• 24/7 assistance, multilingual services (English, Russian, local languages)

  • Wide network – contracted all major health services providers

  • Steering of patients to cost-effective facilities

  • Negotiating services prices, medical bill management

  • Doctors / Medically trained personnel employed full-time

  • Reviews if medical condition is covered, and diagnosis

  • Evaluates if condition requires pre-certification

  • Claims specialists who adjudicate the claim and approves claim for payment