"Pulse" Health Insurance irao

"Pulse" Health Insurance

Take a closer look at the “Pulse” individual insurance policy, which includes multiple packages with varying co-financing percentages and limits. Decide on the health insurance coverage that aligns with your requirements.

Premium

From 135 ₾

Monthly

ConditionsPremium
"IRAO Assistance"100% / Unlimited
Personal doctor services100% / Unlimited
Ambulance services100% / Unlimited
Preventive care90% / Twice per year
Vaccination100% / Once per year
Urgent in-patient services due to a personal accident100% / 25000₾
Urgent in-patient services (waiting period 3 months)100% / 10000₾
Planned in-patient services (waiting period 12 months)*100% / total limit of 8000₾
Urgent day hospital service (waiting period 3 months)*100% / total limit of 8000₾
Planned day hospital service (waiting period 12 months)*90% / total limit of 8000₾
Cardiology (urgent - waiting period 3 months, planned - waiting period 12 months)100% / 8000₾
Stent /endoprosthesis (waiting period 24 months)*100% / total limit of 1000₾
assisting devices/corrective devices/internal fixings*100% / total limit of 1000₾
Indirect expences100% / 300₾
Oncology (waiting period 12 months)100% / 10000₾
Pregnancy/childbirth (waiting period 15 months)100% / 1200₾
Urgent outpatient services100% / Unlimited
Planned outpatient services with referral at Personal doctor's locations * 90% / Total limit of 3000₾
Planned outpatient services with referral at provider clinics * 90% / Total limit of 3000₾
Planned outpatient services at Personal doctor's locations during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 90% / Total limit of 1000₾
Planned outpatient services with a referral at provider clinics during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 85% / Total limit of 1000₾
Prescribed drugs with referral at Aversi Pharmacy* 90% / Total limit of 3000₾
Prescribed drugs without referral - free choice * 80% / Total limit of 3000₾
Prescribed drugs during Diabetes type 1 and type 2, renal and liver chronic failure,, with referral at Aversi pharmacy (waiting period 6 months)* 90% / Total limit of 1000₾
Prescribed drugs during Diabetes type 1 and type 2, renal and liver chronic failure without referral - free choice (waiting period 6 months)* 80% / Total limit of 1000₾
Urgent dental services100% / Unlimited
Planned dental services at provider dental clinics80% / 3000₾
Planned dental services at provider dental clinics - HBI dent implant and Dens60% / 800₾
Orthopedics/orthodontics/implantation in provider clinics10-40% / Unlimited
Travel Insurance30% / Unlimited
Monthly insurance premium for an individual card for 0-21 years135₾
Monthly insurance premium for individual card for 21-45 years old145₾
Monthly insurance premium on an individual card for ages 45-66170₾

