȋȕȖșȚȐȒȐ; 9 ȥȒșȚȘȍȕȕȣȍ ȓȍȟȍȉȕȣȍ ȔȈȕȐȗțȓȧȞȐȐ; 9 ȥȒșȚȘȍȕȕȈȧ ȔȍȌȐȞȐȕșȒȈȧ ȚȘȈȕșȗȖȘȚȐȘȖȊȒȈ Ȋ șȚȈȞȐȖȕȈȘ. 8. ȅȒșȚȘȍȕȕȈȧ Ȑ ȗȓȈȕȖȊȈȧ ȋȖșȗȐȚȈȓȐȏȈȞȐȧ: ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ (ȚȍȘȈȗȍȊȚȐȟȍșȒȖȑ, ȝȐȘțȘȋȐȟȍșȒȖȑ Ȑ ȌȘ.) Ȋ țșȓȖȊȐȧȝ șȚȈȞȐȖȕȈȘȈ ȗȘȐ ȖșȚȘȣȝ ȏȈȉȖȓȍȊȈȕȐȧȝ, ȖȉȖșȚȘȍȕȐȧȝ ȝȘȖȕȐȟȍșȒȐȝ, ȖȚȘȈȊȓȍȕȐȧ Ȑ ȚȘȈȊȔȈȝ, țȋȘȖȎȈȦȡȐȝ ȎȐȏȕȐ ȉȖȓȤȕȖȋȖ Ȑ ȚȘȍȉțȦȡȐȝ ȐȕȚȍȕșȐȊȕȖȋȖ ȓȍȟȍȕȐȧ Ȑ ȒȘțȋȓȖșțȚȖȟȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ ȕȈȉȓȦȌȍȕȐȧ. 9. ǻșȓțȋȐ ȒȘțȋȓȖșțȚȖȟȕȖȋȖ ȞȍȕȚȘȈ ȗȖ ȖȘȋȈȕȐȏȈȞȐȐ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ: șȖȉșȚȊȍȕȕȈȧ șȓțȎȉȈ șȚȘȈȝȖȊȖȑ ȒȖȔȗȈȕȐȐ, ȖȉȍșȗȍȟȐȊȈȦȡȈȧ ȒȘțȋȓȖșțȚȖȟȕțȦ șȊȧȏȤ ș ȏȈșȚȘȈȝȖȊȈȕȕȣȔ Ȑ ȖȗȍȘȈȚȐȊȕȖ ȖȘȋȈȕȐȏȖȊȣȊȈȦȡȈȧ ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȖȑ ȗȖȔȖȡȐ Ȋ ȖȉȢȍȔȈȝ Ȑ ȒȈȟȍșȚȊȍ, șȖȖȚȊȍȚșȚȊțȦȡȐȔ țșȓȖȊȐȧȔ ȗȘȖȋȘȈȔȔȣ șȚȘȈȝȖȊȈȕȐȧ.

Ȼɟɪɟɦɟɧɧɨɫɬɶ ɢ ɪɨɞɵ ǷȘȖȋȘȈȔȔȈ ȗȘȍȌțșȔȈȚȘȐȊȈȍȚ ȗȘȖȊȍȌȍȕȐȍ ȒȖȔȗȓȍȒșȕȖȋȖ ȖȉșȓȍȌȖȊȈȕȐȧ Ȑ ȕȈȉȓȦȌȍȕȐȧ ȎȍȕȡȐȕ ȕȈ ȓȦȉȖȔ șȘȖȒȍ ȉȍȘȍȔȍȕȕȖșȚȐ ȗȍȘșȖȕȈȓȤȕȣȔ ȊȘȈȟȖȔ ȈȒțȠȍȘȖȔ-ȋȐȕȍȒȖȓȖȋȖȔ Ȑ ȊȒȓȦȟȈȍȚ Ȋ șȍȉȧ: 9 ȗȘȖȊȍȌȍȕȐȍ ȒȖȕșțȓȤȚȈȞȐȑ ȐȕȌȐȊȐȌțȈȓȤȕȖȋȖ ȊȘȈȟȈ ȈȒțȠȍȘȈ-ȋȐȕȍȒȖȓȖȋȈ; 9 ȖșȔȖȚȘȣ ȊȘȈȟȈȔȐ — șȗȍȞȐȈȓȐșȚȈȔȐ (ȚȍȘȈȗȍȊȚȖȔ, șȚȖȔȈȚȖȓȖȋȖȔ, ȖȒțȓȐșȚȖȔ, ȖȚȖȓȈȘȐȕȋȖȓȖȋȖȔ, ȝȐȘțȘȋȖȔ Ȑ ȋȍȕȍȚȐȒȖȔ);

ȗȘȖȊȍȌȍȕȐȍ ȒȖȔȗȓȍȒșȈ ȐȕșȚȘțȔȍȕȚȈȓȤȕȣȝ Ȑ ȓȈȉȖȘȈȚȖȘȕȖ-ȌȐȈȋȕȖșȚȐȟȍșȒȐȝ ȔȍȘȖȗȘȐȧȚȐȑ, Ȋ ȟȈșȚȕȖșȚȐ: ǻǯ-ȐșșȓȍȌȖȊȈȕȐȧ, ȌȖȗȗȓȍȘȖȔȍȚȘȐȧ, ȊȕțȚȘȐțȚȘȖȉȕȈȧ ȅǽǶ-ǲǫ ȗȓȖȌȈ, ȖȗȘȍȌȍȓȍȕȐȍ ȋȘțȗȗȣ ȒȘȖȊȐ Ȑ Rh-ȜȈȒȚȖȘȈ, ȐșșȓȍȌȖȊȈȕȐȍ ȗȖ ȗȖȒȈȏȈȕȐȧȔ Rh-ȈȕȚȐȚȍȓ Ȑ ȚȐȚȘ Rh-ȈȕȚȐȚȍȓ, ȐșșȓȍȌȖȊȈȕȐȍ ȒȘȖȊȐ ȕȈ RW, Ǫǰǿ-ȐȕȜȍȒȞȐȦ, ȋȍȔșȐȕȌȘȖȔ, ȖȗȘȍȌȍȓȍȕȐȍ ȋȓȦȒȖȏȣ ȒȘȖȊȐ, ȒȓȐȕȐȟȍșȒȐȍ ȈȕȈȓȐȏȣ ȒȘȖȊȐ, ȐșșȓȍȌȖȊȈȕȐȧ ȔȖȟȐ, ȐșșȓȍȌȖȊȈȕȐȧ ȊȓȈȋȈȓȐȡȕȖȋȖ ȖȚȌȍȓȧȍȔȖȋȖ ȕȈ ȜȓȖȘț, Ȉ ȒȘȖȔȍ ȚȖȋȖ - ȖȗȘȍȌȍȓȍȕȐȍ ǽǫǿ Ȑ ǨǷǼ Ȋ ȒȘȖȊȐ, ȐșșȓȍȌȖȊȈȕȐȍ ȒȘȖȊȐ ȕȈ ǾǴǪ, ȋȍȘȗȍș, ȚȖȒșȖȗȓȈȏȔȖȏ, ȒȘȈșȕțȝț, ȊȓȈȋȈȓȐȡȕȖȋȖ ȖȚȌȍȓȧȍȔȖȋȖ ȕȈ ȝȓȈȔȐȌȐȖȏ, țȘȍȈȗȓȈȏȔȖȏ, ȔȐȒȖȗȓȈȏȔȖȏ, ȞȐȚȖȓȖȋȐȟȍșȒȖȍ ȐșșȓȍȌȖȊȈȕȐȍ ȊȓȈȋȈȓȐȡȕȖȋȖ ȔȈȏȒȈ, ȉȈȒȚȍȘȐȖȓȖȋȐȟȍșȒȖȍ ȐșșȓȍȌȖȊȈȕȐȍ.

