"Pulse" Health Insurance
Take a closer look at The “Pulse” individual health insurance policy, which offers a variety of packages. These packages differ in terms of service access schemes, co-payment percentages, and coverage limits. Review the conditions and choose the health insurance plan tailored to your needs. The price of the selected package is calculated based on your age category.
Packages with Referral-based Scheme
With these packages, you can receive planned outpatient services only based on a referral from a family doctor.
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Packages with Free Choice Scheme
With these packages, you can receive services at any licensed medical facility.
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The “Pulse” service is fully tailored to your needs, and you can choose packages either with a free choice scheme or a referral-based scheme within a wide network of provider clinics.
Reimbursements are promptly and easily provided, and you can efficiently manage your insurance using the mobile app.
IRAO Assistance - 24 hour hotline ;
პირადი ექიმის სამსახური;
სასწრაფო სამედიცინო მომსახურება;
პროფილაქტიკური კვლევები;
ჰოსპიტალური მომსახურება;
Cardiology;
ამბულატორიული მომსახურება;
ორსულობა და მშობიარობა;
პროფილაქტიკური ვაქცინაცია;
Oncology;
მედიკამენტები;
Stomatology
To receive services, you should contact your family doctor and visit a provider clinic in order to benefit from co-financing at the time of payment. If you are using a free-choice package, you can also receive services at any licensed clinic of your choice. In this case, you pay the full amount upfront and receive reimbursement from us upon submission of the relevant documents.
You can see the list of our partner clinics on this link.
You have multiple options for reimbursement: you can use the IRAO application or the web portal (online.irao.ge) to get reimbursement, or you can visit branches and drop your documents in designated boxes.
Any amount will be refunded to you within 2 business days at most.
If you are using a referral-based package, you can receive services only at provider clinics and based on a valid referral. If you choose a free-choice package, you can receive services both at provider clinics and at any licensed non-provider clinic of your choice. In the latter case, you will first pay the full amount and then request reimbursement based on the relevant documentation.
You can use individual health insurance only at the provider dental clinics.
To reimburse outpatient services and medications, you will need:
- Form 100/prescription (with official stamp and signature);
- Payment receipt;
- Cash receipt order (in the case of receiving services from a gynecologist and urologist, the answers to the conducted studies are also necessary).
To be reimbursed for dental expenses, you will need:
- Form 100;
- Payment receipt;
- Cash receipt order;
- X-ray before and after receiving the service (except for hygienic cleaning, treatment of the mucous membrane, oncology patients, children under 13 and pregnant women and cases when the patient has not had an X-ray).
You can request a referral from your family doctor if necessary. Another option is to use our application to remotely request medication, but you'll need either Form 100 or a doctor's prescription.
You have the flexibility to select the start date of your "Pulse" policy after at least 14 days from your purchase. Once this period elapses, you'll gain access to the services outlined in your package, excluding those that have a trial period.
დაზღვევის პირობების სანახავად გადადით ბმულზე