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Additional conditions related to pre-calculation of SmartHumed comprehensive health safety net

The SmartHumed targeted health benefit packages contain the following elements, depending on the individual qualification of the employees

It can be used once a month, with a time frame of 15 minutes video chat-based e-GP consultation (with the possibility e-prescription) and patient management within the framework, we help the beneficiaries to explore their options related to their health problems, to choose and use appropriate quality solutions (e.g. a specialist with a large number of cases, a safe clinical environment). The service can be extended within the family, so it can be used in connection with the health problems of the spouse, children or even other family members.

If your employees want to use the e-GP service more than once included in the packages, they can do so on the basis of an individual order, charged to the health fund accumulation, without limit.

A group risk inpatient insurance max. It covers hundreds of surgical interventions up to a limit of HUF 3 million and, with subsequent reimbursement, at least partly reimburses the costs of the preparation and aftercare related to the surgery. Enrollment in inpatient insurance depends on the risk assessment based on the answers given in the health declaration to be completed later by the employee:

  • if the employee can enter the inpatient insurance, the fee corresponding to his age is determined individually,

  • if the employee is not allowed to join the insurance, the total amount above the e-GP subscription is credited as fund accumulation, so compared to employees who have joined the insurance, higher spendable funds are generated in his case.

Resulting from the amount paid by the employer health fund accumulation amount can be used individually for diagnostic, outpatient healthcare, prevention, rehabilitation and other additional products and services (e.g. telemedicine, medicine, medical aids, etc.). Fund savings can be passed on within the family, i.e. the medical expenses of immediate family members can also be accounted for.

Benefit packages of different values differ in the amount of fund accumulation, higher value packages provide beneficiaries with more coverage that can be used freely.

The patient journey management services provided by SmartHumed are usually helps stakeholders without specialized knowledge to navigate the complex labyrinth of the sector (e.g. alternatives, processes, financing, etc.). The main goal of patient pathway management is that, on the side of individual users and service financiers (companies, insurance companies, funds), across institutions, act as an independent quality assurance officer during the use and administration of health services.

In practice, the a team of patient path managers who are familiar with the entire process not only supports the customer at certain steps, but takes you by the hand through the entire service process, so he really only has to deal with his recovery.

SmartHumed packages include a constantly expanding innovative digital solutions that support the use of services and increase the user experience,which provide specified services for both the employee and the employer's relevant employees (HR, finance, other) (e.g. one-stop administration, process management, transparent accounting, other applications).

General conditions of targeted employer support that can be given with a health fund contract

Modular service packages of the SmartHumed program through a health fund, in the form of targeted support, with preferential taxation, low cost (39.04%) can be used, so compared to traditional non-wage benefits, considerable cost savings can be achieved at the employer and employee level, even after deducting the health fund operating costs. If the employer already provides some kind of health benefit to its employees (e.g. outpatient insurance), it can be integrated into the complex model.

Each employee categories based on the monthly data provision, it is possible to to modify the range of beneficiaries, i.e. after the possible termination of the employment relationship the place of any employee can be "filled" with a new employee. A from the employer's targeted payment from the fund accumulation in excess of the amounts spent on the purchase of fixed services (e-GP subscription, inpatient insurance) (after the end of the fixed period and after deducting the fund costs) the the part not used by beneficiary employees can be used again as a source of the employer.