Ɉɫɨɛɟɧɧɨɫɬɢ ɩɚɤɟɬɨɜ – ɧɚ ɱɬɨ ɨɛɪɚɬɢɬɶɜɧɢɦɚɧɢɟ ǷȘȐ ȊȣȉȖȘȍ ȗȖȓȐșȈ ȌȖȉȘȖȊȖȓȤȕȖȋȖ ȔȍȌȐȞȐȕșȒȖȋȖ șȚȘȈȝȖȊȈȕȐȧ ȕȍȖȉȝȖȌȐȔȖ ȖȉȘȈȚȐȚȤ ȊȕȐȔȈȕȐȍ ȕȍ ȚȖȓȤȒȖ ȕȈ șȖșȚȈȊ ȗȈȒȍȚȈ țșȓțȋ Ȑ ȕȈ ȍȋȖ șȚȖȐȔȖșȚȤ, ȕȖ Ȑ ȕȈ ȘȧȌ ȖșȖȉȍȕȕȖșȚȍȑ, ȒȖȚȖȘȣȍ ȖȉȣȟȕȖ ȕȍ ȜȐȋțȘȐȘțȦȚ Ȋ ȘȍȒȓȈȔȕȣȝ ȔȈȚȍȘȐȈȓȈȝ. ǻȏȕȈȚȤ Ȑȝ ȔȖȎȕȖ, ȚȖȓȤȒȖ ȊȕȐȔȈȚȍȓȤȕȖ ȐȏțȟȐȊ ȌȖȋȖȊȖȘ șȚȘȈȝȖȊȈȕȐȧ.

Package features – things to pay attention to Selecting the policy of voluntary health insurance requires the attention not only to the contents of service package and its cost, but also to the number of features that do not normally appear in promotional materials. You can get to know them by carefully studying the insurance contract.

Ɉɫɧɨɜɧɵɟ ɢɫɤɥɸɱɟɧɢɹ ɢɡ ɫɬɪɚɯɨɜɵɯɫɥɭɱɚɟɜ 1. ȓȦȉȣȍ ȔȍȌȐȞȐȕșȒȐȍ țșȓțȋȐ, ȕȍ ȗȘȍȌțșȔȖȚȘȍȕȕȣȍ ȗȘȖȋȘȈȔȔȖȑ Ȑ ȕȍ ȗȘȍȌȗȐșȈȕȕȣȍ ȊȘȈȟȖȔ; 2. ȖȒȈȏȈȕȐȍ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ (ȗȖșȓȍ ȗȖșȚȈȕȖȊȒȐ ȌȐȈȋȕȖȏȈ) Ȋ șȊȧȏȐ ș ȖȉȘȈȡȍȕȐȍȔ ȗȖ ȗȖȊȖȌț: 9 ȏȓȖȒȈȟȍșȚȊȍȕȕȣȝ ȖȕȒȖȓȖȋȐȟȍșȒȐȝ ȏȈȉȖȓȍȊȈȕȐȑ Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;

The main insurance exclusions are as follows 1. any medical services not covered by the program and not prescribed by a doctor; 2. provision of health services (after establishing the diagnosis) related to the treatment of: 9 cancer diseases and their complications; 9 congenital and hereditary diseases,

congenital malformations of organs and



9 ȊȘȖȎȌȍȕȕȣȝ Ȑ ȕȈșȓȍȌșȚȊȍȕȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ, ȊȘȖȎȌȍȕȕȣȝ ȈȕȖȔȈȓȐȑ ȘȈȏȊȐȚȐȧ ȖȘȋȈȕȖȊ Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;

9 ȊȍȕȍȘȐȟȍșȒȐȝ ȏȈȉȖȓȍȊȈȕȐȑ, Ǫǰǿ-ȐȕȜȍȒȞȐȐ Ȑ ǹǷǰǬ Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;

9 ȥȗȐȓȍȗșȐȐ (ȗȍȘȊȐȟȕȖȑ Ȑ șȐȔȗȚȖȔȈȚȐȟȍșȒȖȑ), ȗșȐȝȐȟȍșȒȐȝ ȘȈșșȚȘȖȑșȚȊ Ȑ ȘȈșșȚȘȖȑșȚȊ ȗȖȊȍȌȍȕȐȧ, Ȋ ȚȖȔ ȟȐșȓȍ ȈȓȒȖȋȖȓȐȏȔȈ, ȕȈȘȒȖȔȈȕȐȐ, ȚȖȒșȐȒȖȔȈȕȐȐ, Ȑ Ȑȝ ȖșȓȖȎȕȍȕȐȑ;

9 șȈȝȈȘȕȖȋȖ ȌȐȈȉȍȚȈ Ȑ ȍȋȖ ȖșȓȖȎȕȍȕȐȑ; 9 ȚțȉȍȘȒțȓȍȏȈ; 9 ȏȈȉȖȓȍȊȈȕȐȑ, șȖȗȘȖȊȖȎȌȈȦȡȐȝșȧ ȝȘȖȕȐȟȍșȒȖȑ ȗȖȟȍȟȕȖȑ Ȑ ȗȍȟȍȕȖȟȕȖȑ ȕȍȌȖșȚȈȚȖȟȕȖșȚȤȦ, ȚȘȍȉțȦȡȍȑ ȗȘȖȊȍȌȍȕȐȧ ȥȒșȚȘȈȒȖȘȗȖȘȈȓȤȕȣȝ ȔȍȚȖȌȖȊ ȓȍȟȍȕȐȧ;

9 ȖșȚȘȣȝ Ȑ ȝȘȖȕȐȟȍșȒȐȝ ȋȍȗȈȚȐȚȖȊ; 9 ȓțȟȍȊȖȑ ȉȖȓȍȏȕȐ; 9 ȌȐșȗȈȕșȍȘȕȖȋȖ ȖȉșȓȍȌȖȊȈȕȐȧ; 9 ȗȘȖȜȍșșȐȖȕȈȓȤȕȣȝ ȏȈȉȖȓȍȊȈȕȐȑ;

3. ȖȒȈȏȈȕȐȍ șȓȍȌțȦȡȐȝ ȔȍȌȐȞȐȕșȒȐȝ țșȓțȋ: 9 țșȓțȋȐ ȗȖ ȗȓȈȕȐȘȖȊȈȕȐȦ șȍȔȤȐ, ȌȐȈȋȕȖșȚȐȒȈ Ȑ ȓȍȟȍȕȐȍ ȉȍșȗȓȖȌȐȧ (ȔțȎșȒȖȋȖ Ȑ ȎȍȕșȒȖȋȖ), șȍȒșțȈȓȤȕȣȍ ȘȈșșȚȘȖȑșȚȊȈ, ȐȔȗȖȚȍȕȞȐȧ;

9 ȋȍȕȍȚȐȟȍșȒȐȍ ȐșșȓȍȌȖȊȈȕȐȧ; 9 ȌȐȈȋȕȖșȚȐȒȈ Ȑ ȓȍȟȍȕȐȍ ǯǷǷǷ: ȝȓȈȔȐȌȐȖȏ, țȘȍȈȗȓȈȏȔȖȏ, ȔȐȒȖȗȓȈȏȔȖȏ, ȚȘȐȝȖȔȖȕȐȈȏ, țȘȖȋȍȕȐȚȈȓȤȕȣȑ ȋȍȘȗȍș, ȞȐȚȖȔȍȋȈȓȖȊȐȘțș, ȋȈȘȌȕȍȘȍȓȓȍȏ, ȈȕȖȋȍȕȐȚȈȓȤȕȣȍ ȉȖȘȖȌȈȊȒȐ, ȌȖȖȉșȓȍȌȖȊȈȕȐȍ ȕȈ ȉȐȖȊȈȘȣ ȗȘȐ ȊȣȧȊȓȍȕȐȐ țȘȍȈȗȓȈȏȔȖȏȈ;

9 ȗȘȖȚȍȏȐȘȖȊȈȕȐȍ Ȋșȍȝ ȊȐȌȖȊ, Ȋ ȚȖȔ ȟȐșȓȍ ȚȘȈȕșȗȓȈȕȚȈȞȐȧ, ȏțȉȖȗȘȖȚȍȏȐȘȖȊȈȕȐȍ Ȑ ȗȖȌȋȖȚȖȊȒȈ Ȓ ȕȍȔț, ȊȒȓȦȟȈȧ țȌȈȓȍȕȐȍ Ȑ ȌȍȗțȓȤȗȐȘȖȊȈȕȐȍ ȏțȉȖȊ, ȏȈȔȍȕț șȚȈȘȣȝ ȗȓȖȔȉ ȉȍȏ ȔȍȌȐȞȐȕșȒȐȝ ȗȖȒȈȏȈȕȐȑ, ȓȍȟȍȕȐȍ ȗȈȘȖȌȖȕȚȖȏȈ, ȊȘȍȔȍȕȕȖȍ ȠȐȕȐȘȖȊȈȕȐȍ Ȑ ȗȘ.; ȊȖșșȚȈȕȖȊȓȍȕȐȍ ȘȈȏȘțȠȍȕȕȖȑ ȉȖȓȍȍ ȟȍȔ ȕȈ 50% ȒȖȘȖȕȒȐ ȏțȉȈ, ȐȔȗȓȈȕȚȈȞȐȧ ȏțȉȖȊ;

