Imkliva Insurance
117 reviews
December 8, 2024
I would like to express my sincere gratitude to Yulia Dedkova, an employee of Imkliva Insurance, for her professionalism, attentiveness and friendly attitude. Julia promptly and competently solved all the issues, explained in detail all the nuances of insurance, and also helped me choose the best option for my situation. It is a pleasure to work with such a responsible and responsive specialist!
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1
September 30, 2024
Over the years of cooperation with this company, I have repeatedly been convinced of the high quality of the services provided.
I really liked it: A wide range of medical services: The VMI program covers almost everything you need
Convenient network of partner clinics: almost all private medical centers
High level of service: The employees of the insurance company are always ready to help and respond almost 24/27
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4
September 30, 2024
I want to share my positive experience of cooperation with the insurance company Imkliva Insurance. During the time that I have been their client, I have never had to doubt the quality of their services.
First of all, it is worth noting the high professionalism of the staff. You can quickly get advice on any questions, and the staff is always polite and ready to help. The insurance registration went smoothly and without unnecessary delays. All the necessary conditions and guarantees were available to me, and I felt confident signing the contract.
I was particularly pleasantly surprised by the speed of processing my requests and payments. When the insured event occurred, Imcliva Insurance promptly responded and carried out all necessary procedures without unnecessary bureaucracy. The payment was made as soon as possible, which allowed me to avoid stress in a difficult situation.
In addition, the company offers a variety of programs that are suitable for different customer needs. I am pleased to recommend Imkliva Insurance to anyone who is looking for a reliable and responsible insurance company!
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4
July 13, 2024
I received insurance from this company in connection with the loan, the bank was very praised, they said that many companies take their insurance of the "business" tariff for their employees. As a result, it turned out that the insurance includes ordinary state polyclinics, which you can get to for free anyway. Of course, there were several private clinics on the list, but it was not possible to get into them. It turned out that if a clinic or hospital is on the list of their services, then I can't count on all types of medical care. The list of services that I can use has not been provided to me, every time I need something, I have to contact them and clarify whether it is included in my contract. They also respond for several days. It seems to me that they are just luring money out of people and in fact do not help them in any way. I paid 700 rubles to the company and I can't even go to the dentist for an examination on insurance. IN ANY CASE, DO NOT CONTACT THIS COMPANY FOR MEDICAL INSURANCE.
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20
3
September 14, 2024
My patience has run out! The most disgusting insurance! Which I had to deal with on VMI! Constantly!!! (colleagues also) write that the letter has been sent, you come to the reception and it begins: there is no letter, you can't get through to the insurance company! You have to pay with your own money, and then collect all the supporting documents and send them letters! So it's good if you have money with you, the amounts are different! Then, two weeks later, they reimburse the cheapest tests from the paid ones and you have to go to the bank they work with and take your money! Fine (in the buckets!) It makes life easier to have VMI in this insurance! You get so many extra worries for yourself right away!
There have been incidents in other insurance companies, but you can always get through and solve the issues right away!
I never advise anyone to work with this insurance company!!!!!
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6
2
December 3, 2024
The bank offered to take out insurance on the card, I explained that I often buy diabetic goods on specialized websites, asked if I transferred money to the seller and he would not forward the goods, it would be an insurance event, to which the bank manager said yes. Having received an affirmative answer, I regularly took out insurance for two years, but an insurance event occurred, an unscrupulous seller (fraudster.) he did not send me the sensors, I wrote an application to the insurance company, they considered it for more than 5 months and refused to pay, saying that this was not an insured event, the most insulting thing was that the insurance period ended just a few days before the refusal, but realizing that I would not conclude a new useless insurance with them, they waited with a rejection letter until that moment for now, I will extend this useless service for another year.
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1
July 15, 2024
An excellent insurance policy if you have nowhere to spend your money. The policyholder has the right to choose what to pay and what not to pay. But their list of what they don't pay for feels like more than there are diseases at all. You will be refused to pay for any doctor to whom you would like to make an appointment again, because even at the first visit you can still name any diagnosis, describe the problem in general phrases. At the second visit from the doctor, you will even have just a preliminary diagnosis and it will definitely not be insured. The same goes for the tests, some are prescribed in the contract, but no one will pay for them, because they were prescribed to you by a doctor who assumes your diagnosis, and the diagnosis is not insurance. The staff answers any question by phone, we insure according to Article 15, and that's it, absolutely any question. I was extremely satisfied with this insurance, I will definitely take it again!
