We try to plan our lives. We know what we will do today, how we will spend the weekend, where we will go on vacation. Unfortunately, every plan, even the best one, can be ruined if some unforeseen event happens that is beyond our control. It may turn out that we have to wait for months to visit a specialist, to be admitted to a clinic, and expenses on medicines will exceed our budget. It is precisely because of these unforeseen situations that each of us should have health insurance.
That’s why while planning the future it is worth taking care of health insurance for yourself and your family. Nothing can surprise us with it. And even if we do, we will have guaranteed funds for
care of specialists
purchase of drugs or rehabilitation equipment
and even credit repayment – if, for example, illness or accident deprives us of the possibility of working
Our standard of living will not decrease, we will avoid stress related to finances, which may delay our recovery, and we will see queues to public health care institutions only on television. In the event of our death, our loved ones will have a guaranteed benefit payment.
What is more important, each of us can afford insurance. It’s enough to pay a daily premium of PLN 1.50, and we’ll ensure ourselves a one-time payment of up to PLN 300 thousand.
Why is it worth to take out an insurance policy?
It is enough to look at the statistics of accidents, which happened last year:
32 967 incidents on the road
39 778 injured
11 200 seriously injured
87 622 accidents at work
Any of us could have been involved in one of these incidents. Also the probability of falling ill is not small:
400,000 thousand Poles suffer from cancer
40 percent of those hospitalized are people with heart and circulation problems
In 2014, 1.2 million people benefited from private medical care under insurance, which was a 42 percent increase compared to the previous year. According to the Polish Insurance Association, in 2015 the number of insured increased to more than 1.4 million people or 19 percent more than in the same period last year.
Private medical care is mainly associated with group insurance offered by an employer, but it turns out that more and more private individuals buy individual health insurance for themselves and their loved ones. In 4 years, the number of people covered by individual medical insurance increased almost eightfold from 35 thousand in 2012 to 272 thousand in 2015.
What is health insurance?
In the shortest and simplest terms, it is protection in case of an unforeseen event, access to private treatment, specialist care – without having to wait several months for an appointment, support in rehabilitation. It guarantees not only care, but also funds for the purchase of drugs or equipment. More and more of us reach for it, because, according to the statistics, we already cover about 33 percent of medical costs out of our own pocket. Fortunately, we no longer have the slightest problem with finding an alternative to the National Health Fund. Most often we can choose from several insurance options, ranging from the most basic (and at the same time – the cheapest) to comprehensive (the most expensive). more about what is health insurance ”
Types of health insurance
outpatient, which includes the possibility of consultation with specialized doctors, a wide range of diagnostic tests and outpatient treatments specified in the contract (those that do not require a hospital visit).
The insurance also includes hospital care, which aims to reduce the waiting time for a planned surgery or operation (e.g. in the field of surgery, gynecology, laryngology, urology, ophthalmology, cardiology, or orthopedics) even to about 14 days, and for specialist advice – to about a week. Often the insured can also choose the attending physician, have access to individual nursing care, lie in a single or double room with higher standards.
More about the types of health insurance ”
How to choose health insurance?
Each of us has a job, passions, family or friends with whom we actively spend time. An accident and other unforeseen events may knock us out of our rhythm. That is why when choosing health insurance you should choose a comprehensive offer, which not only provides immediate assistance after an accident, but also guarantees benefits in case of complications later on. If we want to protect ourselves in case of an accident, we can choose from three insurance options depending on our needs and expectations. We can guarantee the payment of benefits when an accident prevents us from working, in case of a health impairment and when we are hospitalized as a result. The sum insured can reach up to PLN 200 thousand. More about how to choose health insurance “