Although a sick leave certificate is a throwback to the past, your employer is not entitled to get back the money from the Social Security Fund for the sick leave compensation paid to you. Besides, it verifies your excuse for being absent from work, especially if you were sick for a long time. Here are some steps you can take to avoid problems with getting a sick leave certificate if you have health insurance.
Last year Ukraine’s insurance market faced two major trends. The first one was associated with overall decline of economy due to ongoing conflict in the East of our country and sharp depreciation of national currency. The second one, though, came down to the fact that the need for structural reforms became urgent and obvious which, in its turn, gave start to new market developments.
In terms of insurance business opportunities in Ukraine are quite extensive given over 45 mln of population and the biggest market in Eastern Europe with low penetration of the insurance services. Latest research shows that in 2014 the share of assets of insurance companies doing business in Ukraine in the country’s GDP accounted for only 3.2 % compared to the same indicator in other countries such as Great Britain (96.5 %), the USA (45.2 %), Japan (66.9 %), France (63.0 %) etc.
Considering the recent developments in logistics sphere which have been leading to market consolidation a lot of operators are looking into possible ways of transferring some of their risks to the insurance companies. However it is essential that the insurance product be chosen accurately with regard to the extent of coverage, as well as with regard to justified cost.
There is myth quite popular in our country that “Ukraine’s insurance doesn’t work”. I’ve been handling insurance claims for a pretty long time already. In my experience there has been not a single unjustified denial.
The past two years have seen our state as one of the leading newsmakers, with the world’s media displaying breaking headlines uncovering more and more of dramatic twists and turns in our nation’s history.
Most probably you ran across wrecked cars carrying a vivid banner which said “Insured by…” more than once. In Ukraine car owners choose to express their indignation in such a creative way after being denied insurance indemnity. While the majority of disappointed clients fully hold the insurance company accountable for their misfortunes, they would be quite surprised to find out that quite many times they were the ones to blame. What are themost common mistakes that entail indemnity denial?
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