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11
2
September 25, 2024
The worst insurance and the worst VMI than anywhere else. Only the most basic and cheap tests are paid for, the rest are not consistently paid because these tests are not paid for such a diagnosis. For some reason, they believe that they have the right to challenge the tests prescribed by a doctor. You can forget about repeated visits to doctors. Neither my colleagues nor I have ever paid for repeated openings from specialists, with the exception of therapists. They respond by mail once a day, sending a letter of guarantee may take several days. I have not yet heard more boorish communication from support specialists. In the first months after the registration of the VMI, they called and sold real estate and car insurance. An office for sucking money and time
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5
July 31, 2024
It's just a wild horror, it's simply impossible to re-register with a doctor for a narrow specialist (to another medical center that has a contract), they have the same answer to everything, in accordance with the points......! What they have learned, they answer!!! They do not consider your request at any level at all;! I tried three times to explain to the staff of the call center that the doctor I visited earlier is on work leave, and therefore I ask you to send a letter of guarantee for consultation to another medical center to a specialist, but the answer is not impressive!!!!!!! You have previously visited the X center, so sign up there!!!! What kind of answer is that anyway????? Or go for your own money!!! The question is, then why did I get insurance??? And the answer was-that's why? I'm just at a loss!!!!! What a disgusting attitude towards customers!!! And they also said that I did not follow the doctor's recommendations, but it was recommended to do an ultrasound after a certain time on the 7th day after cd!!!!!!! Despite all my arguments and explanations, the staff keeps saying only one thing!!!! Maybe the management will take action, and not on a pencil.... I do not recommend this insurance company!!!!!!!!!!!!!!!!!!
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8
1
December 27, 2024
I had a very unpleasant story this year. I was attacked by scammers and lost the funds that were in my Savings Bank account. Before this event, when I was offered insurance, I was not very eager to take out insurance. However, the bank's employees said that given my age (69 years old), it might make sense not to give up this opportunity. I agreed. After the "insured event", in which, undoubtedly, my guilt could be seen - the loss of vigilance, I doubted how the insurance company IMCLIVA INSURANCE would interpret what had happened. Thank God, I was compensated after all the necessary actions of the investigative authorities were carried out. Thank you, IMCLIVA INSURANCE.
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November 20, 2024
I do not advise contacting this company. The company where I work has an agreement with the Medical insurance company for medical expenses. At the stage of concluding the contract, the manager "cajoles" as best he can, says that all the conditions you will have will remain as in the previous insurance and even better... But in fact, employees faced constant refusals to accompany services, refusals to take tests. To get an escort from the Ymca, you need to "gnaw out your teeth", prove that this service must be paid for!
A couple of years before that, I had an agreement with Ymkliva for a car rental. The first case was paid without problems, the second time there was an unreasonable refusal and when trying to prove their case, there were unequivocal threats from the management. I do not advise anyone to contact this insurance company!!
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2
July 17, 2024
I have taken out medical insurance with the insurance company Imkliva Insurance. At the stage of advertising the company, I was surrounded by attention and assurances about their humanism and humanity. As soon as I took out insurance, I was faced with complete indifference, scripts and templates began to talk to me. In order to make an appointment with the specialist I need, I must describe my condition and symptoms, and some employee evaluates this condition (on what basis does not a specialist conduct an online medical diagnosis? does he have a license to carry out such diagnostics) and determines whether you need a specialist or not? I talked to a girl who only had a name, as I was later explained, their specialists in the company should not be properly introduced! So the employees' action is aimed at finding a reason to refuse insurance coverage for visits to the right specialists. I never thought that I would encounter such an ugly approach to citizens in our country. It is not possible to leave a complaint, and the detector takes 1 day per month. The situation is disgusting, and the company is not trustworthy. Do not take insurance from this company, otherwise you will pay for visits to doctors and tests on your own
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5
3
September 23, 2024
We have been working with this company for 2 years. There were various insurance, VMI, insurance when traveling abroad and insured the apartment. I use Vmi all the time, everything suits me, there were a couple of points of refusal, but this was provided for by the rules. I also got a toothache abroad, applied, and solved the issue in a couple of hours. Plus, their price tag is lower than that of other insurance companies.
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1
3
September 27, 2024
I do not advise anyone, if you are faced with a choice, then it is not in favor of the clive! For your money, you should practically beg. Dispatchers who answer phone calls, in general, it seems that from different organizations, everyone interprets the same information in their own way. The contract is drawn up as if there is one for you and another for them. The whole system is built just to take money from you, and then don't fool your head. I wouldn't even give 1 star for such insurance.