9 țșȓțȋȐ, ȖȒȈȏȣȊȈȍȔȣȍ Ȋ ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȝ Ȑ ȒȖșȔȍȚȐȟȍșȒȐȝ Ȟȍȓȧȝ: ȋȍȘȔȍȚȐȏȈȞȐȧ ȜȐșșțȘ, șȕȧȚȐȍ ȏțȉȕȣȝ ȖȚȓȖȎȍȕȐȑ, ȗȖȒȘȣȚȐȍ ȏțȉȖȊ ȜȚȖȘșȖȌȍȘȎȈȡȐȔȐ ȗȘȍȗȈȘȈȚȈȔȐ Ȑ ȓȈȒȈȔȐ Ȑ ȗȘ., ȒȖșȔȍȚȐȟȍșȒȖȍ ȊȖșșȚȈȕȖȊȓȍȕȐȍ ȏțȉȖȊ, Ȋ ȚȖȔ ȟȐșȓȍ ș ȗȘȐȔȍȕȍȕȐȍȔ ȊȐȕȐȘȖȊ Ȑ ȓȈȔȐȕȈȚȖȊ, ȖȚȉȍȓȐȊȈȕȐȍ ȏțȉȖȊ Ȑ ȗȘ.;

9 ȓȍȟȍȉȕȣȍ ȔȈȕȐȗțȓȧȞȐȐ ȕȈ ȏțȉȈȝ, ȗȖȒȘȣȚȣȝ ȖȘȚȖȗȍȌȐȟȍșȒȐȔȐ Ȑ ȖȘȚȖȌȖȕȚȐȟȍșȒȐȔȐ ȒȖȕșȚȘțȒȞȐȧȔȐ, țșȚȘȈȕȍȕȐȍ ȖȘȚȖȌȖȕȚȐȟȍșȒȐȝ ȕȈȘțȠȍȕȐȑ ț ȌȍȚȍȑ Ȑ ȊȏȘȖșȓȣȝ;

9 ȥȒșȚȘȈȒȖȘȗȖȘȈȓȤȕȣȍ ȔȍȚȖȌȣ ȓȍȟȍȕȐȧ, Ȋ

their complications; 9 sexually transmitted diseases, HIV

infection, AIDS and their complications; 9 epilepsy (primary and symptomatic),

mental disorders and behavioral disorders, including alcoholism, drug addiction, substance abuse, and their complications;

9 diabetes and its complications; 9 tuberculosis; 9 diseases with chronic renal and hepatic

failure, requiring extracorporal methods of treatment;

9 acute and chronic hepatitis; 9 radiation sickness; 9 dispensary examination; 9 occupational diseases;

3. provision of the following medical services: 9 family planning services, infertility

diagnosis and treatment (male and female), sexual disorders, impotence;

9 genetic studies; 9 diagnosis and treatment of STDs:

chlamydia, ureaplasmosis, mycoplasmosis, trichomoniasis, urogenital herpes, cytomegalovirus, gardnerellosis, anogenital warts, further biovar examination after the detection of ureaplasmosis;

9 prosthetics of all types, including transplants, prosthetic dentistry and its preparatory process, including the removal of teeth and their pulps, replacement of old fillings without medical indications, the treatment of periodontitis, temporary splinting and so forth; restoration of a 50 per cent damaged tooth crowns damaged, dental implants;

9 services provided with preventive and cosmetic purposes: sealing of fissures, the removal of dental plaque, teeth coating with fluoride varnishes, etc., cosmetic teeth restoration, including the use of veneers and laminates, teeth whitening, etc.;

9 medical manipulations on the teeth, adjusted with orthopedic and orthodontic appliances, the removal of orthodontic disorders from children and adults;

9 extracorporeal methods of treatment, including hemodialysis program, colon hydrotherapy, laser and intravenous ozone therapy, hyperbaric and normobaric oxygenation, hypoxia, plasmopheresis;

9 diagnosis, treatment, handling, operations, etc. to eliminate cosmetic defects, including the ones improving the psychological condition of the insured, on the skin and



ȚȖȔ ȟȐșȓȍ ȗȘȖȋȘȈȔȔȕȣȑ ȋȍȔȖȌȐȈȓȐȏ; ȋȐȌȘȖȒȖȓȖȕȖȚȍȘȈȗȐȧ; ȊȕțȚȘȐȊȍȕȕȈȧ ȓȈȏȍȘȖ- Ȑ ȖȏȖȕȖȚȍȘȈȗȐȧ; ȋȐȗȍȘȉȈȘȐȟȍșȒȈȧ Ȑ ȕȖȘȔȖȉȈȘȐȟȍșȒȈȧ ȖȒșȐȋȍȕȈȞȐȧ, ȋȐȗȖȒșȐȚȍȘȈȗȐȧ, ȗȓȈȏȔȖȜȍȘȍȏ;

9 ȌȐȈȋȕȖșȚȐȒȈ, ȓȍȟȍȕȐȍ, ȔȈȕȐȗțȓȧȞȐȐ, ȖȗȍȘȈȞȐȐ Ȑ ȗȘ. ȗȖ țșȚȘȈȕȍȕȐȦ ȒȖșȔȍȚȐȟȍșȒȐȝ ȌȍȜȍȒȚȖȊ, Ȋ ȚȖȔ ȟȐșȓȍ Ȋ Ȟȍȓȧȝ țȓțȟȠȍȕȐȧ ȗșȐȝȖȓȖȋȐȟȍșȒȖȋȖ șȖșȚȖȧȕȐȧ ȏȈșȚȘȈȝȖȊȈȕȕȖȋȖ; ȗȖ ȗȖȊȖȌț ȏȈȉȖȓȍȊȈȕȐȑ ȒȖȎȐ Ȑ ȊȖȓȖș, Ȉ ȚȈȒȎȍ șȒȓȍȘȖȚȍȘȈȗȐȧ Ȋȍȕ; ȒȖȘȘȍȒȞȐȧ ȊȍșȈ;

9 ȝȐȘțȘȋȐȟȍșȒȈȧ ȒȖȘȘȍȒȞȐȧ ȏȘȍȕȐȧ, Ȋ ȚȖȔ ȟȐșȓȍ ș ȗȘȐȔȍȕȍȕȐȍȔ ȓȈȏȍȘȈ, ȖȗȘȍȌȍȓȍȕȐȍ ȗȖȓȍȑ ȏȘȍȕȐȧ;

9 ȔȍȚȖȌȣ ȕȈȘȖȌȕȖȑ ȔȍȌȐȞȐȕȣ, ȐșȗȖȓȤȏțȍȔȣȍ ș ȞȍȓȤȦ ȌȐȈȋȕȖșȚȐȒȐ, ȓȍȟȍȕȐȧ Ȑ ȖȏȌȖȘȖȊȓȍȕȐȧ, țǻșȓțȋȐ, ȖȒȈȏȣȊȈȍȔȣȍ Ȋ ȖȏȌȖȘȖȊȐȚȍȓȤȕȣȝ Ȑ ȗȘȖȜȐȓȈȒȚȐȟȍșȒȐȝ Ȟȍȓȧȝ;

9 țșȓțȋȐ ȗșȐȝȐȈȚȘȈ; 9 țșȓțȋȐ ȋȍȕȍȚȐȒȈ; 9 ȊȈȒȞȐȕȈȞȐȧ (ȒȘȖȔȍ ȥȒșȚȘȍȕȕȖȑ ȗȘȖȜȐȓȈȒȚȐȒȐ șȚȖȓȉȕȧȒȈ);

