Health

Health insurance is a form of insurance that allows you access to premium medical services whenever your health requires it.

Health insurance does not involve additional costs when you access medical services within the network of partner clinics, which includes over 1,200 units nationwide.

It can be taken out either by an individual for themselves and/or their family, or it can be granted to employees by a company as a non-wage benefit.

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) and:

• 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 the case of group health insurance, exclusions are extremely limited compared to individual insurance. Services related to screening, fertility, genetics, and cosmetic services may be excluded or limited. Depending on the insurance company, certain types of chronic or pre-existing conditions may be limited or excluded, but there are also solutions offering full coverage for all types of conditions.

Group health insurance does not involve a medical assessment.

HOW IS AN INSURANCE TAKEN OUT?

Following the fill-in of a questionnaire, a Safety Broker consultant can recommend you from a wide range of insurance offers an optimal solution for your need.

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.

Based on your insurance policy, 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.

Teodora Rînduroi

Health Insurance Sales Director - 0752.08.91.82