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1
July 18, 2024
Good day to all, be careful with this company, everything is very tricky and sewn up with threads, how much pomp, there was a case with insurance when you rent a scooter there is an insurance point, as it turned out, everything is paid to third parties but not to you, so when you sort of insure yourself it turns out not to yourself, so read pay attention to what you sign in this office!
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4
2
August 1, 2024
There was a heart attack! My 32-day sick leave was delayed for 2 months - eventually they wrote on the website that it was refused. The reason is 5% for diseases. The funny thing is that I have never complained about my heart in the clinic at all!!))) Besides, how can it be that "It was not possible to identify the insured person"?? - and this is taking into account the sent copies of the passport and all the requested documents!!
In short, give the money to the children in boarding schools and be healthy and happy, but not in imkliva!!!
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5
1
October 28, 2024
For the first time in my life in my 29 years, I'm leaving a negative review because I'm furious. This is the worst insurance in my life. I was doing medical insurance for living abroad. I have an inflamed nerve in my tooth and it needs to be treated, and it hurts a lot, my mouth and tongue are numb, perhaps because of the tooth, I have lost my taste, it throbs and hurts above the eye and in the back of my head. And you know what? I was told that it was a mild symptom and did not confirm my appointment with a doctor. I don't know what this insurance is good for, it's just money thrown away. When you're really in pain and you need medical help, insurance doesn't pay for it.
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2
November 24, 2024
I do not recommend it. The company does not know how to admit its mistakes, the administration is afraid to take responsibility even if it is obviously wrong. There is no desire to understand the situation. When there was ambiguity in the definitions in the insurance rules, the company did not meet the customer halfway. Because of the insignificant amount, I did not file a lawsuit, otherwise 100% of the decision would not have been in favor of them. I highly recommend not to insure your health in this company
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1
September 30, 2024
I use VMI insurance from this company. They are great at helping me with medical issues. The staff is always quick to answer my questions.
I can choose where to seek medical help, and it's very convenient.
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1
September 18, 2024
I signed an accident and disease insurance contract with this company for myself and my grandmother. I really like the conditions and work of the contact center staff.
An unpleasant situation happened: the grandmother stumbled and got a fracture. They opened her sick leave, it was about two months old. We received a very good payment and sent it to rehabilitation.
We received timely advice and were very satisfied.
thank you very much!
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1
October 7, 2024
I get insured here every time I go abroad. It is convenient that you can register online. Quickly and without leaving the house.
Once I even had to apply for an occasion on a trip. Quickly, clearly, without unnecessary questions.
I definitely recommend it.
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1
October 18, 2024
I have been insured in Belgosstrakh for many years.But when an insurance case arose, they did not help me.But Imkliva is a super company.We quickly phoned, the entire list of documents was sent via Viber, the girl operators answered instantly and intelligibly.everything was "chewed up and put in your mouth."Thank you very much.I'm your client now.
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September 17, 2024
She took out insurance against accidents and diseases. I went on sick leave due to illness, the insurance company paid everything on time. It's very convenient, the extra money didn't hurt)
The staff is very polite and courteous)
💯 I will extend the insurance!
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1
May 11, 2024
If you choose an insurance company, I do not recommend it. There is something to compare it with:
1. Climbing recording system - you write to Viber (when another company has an option to record via bot). At the other end, they answer as they want and when they want, often you need to push.
2. To get directions, you need to prove that you need to go there. Not always, but when the recording is repeated, the jokes begin. For example, if we do not write this down, then we do not compensate - you ask for the point and the rules - they throw off a paragraph of the rules that is generally unrelated to the situation.
3. Communication with employees is not pleasant, there is no desire to help from the word in general.
I am served by another company from work, and the child from my husband works in this one, so the attitude in both heaven and earth is not in favor of them. I do not write the name so that they do not shout that these are competitors) in general, game, next year I will enter the child to myself, we need to get rid of this office
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15
2
September 26, 2024
Great company, everything is fast and clear!
I insured myself against accidents.
All payments are on time.
I thank the company and the staff for their help)
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April 3, 2024
I signed a contract with this company twice and there were no complaints before: all points of the contract were always unconditionally fulfilled. I signed the contract for the 3rd time.
1. Employees give out-of-date advisory information over the phone. 2. The company does not comply with the terms of the contract, moreover, employees, when presenting information, do not even bother to study it. Compensation for payments is delayed, deadlines are negotiated, taken from the ceiling, not prescribed in the contract. Some unimaginable examinations are prescribed according to the doctor's conclusion, provided to the office in the original!!!