9 ȔȍȌȐȞȐȕșȒȖȍ ȖșȊȐȌȍȚȍȓȤșȚȊȖȊȈȕȐȍ Ȑ ȖȜȖȘȔȓȍȕȐȍ șȗȘȈȊȖȒ: Ȍȓȧ ȕȖȠȍȕȐȧ ȖȘțȎȐȧ, ȈȊȚȖȊȖȎȌȍȕȐȧ, Ȍȓȧ ȏȈȋȘȈȕȒȖȔȈȕȌȐȘȖȊȒȐ, ȗȖșȚțȗȓȍȕȐȧ Ȋ țȟȍȉȕȣȍ ȏȈȊȍȌȍȕȐȧ Ȑ ȖȜȖȘȔȓȍȕȐȧ ȕȈ ȘȈȉȖȚț ȗȖ ȜȖȘȔȍ 086-ț;

9 ȕȍ ȖȗȓȈȟȐȊȈȍȚșȧ șȚȘȈȝȖȊȡȐȒȖȔ șȚȖȐȔȖșȚȤ ȚȘȈȕșȗȓȈȕȚȈȕȚȖȊ, ȗȘȖȚȍȏȖȊ, ȥȕȌȖȗȘȖȚȍȏȖȊ, ȐȔȗȓȈȕȚȈȕȚȖȊ Ȑ ȘȧȌȈ ȌȘțȋȐȝ ȈȕȈȓȖȋȐȟȕȣȝ ȔȍȌȐȞȐȕșȒȐȝ ȐȏȌȍȓȐȑ, Ȉ ȚȈȒȎȍ ȘȈșȝȖȌȣ ȕȈ ȗȘȐȖȉȘȍȚȍȕȐȍ ȔȍȌȐȞȐȕșȒȖȋȖ ȖȉȖȘțȌȖȊȈȕȐȧ, ȖȟȒȖȊȖȑ ȖȗȚȐȒȐ, șȓțȝȖȊȣȝ ȈȗȗȈȘȈȚȖȊ Ȑ ȔȍȌȐȞȐȕșȒȐȝ ȐȏȌȍȓȐȑ, ȗȘȍȌȕȈȏȕȈȟȍȕȕȣȝ Ȍȓȧ țȝȖȌȈ ȏȈ ȉȖȓȤȕȣȔȐ ȗȘȐ ȓȦȉȣȝ ȏȈȉȖȓȍȊȈȕȐȧȝ;

9 ȈȓȓȍȘȋȖȌȐȈȋȕȖșȚȐȒȈ; ȐȔȔțȕȖȓȖȋȐȟȍșȒȐȍ Ȑ ȋȖȘȔȖȕȈȓȤȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ; ǷǾǸ ȌȐȈȋȕȖșȚȐȒȈ; ȓȈȉȖȘȈȚȖȘȕȈȧ ȌȐȈȋȕȖșȚȐȒȈ ȊȐȘțșȕȖȋȖ ȋȍȗȈȚȐȚȈ; ȌȖȗȖȓȕȐȚȍȓȤȕȣȍ ȓȈȉȖȘȈȚȖȘȕȣȍ ȐșșȓȍȌȖȊȈȕȐȧ, ȗȘȖȊȖȌȐȔȣȍ țȟȘȍȎȌȍȕȐȍȔ, ȕȍ ȊȝȖȌȧȡȐȍ Ȋ șȚȘțȒȚțȘț ǼȍȌȍȘȈȓȤȕȖȋȖ ǫȖșțȌȈȘșȚȊȍȕȕȖȋȖ ǻȗȘȈȊȓȍȕȐȧ.

hair, as well as vein sclerotherapy; weight correction;

9 surgical vision correction, including one using laser, the confrontation;

9 standard practice medicine, used for diagnosis, treatment and rehabilitation, services provided for health and preventive purposes;

9 psychiatrist services; 9 geneticist services; 9 vaccinations (except for emergency

prevention of Tetanus); 9 medical evaluation and issuing licenses for:

weapons-bearing, driving, for trips abroad, admission to educational institutions and work based on form No 086-U;

9 the insurer does not pay the cost of transplants, prostheses, endoprostheses, implants and many other similar medical devices, as well as the cost of purchasing medical equipment, optics, hearing aids and medical devices designed to care for any disease;

9 allergy diagnosis, immunological and hormonal studies, PCR diagnosis, laboratory diagnosis of viral hepatitis; additional laboratory studies conducted by the institutions, not belonging to the structure of the Federal Public Administration.



ɉɊɂɅɈɀȿɇɂȿ 1. Ɉɛɳɢɣ ɩɟɪɟɱɟɧɶ ɤɨɦɩɚɧɢɣ, ɪɚɛɨɬɚɸɳɢɯ ɧɚ ɪɵɧɤɟ ȾɆɋ ɢ ɢɯ ɫɛɨɪɵ ɜ 1 ɤɜɚɪɬɚɥɟ 2010 ɝ.

Appendix 1. The total list of companies operating in the VHI market and their charges in the 1st quarter of 2010

ǹȚȘȈȝȖȊȈȧ ȒȖȔȗȈȕȐȧ (Insurance company)

ǫȖȘȖȌ (City)

ǹȉȖȘȣ ȗȖ ǬǴǹ *

(VHI charges *)

ǹǶǫǨǯ ǴȖșȒȊȈ 11 310 432

ǸǶǹǵǶ ǴȖșȒȊȈ 3 256 200

ǨǳȄǼǨǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 1 964 002

ǰǵǫǶǹǹǺǸǨǽ ǴȖșȒȊȈ 1 840 364

ǸǭǹǶ-ǫǨǸǨǵǺǰȇ ǴȖșȒȊȈ 1 668 151

ǮǨǹǶ ǴȖșȒȊȈ 1 492 442

ǺǸǨǵǹǵǭǼǺȄ ǴȖșȒȊȈ 1 422 414

ǹǻǸǫǻǺǵǭǼǺǭǫǨǯ ǹțȘȋțȚ 1 213 622

ǲǨǷǰǺǨǳ ǹǺǸǨǽǶǪǨǵǰǭ ǲȖȋȈȓȣȔ 1 119 308

ǴǨǲǹ ǴȖșȒȊȈ 1 005 911

ǪǶǭǵǵǶ-ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǴȖșȒȊȈ 875 865

ǸǶǹǫǶǹǹǺǸǨǽ ǴȖșȒȊȈ 867 458 ǫǸǻǷǷǨ ǸǭǵǭǹǹǨǵǹ ǹǺǸǨǽǶǪǨǵǰǭ

ǴȖșȒȊȈ 749 389

ǰǵǵǶǫǨǸǨǵǺ ǴȖșȒȊȈ 539 584

ǻǸǨǳǹǰǩ ǴȖșȒȊȈ 505 392

ǿǻǳǷǨǵ ǨȓȤȔȍȚȤȍȊșȒ 402 134

ǴǭǬȅǲǹǷǸǭǹǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

385 462

ǹǶǫǳǨǹǰǭ ǴȖșȒȊȈ 371 481

ȅǵǭǸǫǶǫǨǸǨǵǺ ǴȖșȒȊȈ 342 957

ǷǸǶǫǸǭǹǹ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 338 521

ȆǫǶǸǰȇ ǽȈȕȚȣ-ǴȈȕșȐȑșȒ

293 957

ǸǶǹǹǰȇ ǴȖșȒȊȈ 248 141

ǶǸǨǵǺǨ ǴȖșȒȊȈ 231 627

ǬǨǸ-ǴǶǹǲǪǨ ǴȖșȒȊȈ 223 803

ǪǺǩ ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 178 083

ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ Ǵǹǲ ǴȖșȒȊȈ 150 607

ǸǭǫǰǶǵ ǹǶȆǯ ǴȖșȒȊȈ 149 009

ǹǲ ǨǳǸǶǹǨ ǴȖșȒȊȈ 141 749

ǹǷǨǹǭǵǰǭ ǲȈȏȈȕȤ 140 212

ǮǨǹǶ ǳǰǺǭǸ-ǷǶǳǰǹ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 140 090

ǴǻǳȄǺǰǷǶǳǰǹ ǴȖșȒȊȈ 137 435




ǫȖȘȖȌ (City)


