Insurance Details

The health insurance is an insurance form allowing one access to premium medical services whenever one’s health condition requires this.

The health insurance does not involve additional costs when one accesses the medical services in the network of the partner clinics, nationally over 450 units.

BENEFITS OF THE GROUP HEALTH INSURANCE

Companies that offer this type of benefit to their employees have noticed improvements, including:

  • Cost efficiency due to tax deductibility (400 euros/year/employee)
  • Improvements in retention, motivation, and implicitly increased employee engagement
  • Lower staff turnover, and therefore lower hiring/recruitment costs
  • Fewer sick days

If you work for a company that offers private health insurance, you can get:

  • Access to all private clinics and hospitals in Romania, no matter what kind of doctor you need
  • Coverage of costs in the event of hospitalization and private surgery
  • The possibility of scheduling complex medical services (including MRI, CT, laboratory tests) without waiting time

Group products are modular and in some cases may include (without being limited to the examples below):

  • prevention programs, medical recovery, birth-related services and pregnancy monitoring, wellbeing programs
  • access to all partner clinics in the insurance company's network (with direct settlement of costs) and/or non-partner clinics (with reimbursement of costs).

EXCLUSIONS

In case of a health insurance, the exclusions are extremely limited, they can appear in the case of the chronic or preexistent conditions, following a medical assessment.

The group health insurance does not imply medical assessment.

HOW IS AN INSURANCE TAKEN OUT?

Based on simple, group-specific information, a Safety Broker consultant can recommend the best solution for your needs from a wide range of insurance offers.

For individuals, medical history is important and a medical assessment will be carried out. Following this, there may be additional premiums, exclusions, or in some cases even refusal of insurance coverage.

TAX PROVISIONS

Deductibility of health insurance: Law No. 227/2015 on the Tax Code; Official Gazette of Romania No. 688/September 10, 2015: €400/year/employee.

What do I do in case of damage?

Based on your health insurance, you can access medical services within the network of partner clinics through direct settlement, according to the specific flow of each insurer: call the call center for pre-authorization or obtain approval directly at the partner clinic.

If you access medical services outside the network, based on a request and supporting documents, a reimbursement file will be opened for partial or total recovery of expenses, depending on the provisions of your package.

 

Damage Call Center: 031 9660

Teodora Rînduroi,

Health Insurance Sales Director - 0752.08.91.82

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