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- OPERATIONAL RISKS ANALYSIS
We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.
- LIFE & HEALTH INSURANCE
We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.
- IDENTIFICATION OF INSURANCE NEEDS
We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.
- Health Insurance advantages for Employees and Employers in Estonia
FOR AN EMPLOYEE: Opportunity to visit a specialist without a referral Allows the choice of a suitable doctor and treatment facility Private care costs are covered, which is not included in the State Insurance Fund Decreases personal expenditures due to health Quick and confidential – health information is not share with the employer FOR AN EMPLOYER: Helps enhance the reputation of an employer on the work market Certainly, gives an advantage in recruitment Increases the satisfaction of the existing workers and helps decrease employee turnover by giving a picture of a caring employer Helps support the upkeep of a worker’s productivity and reduces the number of days that an employee is unable to work The employee can choose a suitable doctor and treatment facility The employee can deal with health concerns more quickly and economically Employees with a positive mindset are more open and adjust to changes more easily WHAT IS CORPORATE HEALTH INSURANCE? Health insurance is the most valued social guarantee on the labor market that an employer can offer an employee. Health insurance for employees is an insurance voluntarily taken out by an employer in the interests of its employees to supplement the state health insurance system. This is a great added value for employee motivation. Studies show that employees value an employer who cares about their health and well-being. In addition to holidays and flexible working hours, health insurance, life insurance and personal accident insurance have also become important. Health insurance allows the company's employees to use paid medical services at no additional cost or at a lower cost (depending on the insurance program) and to get necessary medical treatment faster. Health insurance for employees is suitable for companies of different sizes in different sectors. EMPLOYEE HEALTH INSURANCE ALSO COVERS DENTAL Corporate Health Insurance also covers dental care for the company's employees, under which the company insures its employees in case they incur regular dental expenses or dental expenses caused by an accident. Dental Insurance is available only as part of the Corporate Health Insurance program. WHAT RISKS ARE COVERED? The employer has the opportunity to choose which programs and amounts are included in the Health Insurance Contract. For example, partially or fully reimbursed paid medical services can be added, a certain amount of limit can be set within which the medical services can be used. Employers can also choose to include compulsory health examinations of its employees in the Health Insurance Contract. INSURANCE TERRITORY Depending on the wishes and needs of the employer, the territory of the Corporate Health Insurance may be the Republic of Estonia or the Baltic States. In case of international insurance solutions (Morgan Price Health Insurance: Standard Plus, Comprehensive, Premium) - Europe, Worldwide except USA, China, Singapore and Hong Kong or Worldwide. FAMILY MEMBERS Some health insurance solutions also extend to the employee's family members.
- Criminals hunt for Lexus and Toyota Land Cruiser SUVs
Kristjan Tommingas, head of the Anti-Drug and Organized Crime Service of the Lõuna Police Prefecture, said that despite the arrest of Lithuanian citizens who were caught stealing cars in Tartu County in September, Lexus and Toyota Land Cruiser SUVs continue to be hijacked in South Estonia. “Until now, criminals were interested in 2018-2022 SUVs. In the last month alone, several Land Cruisers and Lexus SUVs have been stolen from different parts of South Estonia, and another Lexus SUV has also been attempted to be stolen. All these events took place under the cover of night,” said Tommingas. The police opened a criminal case to investigate all these thefts. “The data collected so far gives the police grounds to once again suspect the hijackers from Lithuania of committing these crimes,” says Tommingas. Tommingas added that crime police officers are actively working to prevent car thefts and catch car thieves, but people can also do a lot to protect their vehicles. “First of all, we ask all owners of SUVs of this particular brand, as well as all other members of the society, to be vigilant and report to the police if they notice suspicious movements or strangers and cars near their homes,” the policeman says. According to him, the criminals, and these are men aged 20-40, can travel in ten-year-old cars with British or Lithuanian numbers. “It is also known that criminals carry out preliminary work and therefore can, at night, both on foot and on electric scooters, move to various places where Lexus and Toyota Land Cruiser SUVs are parked. They can hide their faces either with a mask or some other piece of clothing,” Tommingas listed dangerous signs that should be immediately reported to the police by calling 112. Marie Kartau, the prosecutor of the Luna prosecutor's office, explained that similar hijackings are also taking place in other European countries. “In turn, the experience of other countries shows that hijackers may not be limited to Lexus and Land Cruiser SUVs, since, for example, in Belgium there has recently been a wave of Peugeot 3008 thefts. how they change their activities so that we can prevent the commission of such crimes. Unfortunately, the activities of law enforcement agencies are not enough, and everyone can stand up for their personal property. In addition to protecting your property, cooperation with neighbors helps prevent theft. If you spot suspicious vehicles or people, you should not