(VHI charges *) ǨǳǰǲǶ ǴȖșȒȊȈ 130 939

ǹǷǨǹǹǲǰǭ ǪǶǸǶǺǨ ǴȖșȒȊȈ 125 312

ǶǺǭǿǭǹǺǪǶ ǴȖșȒȊȈ 121 926

ǨǪǸǶǸǨ-ǫǨǸǨǵǺ ǪȐȌȕȖȍ 121 483

ǲǨǷǰǺǨǳ-ǷǶǳǰǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

118 244

ǫǻǺǨ-ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 117 682

ǹǰǩǰǸǹǲǰǱ ǹǷǨǹ ǵȖȊȖȒțȏȕȍȞȒ 116 611

ǰǵǪǭǹǺǰǾǰǰ ǰ ǼǰǵǨǵǹȃ ǴȖșȒȊȈ 116 179

ȇǲǶǸȄ ǴȖșȒȊȈ 111 922

ǷǭǸǪǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǴȖșȒȊȈ 100 024

ǸǶǹǺǸǨ ǴȖșȒȊȈ 97 909 ǵǨǾǰǶǵǨǳȄǵǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ

ǬȖȓȋȖȗȘțȌȕȣȑ 94 870

ǴǭǮǸǭǫǰǶǵǫǨǸǨǵǺ ǹȈȓȍȝȈȘȌ 86 590 ǵǭǯǨǪǰǹǰǴǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ

ǴȖșȒȊȈ 78 585

ǹǶǫǳǨǹǰǭ-ǪǰǺǨ ǴȖșȒȊȈ 78 300

ǨǹǲǶ ǵȈȉȍȘȍȎȕȣȍ ǿȍȓȕȣ

76 789

ǺǸǨǵǹǨǺǳǨǵǺǰǲ ǫǸǻǷ ǴȖșȒȊȈ 75 086

ǹǰǩǰǸȄ ǲȍȔȍȘȖȊȖ 73 452

ȅǸǫǶ ǸǻǹȄ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

72 125

ȀǨǵǹ ǳȐȗȍȞȒ 71 938

ǹǶǾǰǻǴ ǴȖșȒȊȈ 67 274 ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǲǶǴǭǹǺǸǨ

ǲȍȔȍȘȖȊȖ 66 279

ǸǻǹǹǲǰǱ ǹǺǸǨǽǶǪǶǱ ǾǭǵǺǸ ǴȖșȒȊȈ 58 639

ǫǹǴǲ ǲȍȔȍȘȖȊȖ 58 136

ǾȆǸǰǽ ǴȖșȒȊȈ 55 289

ǨǳǳǭǫǨ ǴȖșȒȊȈ 52 724

ǨǹǲǶǴǭǬ ǹȈȔȈȘȈ 52 087

ǫǻǩǭǸǵǹǲǨȇ ǵȖȊȖșȐȉȐȘșȒ 49 935

ǴǭǬǾǭǵǺǸǹǺǸǨǽ ǴȖșȒȊȈ 47 564

ǻǫǴǲ-ǴǭǬǰǾǰǵǨ ǭȒȈȚȍȘȐȕȉțȘȋ 46 933

ǷǨǸǰǺǭǺ-ǹǲ ǴȖșȒȊȈ 46 743

ǴǶǹǲǶǪǹǲǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ

ǴȖșȒȊȈ 46 279

ǬǨǳȄǮǨǹǶ ǽȈȉȈȘȖȊșȒ 46 229




ǫȖȘȖȌ (City)


(VHI charges *)

ǹǴǲ Ǩǹǲ-ǴǭǬ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

45 267

ǹǭǴǭǱǵǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ

ǴȖșȒȊȈ 44 846

ǪǵǭȀȅǲǶǵǶǴǹǺǸǨǽ ǴȖșȒȊȈ 44 564

ǳǶǱǬ-ǹǰǺǰ ǴȖșȒȊȈ 42 909

ǹǶǳǰǬǨǸǵǶǹǺȄ Ǭǳȇ Ǯǰǯǵǰ ǴȖșȒȊȈ 41 572

ǨǹǺǸǨ-ǴǭǺǨǳǳ ǴȈȋȕȐȚȖȋȖȘșȒ 37 893

ǰǵǼǰǹǺǸǨǽ ǴȖșȒȊȈ 37 186

ǸǶǹǵǶ-Ǵǹ ǴȖșȒȊȈ 35 033

ǭǪǸǶǷǭǱǹǲǶǭ ǺǻǸǰǹǺǰǿǭǹǲǶǭ ǹǺǸǨǽǶǪǨǵǰǭ

ǴȖșȒȊȈ 33 816

ǩǩ-ǯǬǶǸǶǪȄǭ ǭȒȈȚȍȘȐȕȉțȘȋ 32 879

ǩǨǹǲ ǴȖșȒȊȈ 30 928

ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǻǹǷǭǽ ǴȖșȒȊȈ 30 641

ǲǰǺ ǼǰǵǨǵǹ ǹǺǸǨǽǶǪǨǵǰǭ (ǶǨǶ)

ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

30 356

Ǵǹǲ ǹǺǸǨǮ ǸȧȏȈȕȤ 30 309

Ǹǻǹǹǲǰǭ ǹǺǸǨǽǶǪȃǭ ǺǸǨǬǰǾǰǰ ǴȖșȒȊȈ 28 712

ǩǰǪǰǺǨ ǩȍȓȖȊȖ 27 605

Ǵǹǲ-ǹǺǨǵǬǨǸǺ ǴȖșȒȊȈ 27 087

ǨǷǶǫǭǱ ǴǭǬ ǴȖșȒȊȈ 26 847

ǵǰǲ ǻȓȤȧȕȖȊșȒ 26 777

ǷǶǳǰǹ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 26 355

ǨǹǺǶǸ ǶȔșȒ 26 058

ǬǨǳȄ-ǸǶǹǴǭǬ ǽȈȉȈȘȖȊșȒ 25 385

ǹǷǨǹǹǲǰǭ ǪǶǸǶǺǨ-Ǵ ǴȖșȒȊȈ 25 043 ǴǭǮǬǻǵǨǸǶǬǵǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ

ǴȖșȒȊȈ 24 811

ǼȄǶǸǬ ǴȖșȒȊȈ 24 276

ǴǭǫǨǸǻǹǹ-Ǭ ǴȖșȒȊȈ 23 829 ǸǶǹǹǰǱǹǲǨȇ ǵǨǾǰǶǵǨǳȄǵǨȇ ǹǲ

ǴȖșȒȊȈ 23 811

ǷǨǵǨǾǭȇ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 23 417

ǫǨǱǬǭ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

23 235

ǪǰǺǨǳ-ǷǶǳǰǹ ǴȖșȒȊȈ 22 162

ǫǨǸǴǭǬ ǴȖșȒȊȈ 22 018

ǨǹǹǺǸǨ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 21 627




ǫȖȘȖȌ (City)


