{"id":18181,"date":"2021-12-16T10:17:39","date_gmt":"2021-12-16T07:17:39","guid":{"rendered":"https:\/\/aicuz.com\/?p=18181"},"modified":"2023-09-27T13:13:21","modified_gmt":"2023-09-27T08:13:21","slug":"voluntary-health-insurance-for-employees","status":"publish","type":"post","link":"https:\/\/mosaic.beto.uz\/uz\/voluntary-health-insurance-for-employees\/","title":{"rendered":"Xodimlar uchun ixtiyoriy tibbiy sug'urta"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"18181\" class=\"elementor elementor-18181\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ba06c1b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ba06c1b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08dc355\" data-id=\"08dc355\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-748b428 elementor-widget elementor-widget-text-editor\" data-id=\"748b428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Xodimlar uchun ixtiyoriy tibbiy sug'urta (VHI) ijtimoiy paketga qat'iy kiritilgan va xodimlarning sodiqligini oshiradi.<\/p><p>Nima uchun ish beruvchilar o'z xodimlari uchun VHI sotib olishadi?<\/p><p><strong>Birinchidan<\/strong>, bu munosib kadrlarni jalb qilish va saqlash usullaridan biridir.<\/p><p><strong>Ikkinchidan<\/strong>, har bir ish beruvchi xodimning sog'lig'iga g'amxo'rlik qilishi, o'z vaqtida davolanishi va ish jarayoniga tezroq qaytishi bilan qiziqadi. Shunda xodimlarning etishmasligi, loyihalarni yoqish, muddati o'tgan muddatlar va hokazolar bilan bog'liq muammolar bo'lmaydi.<\/p><p><strong>Uchinchidan<\/strong>, o'z xodimlari uchun ixtiyoriy tibbiy sug'urtani sotib olib, ish beruvchi mehnat bozoridagi qiymatini oshiradi va ishbilarmonlik obro'sini yaxshilaydi.<\/p><p>Hali ham yaxshi yangilik bor, 1 yil 2022 yanvardan 1 yil 2024 yanvargacha<strong>ish beruvchi tomonidan o'z xodimlari uchun VHI sug'urtasi uchun ajratilgan mablag'lar jismoniy shaxsning umumiy daromadiga kiritilmaydi<\/strong>.<\/p><p><strong>Qachon tanlang<\/strong> ixtiyoriy tibbiy sug'urta to'plami, quyidagilarni ko'rib chiqing: bu ixtiyoriy sug'urta va ish beruvchi tibbiy sug'urta nimani qoplashini hal qiladi. Shunday bo'ladiki, sug'urta miqdori juda oz, keyin har doim ham kerakli davolanishni bepul olish mumkin bo'lmaydi yoki sug'urta dasturiga faqat asosiy xizmatlar kiritilgan \u2013 va polisning katta qismi mavjud bo'lmaydi. Xodim uchun butun tizim shunday ishlaydi: buning uchun ko'rsatmalar mavjud bo'lganda, siyosat bo'yicha olinishi mumkin bo'lgan tibbiy xizmatlar ro'yxati mavjud. Ular sug'urta dasturi doirasida keltirilgan. Agar siz bunday tibbiy xizmatlarga murojaat qilsangiz, unda siz hech narsa to'lamaysiz: sug'urta kompaniyasi barcha xarajatlarni o'z zimmasiga oladi va ish beruvchi sizning sug'urtangiz uchun to'laydi. Ammo, agar xizmat sizning sug'urta dasturingizga kiritilmagan bo'lsa, klinika sizga bu haqda aytib beradi va siz o'zingiz to'lashingiz kerak bo'ladi.<\/p><p>Hozirda pandemiya avj olgan holda, koronavirusni davolashni ham qamrab olish tavsiya etiladi.<\/p><p>Shuningdek, ish beruvchi uchun dasturga quyidagilar kiradi <strong>jismoniy tekshiruv va grippga qarshi emlash<\/strong>. Agar bo'ysunuvchilar o'z vaqtida tibbiy ko'rikdan o'tkazilsa, emlangan bo'lsa, ular kasal bo'lish ehtimoli kamroq va kasallik ta'tiliga chiqmaydilar.<\/p><p>Har qanday sug'urta dasturida sug'urta hodisasi, ya'ni sug'urta kompaniyasi to'lashi kerak bo'lgan voqea ta'rifi mavjud. Har bir sug'urta kompaniyasi sug'urta hodisasi nima bo'lishini o'zi hal qiladi. Unga taalluqli bo'lmagan narsa o'z hisobidan to'lanishi kerak. Agar sizda sug'urta dasturida ko'rsatilmagan testlar yoki imtihonlar bo'lsa yoki istisno ro'yxatidan kasallikni davolasangiz, sug'urta kompaniyasi buning uchun pul to'lamaydi.<\/p><p>VHI siyosati odatda mavjud bo'lganda tibbiy yordamga murojaat qilishingiz mumkinligini anglatadi <strong>salomatlik holati haqida shikoyatlar<\/strong>: shikastlanish sodir bo'ldi, surunkali kasallik yomonlashdi yoki qandaydir o'tkir holat paydo bo'ldi.<\/p><p>Ba'zida shartnoma hatto korporativ VHI-ga qarindoshini, masalan, bola yoki turmush o'rtog'ini qo'shish imkoniyatini ham o'z ichiga olishi mumkin.<\/p><p>Ammo har doim sug'urta kompaniyasini tanlashda siz ushbu sohadagi ish tajribasiga, mijozlarning sharhlariga va xodimlarning professionalligiga e'tibor berishingiz kerak.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1093f13 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1093f13\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b1db058\" data-id=\"b1db058\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c8ff900 elementor-widget elementor-widget-image\" data-id=\"c8ff900\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mosaic.beto.uz\/wp-content\/uploads\/2021\/12\/photo_2021-12-16-12.03.31-e1639638715831.jpeg\" title=\"photo 2021 12 16 12.03.31 e1639638715831\" alt=\"photo 2021 12 16 12.03.31 e1639638715831\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-40139e6\" data-id=\"40139e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9776a6 elementor-widget elementor-widget-heading\" data-id=\"f9776a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Muallif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e915663 elementor-widget elementor-widget-heading\" data-id=\"e915663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dinara M. Karieva<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3510006 elementor-widget elementor-widget-text-editor\" data-id=\"3510006\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Katta Sug'urta Menejeri<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Voluntary medical insurance (VHI) for employees is firmly included in the social package and increases staff loyalty. Why do employers buy VHI for their employees? First of all, this is one of the ways to attract and retain decent personnel. Secondly, every employer is interested in the employee taking care of his health, receiving treatment [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21849,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18181","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/18181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/comments?post=18181"}],"version-history":[{"count":0,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/18181\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media\/21849"}],"wp:attachment":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media?parent=18181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/categories?post=18181"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/tags?post=18181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}