just keep that information to yourself, but talk to your neighbors or the police about it,” Kartau said. According to Tommingas, in recent cases of theft, it has been observed that in addition to extending the signal of the key, other theft methods and devices are used, so just placing the key in a metal box or safe does not help to prevent the described cases. “Therefore, we recommend parking such SUVs at night in such a way that access to the car is difficult for unwanted people. With multiple cars in one household, one might consider having a luxury SUV blocked at night by another family's car, or using some other physical barrier to keep the car from leaving the yard, such as a locked garden gate," the police officer explained. adding. that an additional immobilizer or secret switch can also help provide additional security. “It is also known that many cars already have an additional function from the factory that can be activated by combining different buttons on the remote so that the signal between the car and the key is completely interrupted for the right time,” said Tommingas, urging vehicle owners to contact their car dealer for more detailed instructions and recommendations. Sourсe: Postimees / translated by Inpro Insurance /
- Working from home or from an office?
Since the pandemic employees are gradually being reintroduced to the office setting. There have been a lot of talks lately about the benefits of remote work. Proponents of working from home argue that it is more productive and allows employees to have a better work-life balance. But is this really true? Or are there some drawbacks to working remotely that people don't often talk about? In this blog post, we will explore the pros and cons of both remote working and working in an office setting. Pros and cons working from home Some people argue that working from home is more productive because there are no distractions from colleagues or office politics. You can also create your own ideal work environment, which can boost productivity. And if you have young children, working from home allows you to be more flexible with your schedule and spend more time with them. Employees are happy with these benefits of working from home. One of the biggest drawbacks is that you can feel isolated and lonely when you work from home. It's easy to feel cut off from the rest of the world when you're stuck in your house all day. And without face-to-face interaction with colleagues, it can be difficult to build relationships and feel like part of a team. you may feel like you are missing out on networking opportunities that would be easy to come by in an office setting. Another downside of working from home is that it can be harder to stay focused and motivated. It's easy to get distracted by things like the TV or household chores. And without the structure of an office environment, some people find it more difficult to stay on task. Pros and cons working from an office One of the advantages of working from the office is that it allows for face-to-face interaction with colleagues. This can help build relationships and foster a sense of teamwork and community. Those spontaneous conversations over coffee or while passing in the hallway are hugely valuable. These moments can provide people with context about the business, new ideas, collaboration opportunities and potential insight into where work overlap is occurring. Additionally, being in an office setting can help some people segment work from personal life. Even if you love your job, it’s not healthy to feel like you’re working every waking hour. When you’re physically in the office, it’s easier to clock out at the end of the day and enjoy your personal time. Having a dedicated office space can also be helpful for staying focused and motivated. It can be difficult to stay on task when you’re working from your couch or kitchen table. Having a separate space for work can help you get into the right mindset and be more productive. It is often said that not all jobs are suitable for homeworking, but it is also true that not all homes are suitable for jobs. Hybrid Another possible solution is the hybrid workplace model, which is when employees split their time between working from home and working in the office. This can be a good solution for people who want the best of both worlds. For example, they can work from home two days a week and then come into the office for three days. Employees have the flexibility to agree with their manager on which days work best for them. Many companies have introduced hybrid working in order to try and balance the pros and cons of both remote and office working. This allows employees to have the best of both worlds, as they can enjoy the flexibility of working from home with the benefits of face-to-face interaction when they come into the office. In other words, a hybrid workplace offers flexibility, for those employees who want it. It attracts a new generation of workers who demand it. The hybrid workplace boosts employee happiness and cuts down on costs. This change isn’t on the horizon; it’s already happening. What’s best? There is no one-size-fits-all answer to this question. It depends on your individual needs and preferences. If you enjoy working in a team setting and need the structure of an office environment to stay focused, then working in an office may be the best option for you. But if you prefer to work independently and value the flexibility that working from home offers, then remote work may be a better fit. Ultimately, it's up to you to decide what type of environment will allow you to be the most productive and happy. At Inpro Insurance, we do hybrid. Do you think that remote work is a good solution for companies and its employees? Do you think that it has more advantages or disadvantages? What are your thoughts on hybrid working, is this the new way forward? Let us know in the comments!