(VHI charges *) ǶǹǵǶǪǨ ǴȖșȒȊȈ 21 548

ǷǨǸǰ ǴȖșȒȊȈ 21 275

ǸǹǺǲ ǽȐȔȒȐ 21 106

ǵǹǫ-ǸǶǹȅǵǭǸǫǶ ǫȖȘȕȖ-ǨȓȚȈȑșȒ 20 681

ǵǨǬǭǮǬǨ ǲȘȈșȕȖȧȘșȒ 20 181

ǹǷǳǨǪ-Ǵǰǹ ǭȒȈȚȍȘȐȕȉțȘȋ 19 754

ǨǸǰǨǬǵǨ ǴȖșȒȊȈ 19 638

ǼǭǬǭǸǨǳȄǵǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ

ǴȖșȒȊȈ 19 493

ǹǺǸǨǺǭǫǰȇ ǲȘȈșȕȖȋȖȘșȒ 19 476

ǹǰǩǰǸǹǲǰǱ ǹǺǸǨǽǶǪǶǱ ǾǭǵǺǸ ǵȖȊȖșȐȉȐȘșȒ 18 994

ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǸǶǹǺ ǲȍȔȍȘȖȊȖ 18 630

ǪǶǹǺǹǰǩǮǨǹǶ ǰȘȒțȚșȒ 18 154

ǹǨǽǨǴǭǬǹǺǸǨǽ ȇȒțȚșȒ 17 981

ǨǬǶǵǰǹ ǷȍȘȔȤ 17 762

ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǹǪȇǺǶǫǶ ǨǵǬ

ǴȖșȒȊȈ 17 542

ǰǵǺǭǸǴǭǬǰǨǷǶǳǰǹ ǴȖșȒȊȈ 16 999

ǹǺǸǨǽǶǪȃǭ ǰǵǪǭǹǺǰǾǰǰ ǻȜȈ 16 883

ǹǲ ǴǨǹǺǭǸ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 16 753

Ǫǹǲ-ǴǰǳǶǹǭǸǬǰǭ ǴȖșȒȊȈ 15 317

ǨǪǨǵǫǨǸǬ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 15 096

ǿǻǪǨȀǰȇ-ǴǭǬ ǿȍȉȖȒșȈȘȣ 14 731

ǹǪȇǺǶǫǶǸ ȁȍȓȒȖȊȖ 14 217 ǴǭǮǶǺǸǨǹǳǭǪǶǱ ǹǺǸǨǽǶǪǶǱ ǾǭǵǺǸ

ǴȖșȒȊȈ 12 828

ǺǰǺ ǴȖșȒȊȈ 12 686

ǹǰǴǨǯ-ǴǭǬ ǵȖȊȖșȐȉȐȘșȒ 12 534

ǲǨǷǰǺǨǳ.ǳǲ ǴȖșȒȊȈ 12 516

ǫǭǼǭǹǺ ǴȖșȒȊȈ 12 283

ǨǹǲǶ-ǪǨǯ ǺȖȓȤȧȚȚȐ 11 881

Ǩǲ ǩǨǸǹ-ǴǭǬ ǲȈȏȈȕȤ 11 617

ǸǭǫǰǶǵǫǨǸǨǵǺ ǴȖșȒȊȈ 11 478

ǷǶǬǴǶǹǲǶǪȄǭ ǷȖȌȖȓȤșȒ 11 116

ǲǸǻǰǯ-ǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

11 032

ǫǭǶǷǶǳǰǹ ǴȖșȒȊȈ 10 915




ǫȖȘȖȌ (City)


(VHI charges *) ǴǭǬǹǺǸǨǽ ǴȖșȒȊȈ 10 802

ǪǶǯǸǶǮǬǭǵǰǭ-ǲǸǭǬǰǺ ǲȘȈșȕȖȧȘșȒ 10 781

ǨǹǲǶ-ǾǭǵǺǸ ǲțȘșȒ 10 256

ǴǭǬǰǵǲǶǴ ǭȒȈȚȍȘȐȕȉțȘȋ 10 251

ǬǨǹǲ ǪȓȈȌȐȊȖșȚȖȒ 10 240

ǴǭǫǨǷǶǳǰǹ ǴȖșȒȊȈ 10 219

ǺǸǨǵǹǵǨǾǰǶǵǨǳȄǵǨȇ ǹǲ ǴȖșȒȊȈ 10 147

ǪǰǺǨ ǴǺ ǩȈȘȕȈțȓ 10 119

ǨǬǪǨǵǺ-ǹǺǸǨǽǶǪǨǵǰǭ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

9 857

ǨǪǭǹǺǨ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

9 698

ȆǮǻǸǨǳǮǨǹǶ ǿȍȓȧȉȐȕșȒ 9 668

ǨǹǲǶ ǹǲȅǳ ǷǳȆǹ ǵȖȊȖșȐȉȐȘșȒ 9 254

ǮǨǹǶ-Ǵ ǲȍȔȍȘȖȊȖ 9 230

ǳǭǲǹǫǨǸǨǵǺ ǴȖșȒȊȈ 8 806

ǶǺǿǰǯǵǨ ǲȍȔȍȘȖȊȖ 8 694

ǷǸǶǫǸǭǹǹ ǴȖșȒȊȈ 8 399

ǵǨǹǲǶ ǺǨǺǨǸǹǺǨǵ ǲȈȏȈȕȤ 8 201

ǨǫǸǰǫǨ ǴȖșȒȊȈ 8 095

ǫǶǸǶǬǹǲǨȇ ǹǺǸǨǽǶǪǨȇ ǴǭǬǰǾǰǵǹǲǨȇ ǲǶǴǷǨǵǰȇ

ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

8 000

ǭǸǴǨǲ ǫȖȘȕȖ-ǨȓȚȈȑșȒ 7 988

ǴǶǹǲǶǪǰȇ ǺȘȖȐȞȒ 7 888

ǸǶǹǴǭǬ ǴȖșȒȊȈ 7 451 ǵǨǾǰǶǵǨǳȄǵȃǱ ǹǺǸǨǽǶǪǶǱ ǬǶǴ

ǲȘȈșȕȖȋȖȘșȒ 7 353

ǬǭǸǮǨǪǨ ǴȖșȒȊȈ 7 269

ǸǭǫǰǶǵǨǳȄǵȃǱ ǨǳȄȇǵǹ ǴȖșȒȊȈ 7 111

ǶǸǩǰǺǨ ǴȖșȒȊȈ 6 547

ǫǻǩǭǸǵǹǲǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǲǻǯǩǨǹǹǨ

ǲȍȔȍȘȖȊȖ 6 518

ǹǰǩǰǸȄ-ǷǶǳǰǹ ǩȈȘȕȈțȓ 6 401

ǪǶǹǺǶǿǵǶ-ǹǺǸǨǽǶǪǶǱ ǨǳȄȇǵǹ ǪȓȈȌȐȊȖșȚȖȒ 6 304

ǰǵǼǶǸǴǹǺǸǨǽ ǴȖșȒȊȈ 6 228

Ǩǹǲ-ǷǭǺǭǸǩǻǸǫ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

6 186




ǫȖȘȖȌ (City)


(VHI charges *) ǩǳǶǲ-ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 6 043

ǨǼǭǹ ǴȖșȒȊȈ 5 999

ȆǫǶǸǰȇ-ǴǭǬ ǽȈȕȚȣ-ǴȈȕșȐȑșȒ

5 677

ȅǲǹǷǸǭǹǹ ǫǨǸǨǵǺ ǭȒȈȚȍȘȐȕȉțȘȋ 5 559

ǪǰǸǰǳǰǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

5 486

ǰǵǪǭǹǺǹǺǸǨǽ ǴȖșȒȊȈ 5 268

ǺǨǫǨǵǨǱ-ǨǹǲǶ ǹȈȚȒȈ 5 240

ǻǵǰǪǭǸǹǨǳǬǰǨǳǶǫ ǴȖșȒȊȈ 5 161

ǨǸǹǭǵǨǳȂ ǴȖșȒȊȈ 5 070

ǴǭǬ-ǫǨǸǨǵǺ ǩȈȓȈȠȐȝȈ 4 980

ǷǸǭǹǺǰǮ-ǷǶǳǰǹ ǴȖșȒȊȈ 4 949

ǺǸǰǨǬǨ ǪȖȓȖȒȖȓȈȔșȒ 4 949

ǬǶǸǴǭǬǹǭǸǪǰǹ ǭȒȈȚȍȘȐȕȉțȘȋ 4 941

ǹǺǸǨǽǶǪȃǭ ǺǭǽǵǶǳǶǫǰǰ ǽǽI ǪǭǲǨ

ǴȖșȒȊȈ 4 927

ǹǺǭǸǽ ȇȒțȚșȒ 4 862

ǫǭǳǰǶǹ ǴȖșȒȊȈ 4 858

ǺȆǴǭǵȄ-ǷǶǳǰǹ ǺȦȔȍȕȤ 4 840

ǨǬǴǰǸǨǳ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 4 778

ȅǪǭǸǭǹǺ ǰȘȒțȚșȒ 4 748

ǲǶǸǷǶǸǨǾǰȇ ǴǭǬǰǾǰǵǹǲǶǫǶ ǹǺǸǨǽ

ǲȘȈșȕȖȧȘșȒ 4 665

ȆǮǻǸǨǳ-ǨǹǲǶ ǿȍȓȧȉȐȕșȒ 4 650

ǸǭǹǷǭǲǺ-ǷǶǳǰǹ ǽȐȔȒȐ 4 581

ǸǹǨ ǰǵǺǭǸ-ǷǶǳǰǹ ǴȖșȒȊȈ 4 543

ȅǲǰǷ ǴȖșȒȊȈ 4 540

ǷǻǳȄǹ ǭȒȈȚȍȘȐȕȉțȘȋ 4 341

ǯǨȁǰǺǨ-ǷǨǳǳǨǬǨ ǪȓȈȌȐȊȖșȚȖȒ 4 318

ǲǶǪǿǭǫ ǴȖșȒȊȈ 4 199

ǴǭǹǲǶ ǴȖșȒȊȈ 4 198

ǹǨǵǨ ǺȦȔȍȕȤ 4 164

ǻǸǨǳ-Ǩǰǳ ǷȍȘȔȤ 4 128

ǸǶǹǳǭǹ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 4 049

ǫǨǳǨǲǺǰǲǨ ǴȖșȒȊȈ 4 023

ǰǵǺǭǸǷǶǳǰǹǺǸǨǹǺ ǴȖșȒȊȈ 4 015

ǸǭǫǰǶǵ ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 4 008




ǫȖȘȖȌ (City)


