Private Health Insurance for companies in Poland

First of all – define the minimum scope of protection in health insurance

There are many business health care providers in the market today. Choosing the right solution although seems to be easy, in practice is more complex.  When deciding on a healthcare for employees, it is worth considering a few key issues:

• what healthcare services (healthcare specialties, examinations and others) must be included in the healthcare plan for your employees?
• do you expect one or several variants of protection for all employees?
• in which places should healthcare facilities be available?
• what is the maximum monthly or yearly budget for healthcare plans?

It is worth noting that depending on the industry in which the economic entity operates, the above assumptions will be subject to certain modifications. Certainly, for companies that have not yet provided healthcare for their employees, defining a minimum coverage will be a difficult task but, at the same time, your effort will bring a lot of benefits in the future.

Quality and low price do not always go hand in hand

We very often find ourselves in a situation where the most important aspect for the employer is the attractiveness concerning price. We know from experience that in the long run, focusing only on low price is disadvantageous. That is why we help our clients at all stages of the implementation of healthcare plans, with particular emphasis on the key aspects of the offer. In that situation we can assure that the scope of protection guarantees real comfort to employees and family members.

When preparing an offer, very important is to properly define the key aspects. Why is it not worth skipping this stage? A poorly selected offer discourages the employee from using healthcare services. As we know, for the employer the prime concern is easy access for employees to physicians and healthcare treatments and above all having healthy employees. This is most profitable for both parties.

HealthPlus specialists will help you prepare a plan adequate to your needs for the implementation of medical care in your company.

One, two or many variants?

The choice of the number of variants is often related to the size of the group of employees. Usually, for groups of several dozen employees, you can choose more than one variant of healthcare plans. Several variants of insurance within one enterprise are commonly used. In that case we have the opportunity to offer more extensive medical care, for example for management and key positions. In recent years, we have been observing a new trend that is becoming more and more popular in Poland. This trend among employers is to choose one wide-ranging variant for all employees, which previously was reserved only for managers.

In the case of large companies, special variants as well as many standard variants can also be developed. Generally, for groups of 100 employees, healthcare plans are “tailor-made”.

Healthcare facilities –  where can I be treated?

Access to healthcare facilities is, next to the scope of services, the most important parameter of each offer. While ten years ago employers did not pay so much attention to the quality and availability of facilities, this trend has now changed. Today, a large number of facilities throughout the country is an important element of the offer. Workplaces expect their employees to have the convenience of accessing benefits not only in large agglomerations, but also in smaller towns.

As part of medical packages for companies, employees receive access to at least 800 facilities in Poland. However, there are packages where employees will be able to use even more than 3,000 facilities. And quite an important note – the number of available facilities is not always closely related to higher cost (i.e. a higher price does not necessarily ensure access to a greater number of clinics)!

The leading healthcare networks in Poland include ENEL-MED, Damian Medical Center, Luxmed, Polmed, Scanmed, Swissmed, Multimed and Promedis. However, depending on the type of offer in large agglomerations, access to medical networks may be significantly different. Some offers allow access to most major medical networks, while others may only access one. It is worth paying attention to this matter when comparing the scope of healthcare services.

Health benefits in healthcare plans

The scope of healthcare services determines the actual nature of individual plans. While access to physicians with different specialities as well as an extended range of diagnostics and laboratory tests is a standard, it is also worth looking at wider variants. Lowest cost plans offer a smaller number of medical specializations and other benefits. The plans have a very diverse range. You can choose from basic protection to extremely extensive variants with rehabilitation or unlimited dentistry. Obviously, the wider the scope of protection, the higher will be the cost for each employee.

What benefits can be included in healthcare plans?