Voluntary health insurance funds

Voluntary health insurance is provided on the basis of the concluded between the health insurance companies and the respective persons /patients/ contracts related to the financial provision of certain health services and goods against payment of health insurance premiums.

Voluntary health insurance can be provided through reimbursement or through subscription services. Both forms of voluntary health insurance are based on a health insurance contract between the health insurance company and the patient.

Voluntary health insurance through reimbursement is a form of health insurance in which the health insurance company partially or fully reimburses the health care costs of the insured persons /patients/ in the event of the cases stipulated in the health insurance contracts. In this case, the insured persons need to request from the health care provider the following documents:

• An ambulatory sheet
• An epicrisis
• Research results
• Recipe
• An original invoice (the deadline for issuing an invoice is five days from the date of occurrence of the tax event)
• Fiscal coupon or payment order
• Others

Voluntary health insurance through subscription service is a form in which in the event of the cases stipulated in the health insurance contracts the health insurance company provides the provision of certain health services and goods to the insured persons/patients/ by certain providers of medical care, with which the company has concluded a contract.

We recommend to our patients, irrespective of the health insurance company in which they are insured, to read in advance the General Conditions of the Health Insurance Packages, which specify:
• The coverage and exceptions to it
• The terms and conditions for the use of health services and the receipt of health goods
• The terms, procedure and terms for reimbursement of the expenses incurred