The first insurance licence in Kazakhstan and its own network of clinics
Interteach: medical insurance backed by its own medical services
Kazakh Healthcare and Medical Insurance Corporation INTERTEACH JSC (Interteach) is one of the oldest insurance organisations in the country. The company was founded in 1989 with the support of the World Health Organization and became the first in the Republic of Kazakhstan to obtain an official insurance licence. Interteach’s main distinguishing feature is that it combines an insurer and a medical care provider: the group runs more than 30 of its own clinics, a 24-hour medical assistance service and an ambulance service. So a policy here means not only a payout but real access to a doctor.
From a school of medical management to a national insurer
The company’s origins are linked to an international programme for training specialists in medical and insurance management, supported by the WHO Regional Office for Europe. Once the educational task had been completed, the team put its accumulated experience into practice and focused on medical insurance. This is how the Interteach corporation came into being in 1989; later it became the first in the country to be licensed for insurance activities — and the company still emphasises today that its licence was historically the first in Kazakhstan.
Over more than 35 years of operation, Interteach has grown into a large medical and insurance group. The company defines its mission as sustainable leadership in the market for medical and insurance services through technology, client focus, a professional team and responsibility to society. The quality of its processes is confirmed by international ISO certificates, and the corporation itself takes part in charitable and social projects on a national scale.
| Full name | Kazakh Healthcare and Medical Insurance Corporation INTERTEACH JSC |
|---|---|
| Year founded | 1989, with the support of the World Health Organization |
| Licence | the first insurance licence in Kazakhstan (on the company’s website — “Licence С0000001”) |
| BIN | 920440000719 |
| Head office | Nazarbayev Ave., Medeu District, Almaty |
| Medical network | 30+ own clinics, 40+ medical posts, 64 ambulances |
| Team | more than 2,000 employees |
| Scale | more than 1,000,000 clients, over 600 thousand policies a year, more than 200 corporate clients |
| Payouts | according to the company — more than 8 billion tenge annually |
| Standards | international ISO certificates |
Geography: clinics from Almaty to Kulsary
Interteach’s medical infrastructure is present in Almaty, Astana, Shymkent, Aktobe, Kyzylorda, Uralsk, Aktau, Aksai, Atyrau, Kostanay, Ust-Kamenogorsk and Kulsary. Most of the clinics are family clinics for adults and children. In addition to outpatient appointments, the group provides 24/7 emergency care, coordinates medical evacuation and transportation, conducts preventive medical examinations (including to OGUK standards for work on offshore platforms) and provides long-term medical support for personnel at industrial sites. For the policyholder this means that many services under the policy are provided in the group’s “own” facilities, without lengthy approvals with third-party clinics.
Products for individual clients
Voluntary medical insurance
VMI programmes combine outpatient and polyclinic care, emergency care, laboratory diagnostics and inpatient treatment, including surgery and the treatment of complex diseases. Programmes are tailored to different budgets.
Travel medical insurance
A policy for trips abroad with support in the country of stay. The website has a calculator: simply choose the country, dates and number of travellers to see an indicative estimate.
Accident insurance
Voluntary protection in case of injuries and other consequences of an accident — for adults, children and an active lifestyle.
Illness insurance
Financial support in case of illness, allowing you to receive medical services without unexpected expenses.
Mandatory medical insurance
Medical insurance required by law for foreign nationals working and staying in Kazakhstan.
Motor insurance
Compulsory motor third-party liability insurance (OGPO VTS) that can be taken out online, as well as voluntary CASCO.
Solutions for business
For organisations, Interteach offers corporate medical insurance for employees with services in its own network of clinics and through medical assistance, as well as traditional general insurance: CASCO for corporate vehicle fleets, OGPO VTS for vehicle owners, compulsory insurance of the carrier’s liability to passengers, voluntary civil liability insurance to third parties and travel insurance for employees on business trips. The programmes are especially in demand among industrial companies with remote sites: the insurer can provide an on-site medical post, a duty team and evacuation.
- corporate VMI programmes with 24-hour coordinating doctors;
- medical support for rotational staff and preventive medical examinations;
- motor insurance and liability insurance;
- insurance for employees travelling abroad on business trips.
Online services
The company’s website offers a travel insurance calculator, a vehicle depreciation calculator, policy verification, online OGPO purchase, an online claims settlement section, settlement status tracking and registration of road accidents under the europrotocol. Medical clients can use the “Med Assistance” service, and a request for programme selection can be left via the feedback form.
How to report an insured event
Contact the company
Under a medical policy, first contact Interteach’s 24-hour medical assistance service — a coordinating doctor will recommend a clinic and arrange care. For motor insurance, report the road accident to the contact centre or use the “An insured event has occurred” section on the website.
Record the event
For a minor road accident without injuries or disagreements, a europrotocol can be drawn up. In other cases, keep police documents, medical reports, receipts and photographs.
Submit the documents
The claim and supporting documents are submitted via online settlement or at a company office.
Track the status
The progress of the review can be checked in the settlement status service on the website; once a decision has been made, the payout is transferred to the bank details provided or the service is paid for directly to the clinic.
Important: under VMI and travel policies, do not pay for treatment yourself until you have agreed it with the assistance service — otherwise reimbursement may require additional documents or be limited by the terms of the contract.
Interteach’s strengths
- historically the first insurance licence in Kazakhstan and more than 35 years in the market;
- its own medical network: clinics, medical posts and an ambulance fleet;
- 24-hour medical assistance with coordinating doctors;
- presence in all key regions of the country, including the oil and gas cities of the west;
- international ISO quality standards and experience of working with large national and international companies.
Take out an Interteach policy through Dynasty
At Dynasty you can choose and take out an Interteach policy — VMI, travel insurance, OGPO or a corporate medical programme. Calculate the cost in the calculator, compare the terms with offers from other insurers, and our manager will help you choose a programme, check the cover and advise you on what to do when an insured event occurs.
The information is based on data from the company’s official website and may change; please confirm the current terms when taking out a policy.