Who is the best he alth policy for? More and more often we use private clinics offering shorter appointments and a high standard of medical assistance. Unfortunately, these services are expensive if purchased separately. Therefore, a much better solution is to purchase a medical benefits package. One of the options offered is a he alth policy.
Consultationof a specialistcosts PLN 100-150, and diagnostic imaging costs PLN 400-600. Therefore, more and more often we decide on packagesof medical services , which minimize the costs of medical services. We can choose betweenmedical insuranceandhe alth insurance . What is a policy and what to pay special attention to when choosing it?
What are he alth policies
Provide relatively cheap he alth care in return for monthly premiums. Insurance companies sell them. He alth policies can be added to another type of insurance, such as life insurance, or can be self-insurance. Some of them cover a narrow range of services and a small number of medical facilities, while others are very wide and offer the possibility of using he althcare in multi-clinics throughout Poland. It also happens that the insurer reimburses us for treatment costs in any clinics or hospitals with which it does not cooperate. Then, however, we have to pay for the visit ourselves, and the money will be returned to us upon presentation of the bill. The possibility of using many clinics is a great advantage of the he alth policy. The amount of the monthly premium depends not only on the scope of medical services selected by us, but also on the current he alth condition, age, family history of diseases, lifestyle, gender (it is more expensive for women due to the costs of pregnancy) and whether he alth insurance it is individual or family type.
Unfortunately, the number of offers for people over 60 who would like to take out such a policy is small. For seventy-year-olds, there aren't any!
How much can a he alth policy cost?
A he alth policy in the basic version can cost us about PLN 50 per month. It includes visits to a family doctor, several specialists, a dental check-up,
outpatient assistance and basic diagnostic tests.The monthly fee of PLN 250-450 allows you to use the help of doctors of all speci alties, home visits, dental and hospital treatment, rehabilitation, a wide range of
diagnostic tests and outpatient procedures, and hospital treatment. If we cannot afford a subscription or policy, let's carefully review the offers of private clinics. Some of them have signed contracts with the National He alth Fund, which will allow us access to the most modern medical equipment and highly specialized treatments.
What to look for when buying a policy
First of all, the scope of services provided, the number and location of medical facilities at your disposal and the amount of the premium. For this purpose, it is worth comparing the offers of various insurance companies (this will be facilitated by the website: www.zdrowiedirect.pl). If our policy covers hospitalization, we will get a list of hospitals we can use. But be careful! Not all medical procedures can be performed in all of them, because the insurance company may have signed a contract with one for ophthalmic treatment and the other for orthopedic treatment. So let's read the policy conditions carefully.
monthly "Zdrowie"