Launch your team’s health cover — in two weeks.Manage on your behalf — every day.

Corporate health cover means the company buys a policy for the team, and the insurer — not the employee — pays for routine and urgent care. The employee calls an assistant, who picks a clinic from the network, books the appointment and settles the bill.

There is no single price. The cost is driven by what the programme contains (outpatient care, hospital, tests and diagnostics, medication, dentistry), the tier of clinics, the size and age profile of the team, the cities people work in, and last year's claims history. We show the cost openly: what each block costs and how the price moves if you add or drop it. You build the budget yourself instead of receiving one all-in number.

A base programme normally includes outpatient appointments, home visits, tests and diagnostics, emergency and planned hospital care, and prescribed medication. Dentistry, vaccination, check-ups and pregnancy care are usually added as separate blocks. What is not covered is whatever the contract lists as an exclusion — and that list differs from insurer to insurer.

We work with teams from 5 people up to 50,000. Corporate terms used to start at a few dozen employees; today a programme can be assembled for a small team too — the set of available options is simply different. If the market has nothing sensible for your size, we will say so plainly.

Usually two weeks from your yes to policies people can actually use. In that time we collect the requirements, bring a side-by-side comparison of insurer offers, agree the programme, sign the contract and run an onboarding session for the team. If you have a date to hit, tell us up front and we will plan backwards from it.

Yes. People join and leave the programme throughout the term of the contract — that is routine, not an exception. Changes are normally submitted as a monthly list, and a new joiner's policy is priced pro rata for the remainder of the term. In the Karpatia HR portal you make these changes yourself, without emailing the insurer.

It depends on the contract. In standard programmes war risks sit among the exclusions, though some insurers offer a separate extension. We do not make blanket promises: for every offer we show how that clause is actually worded, because here the wording of your specific policy matters more than any market rule of thumb.

Health insurance pays for treatment: appointments, tests, hospital stays, medication. Life insurance is a payout to the employee or their family after a severe event — critical illness, disability or death. They do not replace each other, they cover different risks, which is why companies often launch them in sequence: health first, life later.

You do nothing on your own — this is our part of the job. You write to us, we review the contract and the medical documents, establish the grounds for the refusal and negotiate with the insurer on the company's behalf. If the refusal turns out to be justified, we explain why and show what to change in the programme so the same case is covered next year.

There is no catch. Our commission is paid by the insurance company you choose — that is how this market works. Our service is free to you, and we show you upfront what makes up the price of the policy.

For insurers we are a sales channel carrying the combined volume of all our clients, so the terms are usually better than a company gets on its own. And the “direct” price hides three costs: your HR's hours, the risk of choosing the wrong package, and every dispute with the insurer you have to run yourself.

Maybe you should not. We will price the alternative and tell you honestly if your current terms are good. No pressure, and not one word against your current partner — that is not how we work.

The first weeks are the hardest, and those are precisely the ones we take on: mailouts, a session for the team, answering questions, migrating the data. What we need from HR is a sign-off, not project management.

Information about your company, your loss ratio and your employees' requests never leaves Karpatia and is never used in conversations with other clients or insurers. Sensitive medical matters go to our doctor, not through your HR.

If you have 20 people and no conflict with your insurer yet — possibly not, and we will say so plainly. But the moment a claim is refused, you will feel the difference between “I am arguing on my own” and “my insurance partner stands up for my interests”.