Note

*Overall total limit applies to the mentioned services

Details

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Comfort +

From 100 ₾

Monthly

ConditionsComfort+
"IRAO Assistance"100% / Unlimited
Personal doctor services100% / Unlimited
Emergency medical services100% / unlimited
Preventive care80% / Once per year
Urgent in-patient services due to a personal accident 100% / 20000₾
Urgent in-patient services (waiting period 3 months)100% / 9000₾
Planned in-patient services (waiting period 12 months)*100% / total limit of 7000₾
Urgent day hospital service (waiting period 3 months)*90% / total limit of 7000₾
Planned day hospital service (waiting period 12 months)*80% / total limit of 7000₾
Cardiology (urgent - 3 months, planned - 12 months)100% / 7000₾
Stent/ endoprosthesis (waiting period 24 months)*100% / 800₾
assisting devices/corrective devices/internal fixings*100% / total limit of 800₾
Oncology (waiting period 12 months)100% / 7000₾
Pregnancy/childbirth (waiting period 15 months)100% / 1000₾
Urgent outpatient services100% / Unlimited
Planned outpatient services with referral at personal doctor's locations* 80% / Total limit of 2000₾
Planned outpatient services with the referral a provider clinics"* 75% / Total limit of 2000₾
Planned outpatient services at Personal doctor's locations during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months) * 70% / Total limit of 800₾
Planned outpatient services with a referral at provider clinics during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 65% / Total limit of 800₾
Prescribed drugs with the referral at Aversi Pharmacy * 80% / Total limit of 2000₾
Prescribed drugs without referral (free choise) * 70% / Total limit of 2000₾
Prescribed drugs with referral at Aversi pharmacy during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months) * 70% / Total limit of 800₾
Prescribed drugs without referral (free choice) during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 60% / Total limit of 800₾
Emergency dental services100% / Unlimited
Planned dental services at provider dental clinics70% / 2000₾
Planned dental services at provider dental clinics - HBI dent implant and Dens50% / 500₾
Orthopedics/orthodontics/implantation in provider clinics10-40% / Unlimited
Travel Insurance30% / Unlimited
Monthly insurance premium for an individual card for 0-21 years100₾
Monthly insurance premium for individual card for 21-45 years old115₾
Monthly insurance premium on an individual card for ages 45-66145₾

Note

*Overall total limit applies to the mentioned services.

Details

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Comfort

From 80 ₾

Monthly

ConditionsComfort
"IRAO Assistance"100% / Unlimited
Personal doctor services100% / Unlimited
Emergency medical services100% / Unlimited
Preventive care70% / once per year
Urgent in-patient services due to a personal accident100% / 17000₾
Urgent in-patient services (waiting period 3 months)100% / 8000₾
Planned in-patient services (waiting period 12 months)*90% / total limit 6000₾
Urgent Day hospital service (waiting period 3 months)*80% / total limit 6000₾
Planned Day hospital service (waiting period 12 months)*70% / total limit 6000₾
Cardiology (urgent - waiting period 3 months, planned - 12 months)100% / 6000₾
Stent/ endoprosthesis (waiting period 24 months)*100% / total limit 6000₾
Stent/ endoprosthesis (waiting period 24 months)*100% / total limit 600₾
Assisting devices/corrective devices/internal fixings*100% / total limit 600₾
Oncology (waiting period 12 months)100% / 6000₾
Pregnancy/childbirth (waiting period 15 months)100% / 700₾
Urgent outpatient services100% / Unlimited
Planned outpatient services with referral at Personal doctor's locations* 70% / Total limit of 1500₾
Planned outpatient services with the referral at Provider Clinics "* 65% / Total limit of 1500₾
Planned outpatient services at Personal doctor's locations during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 60% / Total limit of 600₾
Planned outpatient services with a referral at Provider clinics during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 55% / Total limit of 600₾
Prescribed drugs with referral at Aversi Pharmacy* 70% / Total limit of 1500₾
Prescribed drugs without referral - free choise * 60% / Total limit of 1500₾
Prescribed drugs during Diabetes type 1 and type 2, renal and liver chronic failure, with referral at Aversi pharmacy (waiting period 6 months)* 60% / Total limit of 600₾
Prescribed drugs during Diabetes type 1 and type 2, renal and liver chronic failure, without referral - free choice (waiting period 6 months)* 50% / Total limit of 600ლ
Urgent dental services100% / Unlimited
Planned dental services at provider dental clinics60% / 1500₾
Planned dental services at provider dental clinics - HBI dent implant and Dens40% / 300₾
Orthopedics/orthodontics/implantation in provider clinics10-40% / Unlimited
Travel Insurance30% / Unlimited
Monthly insurance premium for an individual card for 0-21 years80₾
Monthly insurance premium for individual card for 21-45 years old90₾
Monthly insurance premium on an individual card for ages 45-66110₾

Note

*Overall total limit applies to the mentioned services.

