Surgical Protection - preparation for larger, unexpected surgical expenses
Group risk inpatient and supplementary insurance or alternative health insurance.
As time progresses, the chance of developing a disease that can only be treated with surgery increases.
There are people with a TB relationship who trust that without a waiting list,they receive an adequate level of service
Some people have personal connections and can pay for private surgeries of up to millions
For those who do not fall into the above two categories, we offer a solution for both the payment of unexpected surgical costs and the provision of quality private healthcare services.
Based on our many years of experience, people are usually mistaken when they think that if they trust a doctor and/or know someone, even a private hospital, then all their problems are solved.
Every hospital has good and less good doctors and processes, but there is certainly no hospital that would send a client who comes to another hospital because the doctor is better there and the requested service is of better quality.
SmartHumed sees itself as an independent market player and is not exclusively committed to any doctor or hospital, so we are able to find and organize suitable solutions not only in Budapest or a rural location, but on a national level.
The main elements of the group risk inpatient insurance provided by Alfa Biztosító Zrt
What surgeries are covered by inpatient insurance?
the interventions included in the insurance are not the same as the entire TB surgical palette, but hundreds of the most frequently occurring surgical interventions are covered (for example, orthopedics, head-neck and spine surgery, gynecology, urology, oncology, abdominal and other general surgery, etc. )
and for surgeries financed by the insurance, you can use high-quality, no-wait private healthcare services
What exactly does the insurance company reimburse and in what amount?
after a waiting period of 1 month after acquiring the insurance, the insurer undertakes to pay the surgery amount without a deductible, up to a limit of HUF 3 million (pre-financing is not required)
only if the surgery is performed, the costs of the preliminary and control consultation, diagnosis, and surgical preparation paid by the user (pre-financed) will be reimbursed in accordance with the band limits included in the insurance conditions (40-150e HUF)
What exclusion conditions does the insurance company apply?
in addition to the standard exclusions according to the insurance conditions, the insurance company only made a diagnosis after bearing the risk
makes payments for health problems
so if there is a possible pre-existing disease a
the beneficiary is not entitled to reimbursement for the given surgical round, but this does not affect his entitlement to hundreds of other surgical interventions, which remains
What other self-sufficient financing needs may arise?
possible exclusions due to medical history, premiums in excess of insurance limit amounts, outpatient rehabilitation following early rehabilitation provided during the hospital stay, follow-up care and other additional costs must be paid voluntarily in all cases
financing of these costs is possible from other self-care sources, so especially from health fund accumulation
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We help you to make your package tailored to your company the most effective.