All insurance products

Pick a section to see a short summary + full block below. Motor is online (Green Card, OSAGO Russia). Others are broker-assisted.

Medical insurance

In Kazakhstan it’s crucial to separate OSMS and DMS. OSMS is the baseline state system with defined services and rules. DMS is access to private clinics under a contract, with 24/7 assistance and a clear care pathway. We act as a guide: selecting a plan, clinic network and verifying exclusions.

Sections:#medical

OSMS vs DMS — in brief

OSMS
state system, defined list of services and routing rules
DMS
private clinics under contract + assistance + speed/service
Broker’s role
select clinic network, coverage, limits, and verify exclusions

Voluntary Medical Insurance (DMS)

Access to private healthcare for corporate staff and individual clients: clinics, diagnostics, and a clear assistance-driven process.

CorporateFamily24/7 Assistance

Which clinics you can visit

  • Almaty: Mediker, Interteach, SEMA Hospital, Rahat Medical Center, International Medical Center (IMC) and others.
  • Astana: Interteach, Mediker, Green Clinic, Premier Med Clinic and others.
  • Other Kazakhstan cities: network clinics and partner centers (we tailor to staff/family location).
  • Important: the exact list depends on insurer and package — we confirm it in the proposal before payment.

What’s included

Outpatient care
GP and specialists by appointment
Diagnostics
tests, ultrasound, X-ray, MRI/CT — per plan
Emergency
ambulance/hospitalization — per insurer terms
Dental
often as an option or separate limit
Medicines
sometimes included, often limited/by prescription

Package scope depends on plan and limits. We provide 2–3 tiers (economy/standard/premium) and explain pitfalls upfront.

Key questions — honestly

  • Chronic conditions: often NOT covered in the first year, but exceptions exist — we find and confirm them in writing.
  • Appointments: usually via 24/7 assistance, so you don’t fight registries yourself.
  • DMS for individuals: sometimes harder than corporate — we have ready family/individual packages not obvious on insurer websites.

Personal Accident Insurance

Not “treatment” — a cash benefit for injury/fracture/disability. Works for sports, hazardous jobs and everyday life.

Cash benefitSport/work24/7 or work-only

Who it’s for

  • Athletes and kids in sports clubs/competitions
  • Hazardous occupations and industrial risks
  • Families: everyday injuries (ice, burns, road accidents)
  • Employers as part of benefits package

How it works

Benefit
a fixed % of the insured sum per benefit schedule
Triggers
injury/fracture/disability/death — per terms
Coverage mode
work-only or 24/7 — chosen at issuance
Sports
sports activities require correct options (we verify)

Important: Accident insurance doesn’t replace DMS. DMS organizes care; accident pays cash for rehab/costs/lost income.

About the benefit schedule

In accident insurance the core is the benefit schedule and definitions. We compare wording so typical injuries pay as expected, not “at discretion”.

Travel Insurance (VZR)

For visa and trips: overseas medical expenses + assistance, with options for active sports and travel risks.

VisaAssistanceOptions

Who needs it

  • Tourists and families
  • Business trips and assignments
  • Students studying abroad
  • Anyone who needs the policy to be accepted (consulate/employer)

If you get sick abroad

  • 1) Call the assistance number in the policy — the key rule.
  • 2) Follow the route: clinic/doctor/hospital as directed by assistance.
  • 3) Don’t pay out of pocket without approval (may affect reimbursement).
  • 4) Keep documents: invoices, medical notes, prescriptions.

Common add-ons

Visa
Schengen/US/China compliant plans — we select correctly
COVID-19
depends on plan/country — we verify before purchase
Active sports
ski/diving/scooter often requires extra cover
Baggage/flight
delay/loss options as service risks
Dental
usually emergency-only with a limit

We confirm country, dates, visa type and activities upfront — otherwise a policy may be formally valid but practically useless.

Need a tailored offer?

Send a request — we’ll clarify the case and propose options.

Kazakhstan, Almaty, Auezov st. 14A • Mon–Fri: 11:00–19:00

All insurance products — Dionis Insurance Broker