In this category of insurance the benefit is Death and Disability funds due to illness or accident.
They are given either as an amount (eg € 50,000) or in relation to the employee’s monthly gross salary (eg 28 salaries).
Coverage funds for Serious Illness can be added as an option.
With this benefit we ensure the viability and standard of living of our employee and his family.
In addition to Basic Insurance coverage, group insurance usually includes hospital care facilities.
The program is configured as desired by the employer and of course is priced accordingly.
This means that he can choose:
It is customary to have an annual deductible amount (eg € 250).
Insured in such a program can either extend their coverage with an individual health insurance plan (to have higher coverage limits) or adjust the cost to an existing individual health plan in order to save money.
It is also possible to add the family members of the insured at a cost to either the employer or the insured himself.
In addition to Basic Insurance and Health Coverage, the employer can enrich group coverage with Primary Care coverage.
You will need to choose:
It is customary to have an annual deductible amount (eg 100 €).
The advantage here is that in addition to the network of collaborating doctors and diagnostic centers of the insurance company, the insured can make use of his personal doctors and diagnostic centers respectively.
Group contract coverage provides the initial basic coverage that is usually not enough for all your needs. For example, the usual unnual Health Care coverage range between € 10,000 – € 15,000. In addition, having an extra individual health policy, adapted to the group health policy (for example, with a big deductible amount and therefore low cost), you manage to receive huge additional coverage funds that can exceed € 1,000,000 per year.
The extension of the coverage with individual health insurance policies are usual done using a big deductible. There will be a problem if the group health program stops and also something has happened to your health that prevents you from reducing the big deductible in your individual program.
The way to deal with this risk is to turn to some companies that cover it with an extra charge. The extra coverage states that it allows us to lower our diductible without having to re-check our health.
Outpatient Programs cover a wide range of health needs, not related to hospitalization / hospital stay. For example: Medical Visits, Medical Operations, Diagnostic Tests, General Preventive Tests.
Serious Diseases are diseases or serious accidents-disabilities that change our quality of life significantly. They affect it in such a way that they make our productivity zero and at the same time greatly increase our expenses in order to deal with them. Having this coverage can cover a big part of the survival costs. A serious car accident or a stroke in many cases needs rehabilitation in special centers, outside the hospital. Diseases such as multiple sclerosis or Parkinson’s do not require hospitalization or surgery, but they do have incalculable costs at home. The reason you need coverage for Serious Illness is to cover part of the expenses required in cases where you do not go to the hospital or when you leave you need working capital for other expenses. Coverage amount is given after the onset of the disease.
Congenital Illness is a disease or illness that afflicts someone from the time they are born as opposed to acquired health problems. Group contracts are made at the will of the employer and there is no absolute. So some companies cover them normally after a certain waiting time and some do not cover them at all. You will need to ask what is going on in your case.
If you want to go to a collaborating hospital you must contact the Medical Coordination Center of your insurance company, whether it is a planned operation or emergency treatment. It is important that in case of an emergency the Medical Coordination Center informs you immediately about which contracted hospital is near you and the hospital itself on your arrival. In any case, do not forget to have your proof of certification (eg ID) with you.
The supporting documents required are: Declaration of accident or illness, original invoices for services and original invoices of the special materials used for the operation, receipts and coupons of medicines charged to the invoice of the Hospital and the discharge of the Hospital. Additional supporting documents that may be requested depending on the incident: Information note of the Hospital (for treatment in a state hospital), official translations from the Ministry of Foreign Affairs (for treatment in a foreign hospital), medical history of the hospital, original Health booklet.
To carry out your annual check up, you must first contact your insurance Customer Service Call Center. The center will give you the necessary guidance, as you can do it and will inform the hospital institution accordingly.
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