dms-tut.ru
RegisteredAbout the projectWebsite dms-tut. ru positions itself as an online agency for the selection and registration of voluntary health insurance (VHI) policies. The project operates in two main...
dms-tut.ru Website screenshot
Website Description
About the project
Website dms-tut. ru positions itself as an online agency for the selection and registration of voluntary health insurance (VHI) policies. The project operates in two main segments: for individuals wishing to insure themselves or their families, and for legal entities interested in corporate programs. The main task of the resource is to aggregate offers from leading insurance companies in Russia in a single calculator, allowing the user to select a program without visiting offices.
The platform claims to be the official agent of all insurance partners presented in the catalog. This means that the prices on the site correspond to those offered by the insurance companies themselves, and the agents’ commission is formed from the remuneration paid by insurers for attracted clients. Thus, the program selection service is formally free for the buyer.
Main directions
The project offers a wide range of voluntary health insurance programs, covering more than 4,000 clinics in 370 cities of Russia. The site's database includes both private networks and departmental institutions. The user can choose options for filling the policy: from basic outpatient care to complex packages with emergency hospitalization, dentistry and a doctor’s home call.
For legal entities, the emphasis is on tax optimization and staff loyalty. The cost of corporate voluntary health insurance starts from 7 thousand rubles per year, which allows you to insure both one employee and large teams. For individuals, the minimum amount of insurance coverage is 2 million rubles.
The website provides a detailed list of popular clinics in Moscow and the region with prices. For example, the cost of voluntary health insurance at the Lapino clinic starts from 88,300 rubles, at Volyn Hospital 1 - from 47,300 rubles, and at the Literary Fund Polyclinic - from 37,700 rubles. The networks Medsi, Chaika, Be Healthy and MedSwiss are also mentioned with branch addresses and work schedules.
Features of the site
The key function of the resource is an online calculator. It allows you to configure the policy parameters: select a region (within the Moscow Ring Road or outside the city), the gender of the insured, a specific clinic or area. The system shows the search result immediately, eliminating the need to stand in queues.
An important aspect is working with medical questionnaires. The site explains that insurance companies require you to fill out a health questionnaire to assess your risk. Indicating real diseases can lead to an increase in the cost of the policy - sometimes significantly if the risks are high. This is done to protect the insurer from losses due to pre-existing illnesses.
The site also explains the rules of the policies.VHI does not take effect immediately: it usually requires a waiting period of 10 to 15 days after the application. This is standard practice and prevents people from purchasing insurance during an acute illness. At the same time, the legislation of the Russian Federation gives 15 days for a cooling-off period, when the contract can be terminated and the money returned if during this time there were no requests for medical help.
The possibility of obtaining a tax deduction is separately noted. Citizens can return 13 of the cost of the policy by applying for a deduction for themselves and family members, the maximum return amount is 15,600 rubles per year.
Contact information
To contact operators and clarify details, the following contacts are indicated on the website:
- Phone: 8 800 777-75-19 (free call within Russia)
- Email: help@dms-tut. ru
- Operating hours: Mon-Fri from 10:00 to 19:00 Moscow time
FAQ
How does VHI differ from compulsory medical insurance?
Voluntary medical insurance allows you to be served in private and departmental clinics that are not available through compulsory insurance. This is a paid service that can be arranged either by the person himself or by the employer.
Why can’t you apply for VHI the next day?
The policy does not begin to operate immediately, but 1015 days after the application. This delay is needed to avoid a situation where a person buys insurance when he is already sick and immediately requires treatment at the expense of the company.
What diseases are not covered by insurance?
Insurance companies usually do not pay for treatment of oncology, genetic diseases, disability of groups 1 and 2, as well as alcoholism and drug addiction due to the high costs of therapy.
Is it possible to return money for the policy?
Yes, within 15 days from the date of conclusion of the contract (cooling period). The main condition is that you should not have applied for medical care under this insurance. After this period, the policy becomes non-refundable.
Why do the clinics say that they work with all insurance companies, but only one option is visible on the website?
Some clinics cooperate with insurers primarily under corporate contracts for large companies. Retail clients may not see these offers, since individual contracts are often less profitable for insurers due to the more frequent use of services by patients.
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- name: description content: Купить ДМС в Москве и регионах России, сколько стоит полис ДМС? Программы ДМС для физических и юридических лиц, оформить ДМС, узнать цену полиса.
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- property: og:title content: ДМС онлайн Калькулятор – купить ДМС для ФИЗ и ЮР лиц
- property: og:description content: Купить ДМС в Москве и регионах России, сколько стоит полис ДМС? Программы ДМС для физических и юридических лиц, оформить ДМС, узнать цену полиса.
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Whois Information
Whois Raw Data
domain: DMS-TUT.RU
nserver: ns1.beget.com.
nserver: ns2.beget.com.
state: REGISTERED, DELEGATED, UNVERIFIED
person: Private Person
registrar: BEGET-RU
admin-contact: whois.beget.com
created: 2019-12-07T20:36:46Z
paid-till: 2026-12-07T20:36:46Z
free-date: 2027-01-07
source: TCI
Last updated on 2026-08-01T01:28:01Z
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