Details

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Standard

From 65 ₾

Monthly

ConditionsStandard
"IRAO Assistance"100% / Unlimited
Personal doctor services100% / Unlimited
Emergency medical services100% / Unlimited
Preventive care60% / once per year
Emergency hospital services due to a personal accident100% / 15000₾
Emergency hospital services (waiting period 3 months)100% / 7000₾
Planned hospital services (waiting period 12 months) *80% / Total limit 5000₾
Urgent Day hospital service (waiting period 3 months) *70% / 5000₾ Total limit
Planned Day hospital service (waiting period 12 months) *60% / 5000₾ Total limit
Cardiology (urgent - waiting period 3 months, planned - 12 months)100% / 5000₾
Assisting devices/corrective devices/internal fixings) *100% / 400₾ Total limit
Stent/endoprotheses (reimbursed from the third year of pulse insurance, waiting period 24 months) *100% / 400₾ Total limit
Oncology (waiting period 12 months)100% / 5000₾
Pregnancy/childbirth (waiting period 15 months)100% / 500₾
Emergency outpatient service100% /Unlimited
Planned outpatient services with referral at Personal Doctors locations * 60% / Total limit of 1000₾
Planned outpatient services with referral at Provider Clinics * 55% / Total limit of 1000₾
Planned outpatient services with referral at Personal Doctors locations during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 50% / Total limit of 500₾
Planned outpatient services With referral at Provider Clinics locations during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 45% / Total limit of 500₾
Medications with a referral at Aversi Pharmacy * 60% / Total limit of 1000₾
Medications without Referral - Free choice * 50% / Total limit of 1000₾
Medications during Diabetes type 1 and type 2, renal and liver chronic failure with referral at Aversi Pharmacy (waiting period 6 months)* 50% / Total limit of 500₾
Medications during Diabetes type 1 and type 2, renal and liver chronic failure without Referral - Free choice (waiting period 6 months)* 40% / Total limit of 500₾
Urgent dental services100% / 1000₾
Planned dental services in provider dental clinics50% / 1000₾
Planned dental services in provider dental clinics - HBI dent implant and Dens20% / 200₾
Orthopedics/orthodontics/implantation in provider clinics10-40% / Unlimited
Travel Insurance30% / Unlimited
Monthly insurance premium for an individual card for 0-21 years65₾
Monthly insurance premium for individual card for 21-45 years old85₾
Monthly insurance premium on an individual card for ages 45-6695₾

