The performance of your team is closely related to your company ability to attract valuable professionals as well as to having adequate motivation and loyalty programs. Health insurance as an additional benefit to the salary package is the tool through which your company, regardless of size and field, provides financial support to employees and their families when unforeseen events occur in their lives.
To help you choose the insurance that suits your team’s needs, we will help you understand the difference between private health insurance, subscription and state insurance, but also between the health solutions offered by Groupama.
Private health insurance vs. medical subscription vs. state insurance
Even if the employee is covered through the subscription to the public health system, maybe he also has a private medical subscription offered by the employer, it is good to have private health insurance as well. All are products that provide different degrees of coverage, as they offer complementary medical services.
The private medical subscription is a prevention tool, which provides access to clinics for consultations, laboratory analyzes and investigations and discounts for more complex medical services which are used to diagnose and treat minor ailments.
Private health insurance is a product that comes in addition to the medical subscription and is ideal for medical situations that require hospitalization or surgery. In his absence, should the employee or his loved ones need surgery, he and his family will have to cover the costs.
The public health system offers only one option – paying the CASS contribution through which you have access to medical services in the public system. More precisely, the employee with a work card is withheld monthly the mandatory contribution called CASS, which is 10% of the gross salary and which goes to the state budget. In exchange for this monthly contribution, he has access to free medical services in the Romanian public health system.
Private health insurance
Groupama Asigurari offers various packages, with the possibility of customizing them according to the needs of the business and the preferences of your team. Groupama private health insurance offers packages with predefined or modular coverages, for outpatient medical services and for medical hospitalization and surgical interventions, with the risk related to the infection with COVID-19 included.
With the Health insurance – hospitalization and surgery for employees you can help your team cover the medical expenses that may arise as a result of an accident or an illness and even relapse after a first event, starting from the insured sum of 5,000 lei/employee, which can be multiplied by a maximum of 5 times, up to 25,000 lei, regardless of whether the medical services are provided in a state or private hospital or a specific provider, such as our partner, Regina Maria. Practically – anywhere. Employees can choose between 2 access options:
- any public or private hospital
- private hospitals from the Queen Maria Network
At Groupama, additional insurance coverage can be added to the health insurance – hospitalization and surgery, with various specific benefits, such as: emotional health, medical chat, medical expenses, convalescence after hospitalization, burns, fractures, serious illnesses, microsurgery.
Everything is configurable, flexible according to preferences. Full package information here:
Full Individual Medical Insurance offered by Groupama in partnership with the Regina Maria private health network, is dedicated to companies that want to offer this benefit to their employees, to ensure their access to a wide range of medical services and specialties. Comprehensive medical insurance combines the advantages of the two major categories of medical services: in hospital and outpatient. Full information here: https://www.groupama.ro/persoane-juridice/sanatate/asigurarea-medicala-integrala-colectiva
The differences between the solutions offered by Groupama:
| HEALTH INSURANCE – HOSPITALIZATION AND SURGERY FOR EMPLOYEES | FULL INDIVIDUAL MEDICAL INSURANCE |
| – Hospitalization and surgery are independent risks regardless of whether you choose the Oriunde or Regina Maria medical network option | – Outpatient and Hospitalization & Surgery are mandatory coverages with predefined or configurable packages for each coverage |
| – The Anywhere economic option is an economic insurance with a fixed allowance | – All packages offer direct settlement, reimbursement and allowances depending on the hospital chosen |
| – You can choose the insured sum of 5,000 lei/employee or a multiple of 5,000 lei, up to max. 25,000 lei | – The insured amount is in euros, predefined according to the chosen package |
| – Modular product, customizable for subgroups of employees by adding additional insurance with dedicated premiums and benefits | – You can choose a combination of outpatient package and hospitalization & surgery package for subgroups, without the possibility of adding other additional insurances |
| – Flexibility in choosing the provider of medical services | – For the outpatient clinic, you mainly have the services offered by Regina Maria |
| – International coverage | – International coverage limited to certain packages |
| – Hospitalization for a maximum of 30 days with doubling of the allowance for ATI (maximum of 7 days) and coverage of accommodation for the companion with the minor child | – The maximum number of days compensated for an event varies depending on the package chosen between 5 and 30 days |
| – Scheduling according to the chosen service provider, and for contract Alo Groupama 0374.110.110 | – Call center dedicated to Regina Maria (ambulatory or inpatient), and separate programming for the rest of the providers |
| What do the 2 types of insurance have in common: | |
| – Medical assessment is not required for groups larger than 10 people
– A discount is offered depending on the size of the group – You have direct settlement in the Groupama hospital network: Regina Maria, Monza, OCH – Ovidius Clinical Hospital, Muntenia Hospital – You have a 30-day waiting period before you can benefit from the services. |
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Challenges and difficult times are part of any entrepreneur’s journey – you can’t avoid them or predict them, but you can insure them with the right policy. We hope this material has helped you discover it and better understand what it can do for you.
Take the step towards an insured future and ask for a private health insurance quotation.
Write to us at relatii.clienti@groupama.ro or call our AloGroupama call center at tel. 0374 110 110 from Monday to Friday, between 8:00 a.m. and 6:00 p.m. or write to us directly on the website https://www.groupama.ro/contact or choose our network of agencies and collaborators.