- Corporate Health Insurance | Estonia | Inpro Insurance
Health Insurance REQUEST QUOTE ASK FOR AN OFFER Are you an employee-friendly and caring employer? Do you want to support the retention of employees' ability to work and thereby reduce the number of incapacity for work days? Is it important for you that your employees receive affordable and faster solution to their health concerns? Ask for an offer now, write to us: email@example.com send an inquiry using "request quote" button or contact our specialists directly . We offer an individual approach to each client, offering a Corporate Health Insurance solutions according to the requirements and possibilities of a specific company. TAX REDUCTION From 2018, entrepreneurs will be able to pay health insurance contract insurance premiums up to € 100 per quarter (400 € per year) per employee tax-free. ADVANTAGES FOR AN EMPLOYER Helps enhance the reputation of an employer on the work market Certainly, gives an advantage in recruitment Increases the satisfaction of the existing workers and helps decrease employee turnover by giving a picture of a caring employer Helps support the upkeep of a worker’s productivity and reduces the number of days that an employee is unable to work The employee can choose a suitable doctor and treatment facility The employee can deal with health concerns more quickly and economically Employees with a positive mindset are more open and adjust to changes more easily ADVANTAGES FOR AN EMPLOY EE Opportunity to visit a specialist without a referral Allows the choice of a suitable doctor and treatment facility Private care costs are covered, which is not included in the State Insurance Fund Decreases personal expenditures due to health Quick and confidential – health information is not share with the employer INDICATION HEALTH INSURANCE FOR EMPLOYEES REQUEST QUOTE Pakett Inpro 20 Pakett Inpro 33 Pakett Inpro 40 Bronze Silver Gold Compulsory med. examination of employees 100 € 150 € 200 € Optics (glasses and contact lenses) 50 € 100 € 200 € Vaccination (influenza, encephalitis, hepatitis) 100 € 100 € 200 € Paid outpatient services 3 000 € 4 000 € 5 000 € Paid in-patient services 3 000 € 4 000 € 5 000 € Rehabilitation services 250 € 300 € 500 € Medications 50 € 100 € 150 € Dental care 200 € 250 € 500 € Insurance Compensations a year 6 750 € 9 000 € 11 750 € Insurance premium (paid monthly) x12 € 20 33 € € 40 This is an indicative premium rate, which depends on the specifics of the company, the number of employees and the average age of the employees. The deductible rate depends on the package and can be 0% -20%. The higher the deductible, the lower the insurance premium. For more information, contact our specialist. CONTACT OUR SPECIALISTS FOR MORE INFO Specialists Arina Mesropjan Phone: +372 5883 8533 Email: firstname.lastname@example.org Terri Tamm Phone: +372 5883 8933 Email: email@example.com Gerli Lees-Leesma Phone: +372 5883 0803 Email: firstname.lastname@example.org CORPORATE HEALTH INSURANCE Health insurance is the most valued social guarantee on the labor market that an employer can offer an employee. Health insurance for employees is an insurance voluntarily taken out by an employer in the interests of its employees to supplement the state health insurance system. This is a great added value for employee motivation. Studies show that employees value an employer who cares about their health and well-being. In addition to holidays and flexible working hours, health insurance, life insurance and personal accident insurance have also become important. Health insurance allows the company's employees to use paid medical services at no additional cost or at a lower cost (depending on the insurance program) and to get necessary medical treatment faster. Health insurance for employees is suitable for companies of different sizes in different sectors. EMPLOYEE HEALTH INSURANCE ALSO COVERS DENTAL Corporate Health Insurance also covers dental care for the company's employees, under which the company insures its employees in case they incur regular dental expenses or dental expenses caused by an accident. Dental Insurance is available only as part of the Corporate Health Insurance program . WHAT RISKS ARE COVERED? The employer has the opportunity to choose which programs and amounts are included in the Health Insurance Contract. For example, partially or fully reimbursed paid medical services can be added, a certain amount of limit can be set within which the medical services can be used. Employers can also choose to include compulsory health examinations of its employees in the Health Insurance Contract. INSURANCE TERRITORY Depending on the wishes and needs of the employer, the territory of the Corporate Health Insurance may be the Republic of Estonia or the Baltic States. In case of international insurance solutions (Morgan Price Health Insurance: Standard Plus , Comprehensive , Premium ) - Europe, Worldwide