I do not recommend contacting this company to anyone if your time and nerves are dear to you!!!!
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16
3
October 4, 2024
This insurance company cannot help if you are abroad. Redirects to other partners who also cannot help, you can only contact the company by phone
They can't provide online help. I do not recommend it.
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1
November 19, 2024
The VMI does not work. When agreeing, the company's employees refer to fictitious medical formulations, interpret the contract in their favor. Doctor's appointments are ignored. I don't plan to use their services anymore
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1
December 2, 2024
Accident insurance is distributed through MTBank CJSC. The Rules of Imkliva Insurance clearly state that disabled people from childhood are not subject to insurance. However, I have been an active disabled person since childhood anyway and was insured by the Insurance Company. Avoid this office!!!
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August 16, 2024
I DO NOT RECOMMEND APPLYING FOR A HARD HAT IN THIS INSURANCE COMPANY!!!They are reluctant to pay insurance indemnities and interpret everything only in a context that is beneficial to themselves, the worst insurance organization I have come across!
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3
April 25, 2024
I do not recommend contacting this insurance company at all. Before you want to cooperate with them, read people's reviews carefully. They will immediately lose the desire to insure themselves, because a lot of people are dissatisfied with the attitude and write the truth about this insurance company.
In order to get to the doctor or undergo the necessary examination, you need to PROVE to the girl from the call center, who, for a moment, does not have a higher medical education, that you need an appointment / examination. Also, the girls from the call center question the diagnoses of doctors and the recommendations that a certain doctor gives you for further examination. They always find fault with how the referral/ conclusion of the medical institution is drawn up (either the seal is not so good, then the conclusion is not written on such a sheet, then the doctor's signature is not visible, then why did the doctor give you such a diagnosis without the listed complaints), etc. in order to RATTLE YOUR NERVES AND NOT CONFIRM THE VISIT TO TO THE DOCTOR / EXAMINATION. And in addition to this, the girl from the call center, who fancied herself a PROFESSOR WITH a MEDICAL EDUCATION, although she does not have a medical education, to my complaint that they constantly find fault with the design of the referral and question the diagnoses of doctors, replied to me "if you don't want to, don't use it" I.e. I paid money to YOUR the insurance company, so that some girl would say such words to me, and not try to solve the issue. You feel like a 5-year-old child in kindergarten who is trying to PROVE that he has a stomach ache and PROVE THAT HE NEEDS HELP to be BELIEVED. Absurdity and kindergarten.
The girls from the call center would like to send a parting message: instead of pretending to be doctors and arguing with the diagnoses and recommendations, they would do THEIR JOB, namely: they answered people in Viber for more than a day, were able to politely and tactfully resolve issues with the client, and not argue, trying to raise the tone on the client and throw the words "if you don't want to, don't use"!
If you don't want to be made a fool of, get on your nerves, then contact more competent insurance companies.
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9
2
June 28, 2024
I do not recommend contacting this office to anyone. I insured the car under a hard hat, could not resolve the issue of replacing the glass, their "expert" writes repairs, the dealer writes a replacement and so on indefinitely, they cannot agree, and you will suffer.
Casco was with a choice of service stations, I chose a dealer. And imkliva says, go to Uncle Vasya's garage, he will repair everything.
The employees of the loss settlement bureau communicate rudely, they are rude right in your eyes, for your own money.
Avoid it.
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7
2
February 27, 2024
I insured myself and the child for 2 years. How I regret choosing a company. The disease was first diagnosed in my son. I had an operation in January. On 24.01.24, I sent a registered letter with all the necessary information to receive the payment. Today, on 02/27/2024, on some basis, the documents began to be considered only on 02/14/2024. And today I was informed by phone that the review of documents was extended again for 9 working days. Their expert doctor cannot draw conclusions. I remind you that the disease was detected initially in the fall of 2023 and the child was immediately scheduled for surgery in January 2024. All this information is in the medical documents.
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11
2
August 9, 2024
Student insurance at a good price! But the office is locked, the elevators, the doors are all on special passes, it seemed that the client was not expected in this place.
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1
November 19, 2024
I took out insurance in the imcleve for traveling abroad online.
The entire registration process was quick and clear, and the insurance terms were transparent and accessible. It is very pleasant that the company is attentive to customers and is always ready to help.
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January 17, 2024
Don't get fooled by this insurance company. Read the reviews before contacting them. Having suffered a kneecap injury, having provided all the documents, I received a letter of refusal to pay. This is not an injury! I was on sick leave with my knee for 15 days, I couldn't walk. And it turns out it's not an injury! The payment was REFUSED!
