- Motor insurance
- Employee insurance
- Liability insurance
If an employee gets ill, it may affect not only the employee, his or her family but also the interests of an employer. By purchasing the health insurance for the employee the employer ensures receiving of good quality treatment services, possibility to get well and return to work faster.
We are the fastest growing health insurance company - over the past 3 years, the number of companies that choose Seesam insurance has been growing by 30% per year.
That is because we provide:
When purchasing health insurance, the employer is entitled to take advantage of tax incentives.
The offer is prepared according to wishes and needs of each company
In various companies employees require different insurance support. Thereby “Seesam” offers quick preparing of the offer for each employer taking into account the area of operation and employer’s wishes according to the goals set by the company and staff motivation policy.
Tax discounts for a company
The employer is eligible to decrease the company’s profit for the amount spent on health insurance policies – this amount is an exempt of corporate income tax. If the insurance premium does not exceed 10 % of the insured person’s gross income and also does not exceed EUR 426.86 then it is an exempt of personal income tax and is not included in the object of compulsory social insurance contributions.
Reputation of a socially responsible employer
Employee health insurance is an expression of the employer’s good will as well as care and in its turn it motivates employees and increases their loyalty to the company.
We do not apply an extra payment for split payments
The insurance premium for the policy can be paid in several payments and no extra expenses are applied.
We offer an open policy
Open policy offers a possibility to pay for services that are not included in an insurance contract. Insurance holder sets insured sum of an open policy and it can be increased during the entire insurance period for an unlimited amount.
We also insure employees of small companies
Seesam health insurance offers a possibility for every employer to insure employees without envisaging any restriction like minimum number of insured employees.
Beneficial and flexible policy purchase for new employees
During the entire insurance period it is possible for the employer to insure new company’s employees who can be added to the selected insurance program under the same conditions as the initial contract was concluded. In case the number of insured individuals is increased the insured amount for each employee will not be decreased.
Discounts for other kinds of Compensa services
The company as a legal entity and insured company’s employees as individuals have possibility to receive discounts for other Compensa services.
For convenience of clients – health insurance self-service site
For the convenience of clients Compensa has created insurance self-service site ensuring clients not only with digital health insurance card and access to its data but also much more comfortable and faster service.
Seesam health insurance now is also available on the phone! Mobile app is available for both Apple iOS (iPhone, iPad) and Google Android smart devices.
1. Simple and convenient use
In the initial version of the app two essential sections are available – a digital card and an application of insurance indemnity.
2. Information is easy to review
All information on the policy, insurance risks, limits, programs and history will be at the same place and client will be able to access it through the phone. It will be easy to review it at any time and place.
Mobile app is nature friendly as no waste is created.
Paid-services are services not covered from the state budget:
Out-patient rehabilitation – massages, manual therapy, water treatments, medically prescribed corrective gymnastics in a group or individually (also medically prescribed corrective gymnastics training packages are covered within the limits). Out-patient rehabilitation can be received only at a medical institution in case of justified indications. Out-patient rehabilitation has a limit for each treatment and number of treatments during the period.
Staying at a hospital and day-care for a fee:
• Treatment in a hospital
• Treatment and diagnostics manipulations
• Laboratory inspections
• With/without treatment in advanced service conditions
Before receiving of the service, i.e. 5 working days before, at the hospital offering services for a fee, including paid days at the hospital outside the insurer’s contract organizations as well as if the in-patient service is not agreed position, it is necessary to have a written consent of the insurer – Guarantee Letter regarding the cover of the services. To make the refund according to the insurer’s guarantee letter then for preparing of the letter, it is necessary to submit to the insurer a treating doctor’s designation and possible cost estimate of services provided.
This coverage in the insurance program can be included only if cover for “paid in-patient services” is selected. Service is covered if the card is effective for a full insurance year and only with Guarantee Letter of the insurer.
Paid childbirth assistance services:
This coverage in the insurance program can be included only if cover for “paid in-patient services” is selected. Services are paid with the insurer’s guarantee letter.
Treatment at a sanatorium and specialized rehabilitation institutions only after acute health problem, i.e. accident, injury or surgery that have taken place during an insurance period. The in-patient rehabilitation services are agreed with the insurer in prior based on a treating doctor’s designation for a medical rehabilitation according to a diagnosis and medical indications and recommendations.
Program covers various kinds of dental services and dental hygiene services. The indemnity is limited by the insured amount per year and ratio (%) discount as set in the program.
Program ensures cover of the medications required for the treatment process if this medication is registered in the Drug Register of the Republic of Latvia. The indemnity is limited by the insured amount per year and ratio (%) discount as set in the program.
Sports program covers:
Program covers based on the doctor’s prescription. Optics items can be acquired once a year:
The indemnity is limited by the insured amount per year and ratio (%) discount as set in the program.
Open policy covers unforeseen out-patient and in-patient costs not covered by acquired basic program. Payments of an insurance indemnity from the open policy the insurer makes only to the insured persons included in the insurance policy (employees only) with a written confirmation of the policy holder.
Policy holder determines insured amount of the open policy. Insurer withholds administrative costs.
The outpatient clinics of the Association of Health Centres (hereinafter referred to as the VCA) employ the best doctors equipped with modern technologies, offering patients the highest level of medical care. VCA has twelve health centres throughout Latvia, and it is the largest network of outpatient clinics in the country.
A wide range of treatments and examinations performed by highly specialised and experienced medics are available in VCA’s outpatient clinics. The aim of the company is to provide patients with an individualised approach, necessary consultations, professional diagnostics, medical treatment, rehabilitation and prevention in one place. This significantly reduces the time required for treatment, which is the greatest value of our century.
VCA employs about 600 highly qualified doctors in more than 40 specialties who use the most advanced hardware and novelties available in the field of medicine. Each outpatient clinic is equipped with the latest generation equipment for conducting magnetic resonance imaging, computed tomography, ultrasonography and X-ray imaging. VCA provides both the most extensive range of State-paid healthcare services and offers paid services at competitive prices provided by the best professionals in the field, who will give each patient the time and attention they need. VCA evaluates the loyalty of its patients – having the Patient Card makes it possible to receive discounts for diagnostic examinations and medical manipulations.
If health insurance card has been stolen:
It is possible to apply for insurance indemnity in the most convenient of the following ways:
1. Portal or app
Download the mobile app:
2. In one of Compensa's customer service centers.
3.By filling out the application form.
One of the recommendations to the insured persons is not to rush to use medical services for a fee in cases when services covered by the state budget are available. It is essential to maintain sufficient insurance support resource for possible acute situations when the most often operative help can be received only by means of services for a fee. As well as to maintain positive balance at the moment when policy is renewed and not to create necessity to increase the insurance premium due to the fact that previously services for a fee have been used often.
By searching help of a specializing doctor the insured person should always make sure about the possibility to receive health care services covered by the state. To receive information on medical institutions ensuring government covered medical care please contact with the National Health Service by calling to number 80 00 12 34 or look for the information on NHS website.