except USA, China, Singapore and Hong Kong or Worldwide. FAMILY MEMBERS Some health insurance solutions also extend to the employee's family members . Contact our specialists by email: email@example.com or phone: (+372) 383 8118 Morgan Price Health Insurance ASK FOR AN OFFER Inpro Insurance Brokers OÜ is an official intermediary of Morgan Price International Healthcare Ltd. insurance products in Estonia. Morgan Price International Healthcare Ltd. is a member of the Association of International Medical Insurance Providers . As one of the corporate health insurance solutions, Inpro Insurance offers three Morgan Price insurance plans: Standard Plus , Comprehensive and Premium . You can select "European Countries", "Worldwide except US, China, Singapore, Hong Kong" or "Worldwide" as the health insurance region. REGION 1 - EUROPE Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, Greece, Greenland, Hungary, Iceland, Ireland, Mediterranean islands, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia (west of Urals), Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, Vatican State REGION 2 - WORLDWIDE (excl. USA, China, Singapore and Hong-Kong) REGION 3 - WORLDWIDE Tervisekindlutus - ravikindlustus - Inpro Insurance Brokers HEALTH CHECKS We have included cover for annual health checks on our more comprehensive plans as we feel prevention is as important as treatment. avikindlustus - Inpro Insurance Brokers EMERGENCY ASSISTANCE All of our plans include access to our 24 hour multi-lingual assistance helpline, 365 days a year. We will provide the hospital with verification of your policy details and if necessary, a treatment guarantee. We will also pay the provider directly for any in-patient treatment costs incurred. avikindlustus - Inpro Insurance Brokers TREATMENT ANYWHERE Freedom to choose which facility you use for your treatment within your area of cover. avikindlustus - Inpro Insurance Brokers WIDE RANGING COVER We cover in-patient and day-patient hospital treatment costs, as well as a wide range of comprehensive out-patient benefits. In addition, there is cover available for routine dental treatment and routine maternity costs. All our plans include evacuation benefits as standard in case you need emergency in-patient treatment which cannot be given to you at your point of need. ASK FOR AN OFFER Morgan Price Standard Plus In-patient and day-patient treatment Evacuation and repatriation Treatment for cancer Cash benefits Home country cover excluding USA Treatment for chronic conditions Out-patient services Routine maintenance for chronic conditions Diagnostic tests, x-rays and pathology Emergency treatment outside area of cover Organ transplants Routine health checks Dental Routine maternity Infertility treatment TOTAL Insurance Compensations a Year 750 000 € Insurance premium a month (x12) 75 € Morgan Price Comprehensive 1 000 000 € 100 € Morgan Price Premium 1 500 000 € 125 € This is an indicative rate, which largely depends on the age of the insured person and also on the number of employees in the company. The deductible for the above indication is 0%. For more information, contact our specialists. "I want to take the opportunity to thank you and your entire team for the quick and good service concerning my request for approval of treatment costs. Due to your staff, I got a quick confirmation for cost coverage of necessary investigation and to my surprise, the reimbursement of my bill from my first visit in hospital was already in my account within 5 days. Great" "Thank you for your assistance. Having never dealt with this kind of situation before it is a little challenging. I am very impressed with the way it had been handled by Morgan Price and cannot thank you enough for your prompt replies and support" "You can tell the insurer that the Island Hospital, Penang were very very impressed with their professional attitude and their prompt payments. The Island Hospital doctors and accounts department staff told me that it is by far the best experience they have ever had with an overseas insurer and it was a pleasure to deal with them" "I can confirm I have been very happy with the Morgan Price service. Unfortunately, I have had to claim a lot over the last year and the service has been excellent. I would be more than happy to renew with Morgan Price"
- Casco Price Quote | Inpro Insurance
- Insurance for E-Residents | Estonia | Inpro Insurance