(VHI charges *)

ȆǮǵȃǱ ǫǶǸǶǬ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 4 004

ǴǭǮǩǨǵǲǶǪǹǲǨȇ ǸǭǫǰǶǵǨǳȄǵǨȇ ǹǲ

ǴȖșȒȊȈ 3 954

ǰǵǲǨǹǹǺǸǨǽ ǹȈȔȈȘȈ 3 905

ǷǶǬǬǭǸǮǲǨ ǿȍȉȖȒșȈȘȣ 3 856

ǿǻǪǨȀǹǲǨȇ Ǵǹǲ ǵȖȊȖȟȍȉȖȒșȈȘșȒ 3 800

ǪǭǹǺǨ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

3 798

ǨǱǵǰ ǲȈȓȐȕȐȕȋȘȈȌ Ȗȉȓ.

3 718

ǬǨǳȄǨǲǼǭǹ ǪȓȈȌȐȊȖșȚȖȒ 3 691

ǹǨǴǨǸǨ-ǴǭǬ ǹȈȔȈȘȈ 3 687 ǹǭǪǭǸǵǶǭ ǹǺǸǨǽǶǪǶǭ ǶǩȁǭǹǺǪǶ

ǴȖșȒȊȈ 3 621

ǹǴǷ-ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 3 605

ǫǨǸǨǵǺ-ǴǭǬ ǺțȓȈ 3 494

ȀǭǲǹǵǨ-Ǵ ǿȍȘȍȗȖȊȍȞ 3 400

ǩǸǰǺǨǵǹǲǰǱ ǹǺǸǨǽǶǪǶǱ ǬǶǴ ǴȖșȒȊȈ 3 369

ǲǶǴǭǹǺǸǨ-ǺǶǴȄ ǺȖȔșȒ 3 337

ǬǨǳȄǳǭǹǹǺǸǨǽ ǽȈȉȈȘȖȊșȒ 3 313

ǻǪǭǸǭǵ.Ǹǻ ǭȒȈȚȍȘȐȕȉțȘȋ 3 212

ǷǳǨǵǭǺǨ Ǽ ǴȖșȒȊȈ 3 183

ǬǰǨǵǨ ǨȕȋȈȘșȒ 3 165

ǨǲǺǰǪ ǴȖșȒȊȈ 3 145

ǹǺǸǨǽǶǪǨȇ ǩǰǯǵǭǹ ǫǸǻǷǷǨ ǪȖȘȖȕȍȎ 3 080

ǹǷǶǸǺǹǺǸǨǽǶǪǨǵǰǭ ǪȖșȒȘȍșȍȕșȒ 2 964

ȅǳǰǺǨ ǴȖșȒȊȈ 2 889

ǴǨǹǲǰ ǰȘȒțȚșȒ 2 832

ǨǹǺǸǶ-ǪǶǳǫǨ ǺȖȓȤȧȚȚȐ 2 774

ǨǲǶǴǹ ǽȖȓȔșȒ 2 651

ǨǹǶǷǶ-ǮǰǯǵȄ ǵȖȊȖșȐȉȐȘșȒ 2 649

ȅǲǶǼǶǵǬ ȇȘȖșȓȈȊȓȤ 2 617

ǨǸǺǭǲǹ ǪȖȓȖȋȌȈ 2 576

ǨǳȄǴǭǬǨ ǪȖȘȖȕȍȎ 2 514

ǪǰǺǨ ǿȐȚȈ 2 491

ǨǪǰǹǺǨ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 2 462

ǰǺǰǳȄ ǲȈȏȈȕȤ 2 452




ǫȖȘȖȌ (City)


(VHI charges *)

ǲǶǴǷǨǵǰȇ ǷǸǶǴȃȀǳǭǵǵǶ-ǺǶǸǫǶǪǶǫǶ

ǵȖȊȖȒțȏȕȍȞȒ 2 294

ǳǰǷǭǾǲ ǳȐȗȍȞȒ 2 246

ǺǰǸǻǹ ǪȍȘȝȕȧȧ ǹȈȓȌȈ 2 238

ǸǭǨǳ ǲȘȈșȕȖȋȖȘșȒ 2 179

ǸǭǹǶ-ǴǭǬ ǷȈȊȓȖȊșȒȐȑ ǷȖșȈȌ

2 176

ǰǹǲ ǭǪǸǶ-ǷǶǳǰǹ ǴȖșȒȊȈ 2 134

ǺǭǽǵǶǷǶǳǰǹ ǭȒȈȚȍȘȐȕȉțȘȋ 2 125

ǵǰǲǨ ǷǳȆǹ ǴȖșȒȊȈ 2 067

ǰǵǲǶ-ǴǭǬ ǪȖȘȖȕȍȎ 2 018

Ǵǹǲ ǪǰǸǴǭǬ ǺțȓȈ 2 004

ǹǻǸǫǻǺǵǭǼǺǭǫǨǯ-ǮǰǯǵȄ ǹțȘȋțȚ 2 000

ǩǭǳǶǲǨǴǭǵǵǨȇ ǴȖșȒȊȈ 1 923

ǻǸǨǳǹǰǩ ǲȓȐȔȖȊșȒ 1 903

ǨǴ-ǷǶǳǰǹ ǴȖșȒȊȈ 1 770

ǨǹǺȅǲ-ǴǭǬ ǵȈȌȣȔ 1 707

ǷǶǳǰǹ-ǹǭǸǪǰǹ ǴȖșȒȊȈ 1 675

ǬǨǳȄǸǭǯǭǸǪ ǽȈȉȈȘȖȊșȒ 1 651

ǨǪǰǲǶǹ ǴȖșȒȊȈ 1 595

ǬǨǳȄǹǨǶǸ ǪȓȈȌȐȊȖșȚȖȒ 1 583

ǹǺǸǶǱǹǺǸǨǽ ǴǪǲǹ ǴȖșȒȊȈ 1 577

ǮǨǹǶ ǹȈȘȈȚȖȊ 1 393

ȅǲǶ-ǹǼǰǵǲǹ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

1 318

ǿǻǳǷǨǵ-ǴǭǬ ǨȓȤȔȍȚȤȍȊșȒ 1 245

ȇǸǶǹǳǨǪǵǨ ǴȖșȒȊȈ 1 234

ǲǳǻǪǭǸ ǹȈȘȈȚȖȊ 1 064

ǸǶǹǰǵǪǭǹǺ ǴȖșȒȊȈ 1 024

ǯǨȁǰǺǨ-ǵǨǽǶǬǲǨ ǵȈȝȖȌȒȈ 971

ǩǹǲ ǸǭǯǶǵǨǵǹ ǻȜȈ 963

ǹǶǵǫǸǨ ǴȖșȒȊȈ 950

ǻǵǰǪǭǸǹ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 934

ǨǹǲǶ-ǷǸǶǼ ǷȘȖȒȖȗȤȍȊșȒ 913

ǰǵǭǸǺǭǲ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

900

ǻǸǨǳ-ǸǭǾǭǷǺ Ǵ ǭȒȈȚȍȘȐȕȉțȘȋ 888

ǹǲ ǰǺǺǨ ǴȖșȒȊȈ 877




ǫȖȘȖȌ (City)


(VHI charges *)

ǸǻǹǹǲǰǱ ǹǺǸǨǽǶǪǶǱ ǨǳȄȇǵǹ ǴȖșȒȊȈ 875

ǻǫǴǲ-ǹǺǸǨǽǶǪǨǵǰǭ ǭȒȈȚȍȘȐȕȉțȘȋ 826

ǰǲǨǸ ǴȖșȒȊȈ 752

ǲǶǳȃǴǹǲǨȇ ǽȈȉȈȘȖȊșȒ 743

ǲǶǴǼǶǸǺ ǫǨǸǨǵǺ ǲȈȓȐȕȐȕȋȘȈȌ Ȗȉȓ.