To my great regret, another insurance contract was signed with this organization, thanks to the bank. They can only impose their insurance through banks. After the current relationship, I will terminate the insurance contract.
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11
2
July 5, 2024
The company IS CHEATING!!! They do not confirm visits to the doctor, if they have "proved" that something hurts you, then they question the doctor's conclusion and do not confirm the examination.
If you want to save your money and nerves, DO NOT CONTACT this insurance company.
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6
2
April 7, 2024
Don't believe the beautiful promises of this insurance company. The agreement was concluded very quickly, without any "delays". I insured their Sberbank card. On February 9, she became a victim of fraud. The Investigative Committee has opened a criminal case. Recognized as a victim. I sent a whole package of documents to the company. According to the contract, this is an insurance case, but they politely kicked it off. Deceived once again, now "legally". I'm going to see a lawyer.
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6
2
January 18, 2024
Some refusals, 40% of the necessary services and procedures have to be done for your own money anyway! I buy a package of services and at the same time I need to prove that I need one or another doctor! PROVE IT))) This is absurd. A simple example. A neurologist sends me to an endocrinologist to undergo an ultrasound and so on to find out the causes of my illness. I dial the insurance company, they refuse to pay me, for the reason that there is no justification to contact an endocrinologist))))))))) It's funny and sad)
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10
2
September 16, 2024
The best insurance for traveling abroad (value for money, quality and content).
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1
February 1, 2024
I don't recommend it. Other insurance companies are much more responsive and professional. You need to prove to a contact center specialist that you really need a consultation or procedure. From call to call, they get confused in the comments. They categorically refuse to go to a meeting to resolve difficult issues. Belgostrach is much better in comparison with them. Customer focus is at zero.
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8
3
January 24, 2024
I took out VMI insurance for myself and my mother and did not regret it, there were calls to doctors in different medical centers, specialists promptly sent a letter of guarantee for payment for medical services, there were no overlaps when contacting the medical center.
Special thanks to specialist Tatiana for her responsiveness and competent advice!
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3
7
January 5, 2024
It's just awful.
I wrote to the post office
The complaint sent to the official e-mail was answered within 7 working days. More precisely, they did not answer, but they were able to call today, January 5, 2024. Let's calculate in calendar days the answer took 12 days.
Pay attention if the car is older than 3 years old, you will be refused repair by an official dealer. Even if the warranty on the machine is 5 years from the factory. These are their rules specifically!!!!!!!!
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10
1
April 10, 2024
I have been using medical insurance for several years (since 2018), everything is clear and prompt, the main thing is to know the conditions of the program
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3
6
November 6, 2024
They refused to pay CASCO insurance. Because of his greed. The amount of damage is 300 rubles. Yes, I lost more from messing with the cops to apply to this "insurance company" And they also refused. Avoid this office. There is experience in CASCO from other offices and there were no such problems there
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1
July 28, 2023
It's absurd.... overpaying money for promises, choosing a package with the opportunity to visit various centers, you get rejected. The excuses are absurd (the girl considers herself competent to diagnose you on the phone, and make a decision, and determine the "duration of the disease"). The manager is very busy, according to the call center, "he will dial when he dials." At 9 a.m., the head is not in place (subordinates substitute well). It is better to overpay and go to competitors than to waste energy on clarifying the relationship when you are ill
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15
3
December 17, 2023
An insurance company with a wide range of insurance services. They offer health insurance services (this type of insurance can be arranged through MTBank), movable and immovable property.
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1
7
July 13, 2023
Do not be fooled by their beautiful fairy tales, a divorce for money with a beautiful refusal to pay, so that it does not happen to you, having improved your health at the beginning of the year, you could not get on the table to surgeons, but trouble comes unexpectedly, the operation was performed, the doctors put on their feet, we praise and my gratitude and remembered that I insured my health from the unfortunate I collected the documents and sent them, for more than a month they thought and sent a letter that the payment was refused, do you see that my operation is not an accident, but a systematic preparation for it
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12
3
November 3, 2023
Insured for a trip abroad. I had a very sore throat, I couldn't swallow. There was no temperature. The insurance company said that this is an easy insurance case. And they're not going to call a doctor. I had to rush through the rest with a throat. So take out insurance. We will not contact this company again.
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4
1
March 5, 2024
Thank you for prompt compensation of damages.After the meeting with the moose, the car was recognized as lost.The main time was spent waiting for a certificate from the traffic police and determining the suitable car remains.
The company is reliable.I recommend.
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