Insurance solutions for e-residents (Estonia) REQUEST QUOTE ASK FOR AN OFFER As soon as your request is received, we will analyse the risks associated with activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: firstname.lastname@example.org or send an inquiry using "request quote" button. We offer an individual approach to each client, offering insurance solutions according to the needs, requirements and possibilities of each specific e-resident company . Estonia is the first country in the world which offers e-Residency, a government-issued digital identity and status that provides access to Estonia’s transparent business environment: a new digital nation for the world. E-resident entrepreneurs from all over the world can start an EU-based company and manage business entirely online from anywhere in the world. There are quite a few e-residents among Inpro Insurance 's clients and we know their insurance needs very well. Most of our clients work in the IT sector or provide various kinds of consulting services , but there are also industrial companies, Amazon sellers , accounting and legal companies. PROFESSIONAL LIABILITY INSURANCE (Professional Indemnity) Professional liability insurance is for those undertakings and undertakings which operate in a specific field and whose field of activity requires specific professional training, qualifications, attestation, or regulation of a specific professional association and umbrella organization. Professional liability insurance can protect mainly those professions where the damage is not caused by direct activities (construction, hairdressing, etc.), but by errors in calculations, non-observance of deadlines, or other errors for which the injured party does not have the ability and competence to prevent damage. The selection of compulsory professional liability insurance covers the following professional activities and activities: Architects and designers Law and legal aid offices Auditors, accountants, trustees in bankruptcy IT companies Consultancies REQUEST QUOTE GENERAL LIABILITY INSURANCE General civil liability is a type of liability insurance that covers general, legal liability directly related to economic activities, both to third parties and to its customers, in case of personal injury or property damage. For their clients - a client slipping in the office, the client's property destroyed during the repair work, the tenant's office equipment damaged by a broken water pipe, unexpected damage to the customer at the construction site, etc. For third parties - for example, snow falling from the building used for the site, damage to the office downstairs caused by the rupture of the pipeline, property of the person damaged by the construction activity outside the construction site, etc. REQUEST QUOTE PRODUCT LIABILITY INSURANCE Product liability is a specific type of liability insurance that is required if a defect in the production process or activity occurs only after the product, service, or activity has been handed over to the consumer. Losses are also covered if the product consumed by the company damages a third party. Operational and product liability covers the following products and services: Wholesalers and retailers whose actions or errors in the safety and content of a product may lead to harm to the consumer of that product Fuel dealers whose poor quality fuel causes damage to the vehicle Car repair shops that need protection if the repaired vehicle shows the damage that has actually started from the repair work after it has been handed over to the customer Catering operators whose food offered to consumers may cause harm REQUEST QUOTE EMPLOYER'S LIABILITY INSURANCE Employer's liability insurance is for those companies that do their best to ensure that nothing happens to their employees while working. However, the possibility must be taken into account that one or another bad coincidence may cause damage to the employee in the performance of his / her duties due to the occurrence of a risk falling within the sphere of influence of the employer. Employer's liability insurance covers the employer's liability in the event of an employee's injury. Occupational diseases may also be included under this insurance cover. REQUEST QUOTE DIRECTORS AND OFFICERS LIABILITY INSURANCE The purpose of the Directors and Officers Liability insurance is to provide cover for a company’s executives against claims arising from their decisions taken. The persons insured include natural persons , i.e. the company’s management board members, executives, supervisory board and other persons related to management decisions. And the company against whom a claim is filed in connection with a management board member’s activity is also insured. Proved damage and legal expenses are compensated for. Why should I take out Directors and officers liability insurance: It covers the personal financial risk of a member of the management board where the latter is liable for their activity with their personal property It helps the company find funds for covering damage arising from managerial mistakes (a claim filed against a member of the management board may significantly exceed the latter’s personal assets) It provides an opportunity to raise the value of the management board member motivation package It gives a member of the management board a sense of security when making decisions and courage for taking risks It allows covering legal aid expenses REQUEST QUOTE