712

ǨǼǰǵǨ ǭȒȈȚȍȘȐȕȉțȘȋ 693

ǲǶǴǷǨǵȄǶǵ ǹȈȔȈȘȈ 665

ǪǭǹǺ-ǨǲǸǨǹ ǪȖȓȎșȒȐȑ 661 ǮǭǳǭǯǵǶǬǶǸǶǮǵȃǱ ǹǺǸǨǽǶǪǶǱ ǼǶǵǬ

ǵȐȎȕȐȑ ǵȖȊȋȖȘȖȌ

630

ǹǺǶǳǭǺ ǶȘȍȝȖȊȖ-ǯțȍȊȖ 625

ǪǭǸǺǰǲǨǳȄ ǴȖșȒȊȈ 612

ǨǺǶǴǴǭǬ ǴȖșȒȊȈ 585

ǹǶǿǰ-ǫǨǸǨǵǺ ǹȖȟȐ 585

ǬǨǳȄǹǺǨǸ ǪȓȈȌȐȊȖșȚȖȒ 548

ǷǸǶǴǰǵǹǺǸǨǽ ǴȖșȒȊȈ 533

ȆǵǰǺǰ Ǹǭ ǴȖșȒȊȈ 521

ǲǨǹǲǶ-ǳ ǳȐȗȍȞȒ 512

ǲǨǷǰǺǨǳ-ǸǭǯǭǸǪ ǴȖșȒȊȈ 477

ǹǭǪǭǸ ǷǶǳǰǹ ǺȦȔȍȕȤ 475

ǨǬǴǰǸǨǳ ǸȖșȚȖȊ-ȕȈ-ǬȖȕț 433

ȅǵǭǸǫǰȇ ǰȘȒțȚșȒ 433

ǫǨǵǯǨǴǭǬ ǪȍȓȐȒȐȑ ǵȖȊȋȖȘȖȌ

426

ǷǸǰǶǸǰǺǭǺǵǶǭ ǹǺǸǨǽǶǪǨǵǰǭ ǴȖșȒȊȈ 410

Ǵǹǲ ǲǶǵǹǺǨǵǺǨ ǷǳȆǹ ǴȖșȒȊȈ 400

ǺǭǳǭǲǶǴ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 400

ǪǰǸǴǭǬ-ǸǭǯǭǸǪ ǺțȓȈ 394

ǨǪǭǹǺǨ-ǴǭǬ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

365

ǺǸǨǵǹǲǶ ǭȒȈȚȍȘȐȕȉțȘȋ 363

ǻǸǨǳȄǹǲǨȇ ǶǲǸǻǮǵǨȇ ǹǲ ǭȒȈȚȍȘȐȕȉțȘȋ 347

ǴǭǬǰǲǨ-ǺǶǴǹǲ ǺȖȔșȒ 338

ȅǵǭǸǫǭǺǰǿǭǹǲǨȇ ǹǲ ǴȖșȒȊȈ 336

ǩǰǸȆǯǨ ǴȖșȒȊȈ 328 ǹǺǸǶǰǺǭǳȄǵǨȇ ǹǺǸǨǽǶǪǨȇ ǫǸǻǷǷǨ

ǴȖșȒȊȈ 326




ǫȖȘȖȌ (City)


(VHI charges *)

ǴǭǬǰǲǨ-ǪǶǹǺǶǲ ǲȘȈșȕȖȧȘșȒ 302

ǰǵǵǶǸǻǹǫǶǸǹǺǸǨǽ ǴȖșȒȊȈ 300

ǻǸǨǳ-Ǩǰǳ-ǴǭǬ ǷȍȘȔȤ 300

Ǹǲ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 269

ǫǸǨǵǺǨ ǲȈȏȈȕȤ 256

ǹǲ ǪǶǭǵǵǶǱ ǴǭǬǰǾǰǵȃ ǴȖșȒȊȈ 228

ǷǶǪǶǳǮǹǲǰǱ ǹǺǸǨǽǶǪǶǱ ǨǳȄȇǵǹ

ǹȣȏȘȈȕȤ 227

ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǨǴǻǸ ǩȓȈȋȖȊȍȡȍȕșȒ 214

ǲǻǯǵǭǾǲǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ

ǵȖȊȖȒțȏȕȍȞȒ 184

ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǭǲǨǺǭǸǰǵǩǻǸǫ

ǭȒȈȚȍȘȐȕȉțȘȋ 177

ǨǵǫǨǸǨ ǩȘȈȚșȒ 165

ǨǹǺǸǨǴǭǬ-Ǵǹ ǭȒȈȚȍȘȐȕȉțȘȋ 158

ǴǭǮǸǭǫǰǶǵǨǳȄǵǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷ

ǴȖșȒȊȈ 157

ǷǳǨǺǶ ǴȖșȒȊȈ 148

ǳǻǮǵǰǲǰ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 120

ǹǭǸǪǰǹǸǭǯǭǸǪ ǲȖȊȘȖȊ 116

ǷǶǳǰǹ ǶȘȍȓ 106

ǸǭǫǰǶǵ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

100

ǨǹǺȅǲ ǵȈȌȣȔ 96

ǯǬǶǸǶǪǨȇ ǹǭǴȄȇ-ǫǨǸǨǵǺ ǴȖșȒȊȈ 95

ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ ǺȅǹǺ-ǮǨǹǶ

ȇȘȖșȓȈȊȓȤ 94

ǶǩȂǭǬǰǵǭǵǵǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ

ǹȈȔȈȘȈ 93

ǹǭǪǭǸǵǨȇ ǲǨǯǵǨ ǭȒȈȚȍȘȐȕȉțȘȋ 93

ǪǶǹǽǶǮǬǭǵǰǭ ǴȖșȒȊȈ 88

ǯǨǩǨǱǲǨǳǴǭǬǹǺǸǨǽ ǿȐȚȈ 88

ǷǶǴǶȁȄ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

83

ǰǵǺǭǸǴǭǬǹǭǸǪǰǹ-ǹǰǩǰǸȄ ǩȈȘȕȈțȓ 76

ǨǳȄǼǨ-ǫǨǸǨǵǺ ǪȓȈȌȐȊȖșȚȖȒ 59




ǫȖȘȖȌ (City)


(VHI charges *)

ǿǸǭǯǪȃǿǨǱǵǨȇ ǹǺǸǨǽǶǪǨȇ ǲǶǴǷǨǵǰȇ

ǴȖșȒȊȈ 51

ȅǲǶ-ǷǶǳǰǹ ǴȖșȒȊȈ 40

ǷǭǸǪǶǭ ǸǹǶ ǴȖșȒȊȈ 38

ǮǰǪǨ ǴȖșȒȊȈ 29 ǽǨǩǨǸǶǪǹǲǨȇ ǲǸǨǭǪǨȇ ǹǺǸǨǽǶǪǨȇ

ǽȈȉȈȘȖȊșȒ 29

ǷǸǰǶǸǰǺǭǺ-ǺǸǨǹǺ ǴȖșȒȊȈ 20

ǷǸǶǺǭǲǺǻǴ ǴǶǩǰǳǭ ǹȈȕȒȚ-ǷȍȚȍȘȉțȘȋ

14

ǸǻǹǹǲǶǭ ǹǺǸǨǽǶǪǶǭ ǺǶǪǨǸǰȁǭǹǺǪǶ

ǴȖșȒȊȈ 12

ǴǭǮǸǭǫǰǶǵǨǳȄǵǨȇ ǹǲ ǨǹǲǶ ȇȘȖșȓȈȊȓȤ 9

Ǵǹǲ-ǴǭǬǰǾǰǵǨ ǲȘȈșȕȖȌȈȘ 7

ȅǵǭǸǫǶǸǭǹǻǸǹ ǴȖșȒȊȈ 7

ǺǨǳǰǹǴǨǵ ǲȈȏȈȕȤ 6

Obzor rynka dobrovol_nogo_medicinskogo_strahovaniya

Economy & Finance

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