Note

*Overall total limit applies to the mentioned services

Details

Request a Call

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Compare Packages

ConditionsPremiumComfort +ComfortStandard
IRAO Assistance100% / Unlimited100% / Unlimited100% / Unlimited100% / Unlimited
Personal doctor service100% / Unlimited100% / Unlimited100% / Unlimited100% /Unlimited
Ambulance services100% / Unlimited100% / Unlimited100% / Unlimited100% /Unlimited
Preventive care90% / Twice per year80% / Once per year70% / Once per year60% / Once per year
Preventive Vaccination100% / Once per year---
Emergency hospital services due to a personal accident100% / 25000₾100% / 20000₾100% / 17000₾100% / 15000₾
Urgent in-patient services (waiting period 3 months)100% / 10000₾100% / 9000₾100% / 8000₾100% / 7000₾
Planned in-patient services (waiting period 12 months)*100% / Total limit of 8000₾100% / Total limit of 7000₾90% / Total limit of 6000₾80% / Total limit of 5000₾
Urgent Day hospital service (waiting period 3 months) *100% / Total limit of 8000₾90% / Total limit of 7000₾80% / Total limit of 6000₾70% / Total limit of 5000₾
Planned Day hospital service (waiting period 12 months)*90% / Total limit of 8000₾80% / Total limit of 7000₾70% / Total limit of 6000₾60% / Total limit of 5000₾
Cardiology (urgent - waiting period 3 months, planned - 12 months)100% / 8000₾100% / 7000₾100% / 6000₾100% / 5000₾
Stent/ endoprosthesis (waiting period 24 months)*100% / Total limit of 1000₾100% / Total limit of 800₾100% / Total limit of 600₾100% / Total limit of 400₾
Assisting devices/corrective devices/internal fixings*100% / Total limit of 1000₾100% / Total limit of 800₾100% / Total limit of 600₾100% / Total limit of 400₾
Indirect expences100% / 300₾---
Oncology (waiting period 12 months)100% / 8000₾100% / 7000₾100% / 6000₾100% / 5000₾
Pregnancy/childbirth (waiting period 15 months)100% / 1200₾100% / 1000₾100% / 700₾100% / 500₾
Urgent outpatient services100% / Unlimited100% / Unlimited100% / Unlimited100% / Unlimited
Planned outpatient services with referral at Personal Doctor's locations* 90% / Total limit of3000₾80% / Total limit of 2000₾70% / Total limit of1500₾60% / Total limit of 1000₾
Planned outpatient services with referral at Provider clinics* 90% / Total limit of 3000₾75% / Total limit of 2000₾66% / Total limit of 1500₾55% / Total limit of 1000₾
Planned outpatient services at personal doctor's location during chronic illness (waiting period 6 months)* 90% / Total limit of 1000₾70% / Total limit of 800₾60% / 6Total limit of 600₾50% / Total limit of 500₾
Planned outpatient services with referral at Provider clinics during chronic illnesses (waiting period 6 months)* 85% / Total limit of 1000₾65% / Total limit of 800₾55% / Total limit of 600₾45% / Total limit of 500₾
Planned outpatient services (free choice) during chronic illnesses (waiting period 6 months)* 80% / Total limit of 1000₾60% / Total limit of 800₾50% / Total limit of 600₾40% / Total limit of 500₾
Prescribed drugs with referral at Aversi Pharmacy* 90% / Total limit of 3000₾80% / Total limit of 2000₾70% / Total limit of 1500₾60% / Total limit of 1000₾
Prescribed drugs without referral in other pharmacies - free choice * 80% / Total limit of 3000₾70% / Total limit of 2000₾60% / Total limit of 1500₾50% / Total limit of 1000₾
Prescribed drugs with referral at Aversi pharmacy during Diabetes type 1 and type 2, renal and liver chronic failure (waiting period 6 months)* 90% / Total limit of 1000₾70% / Total limit of 800₾60% / Total limit of 600₾50% / Total limit of 500₾
Prescribed drugs without referral in other pharmacies during Diabetes type 1 and type 2, renal and liver chronic failure - free choice (waiting period 6 months)* 80% / Total limit of 1000₾60% / Total limit of 800₾50% / Total limit of 600₾40% / Total limit of 500₾
Emergency dental services100% / Unlimited100% / Unlimited100% / Unlimited100% / 1000
Planned dental services in provider dental clinics80% / 3000₾70% / 2000₾60% / 1500₾50% / 1000₾
Planned dental services in provider dental clinics - HBI dent implant and Dens60% / 800₾50% / 500₾40% / 300₾20% / 200₾
Orthopedics/orthodontics/implantation in provider clinics10-40% / Unlimited10-40% / Unlimited10-40% /Unlimited10-40% / Unlimited
Travel Insurance30% / Unlimited30% / Unlimited30% / Unlimited30% / Unlimited
Monthly insurance premium on individual card for 0-21 years135₾100₾80₾65₾
Monthly insurance premium on individual card for 21-45 years145₾115₾90₾80₾
Monthly insurance premium on individual card for ages 45-66170₾145₾110₾95₾

Note

*Overall total limit applies to the mentioned services

Compare Packages

With "Pulse," the service is entirely customized to suit your needs, granting you the variety to choose 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

You have two options for utilizing the insurance: consult your family doctor and go to the provider clinic for co-financing during payment.

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.

You have the choice to access the in-patient service at either the provider clinic or your desired non-provider licensed clinic. In this second case, you'll need to make the full payment upfront and then apply for reimbursement with the relevant documentation. Getting out-patient services is only available in our provider clinics.

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