Quelle assurance santé complémentaire recommandez-vous ?

A few years ago I used LUX-MED services - they were good and without queues, but ... after some time the number of patients per one doctor probably increased and the availability deteriorated, but it was good

PZU - lower costs - buys access to the services of specialists in non-own clinics, e.g. Certus ... etc. This may optimize costs and the use of schedules, but I felt there with delayed deadlines similar to the service in the National Health Fund

Private specialists and dear "professionals" do not mean effective help

What should you pay attention to in order to ensure comfortable use of medical services?
- waiting time for the availability of specialists
- doctors, doctors who also work in hospitals (continuous practice of the profession, specialization - major procedures, operations)

What health insurance will be the best?
- in the long term, the most important prevention
- in the short term, ad hoc: National Health Fund, private specialists (as above with active hospital practice)

Do you use private healthcare?
- rare and expensive

Which companies and offers can you recommend and which ones should you strongly advise against?
In my (subjective) opinion
- city and county hospitals - a plus (no anonymity, personal brand of doctors, operators)
- teaching hospitals - on the downside (anonymity, mass services)
- LUX-MED - a plus
- PZU - rather negative (it is an intermediary, additional mark-up on costs - overpaying for the service)

What should you pay attention to in order to ensure comfortable use of medical services?

I think it's worth getting acquainted with: i) the offers, including the benefits and privileges provided by different packages.

If you work full-time, find out if your employer offers health insurance as part of the contract or at a lower price.

What health insurance will be the best?

As above. It is worth doing research on what friends and family can recommend. If you ask for opinions on the internet, be a bit skeptical - remember that in general health issues there will be a lot of negative opinions about a given facility, while if someone is satisfied, they usually don't write about it on the internet - it's easier to pour out grief :)

Do you use private healthcare?

I regularly use dental services from private health care.

Which companies and offers can you recommend and which ones should you strongly advise against?

I have experience with Lux-Med, I can recommend it, although there are few appointments when making an appointment online, but once I managed to make an appointment, I arranged subsequent return visits and examinations at the window and there were no problems. I was received on time and professionally served. I will note, however, that I have only used these services four times, so it is possible that I was "lucky" with punctuality and professionalism.

After all, in the health service, I believe that the most important thing is prevention - taking care of your health and educating yourself in this topic; and also having some financial cushion that will allow you to go to a specialist privately.

I think if you want care and fast assistance private health are very good. I am using private health insurance and i am very happy.

In the case of supplemental health insurance, I suggest you contact insurance companies and compare offers, taking into account your individual needs and budget. You can also talk to a financial advisor or ask friends about their experiences and opinions on various health insurance policies.

It is worth remembering that additional health insurance may be beneficial in certain situations, for example in the case of planned surgery or long-term treatment. However, before deciding to purchase insurance, you should read the contract carefully and pay attention to the exclusions and limitations that may affect the effectiveness of the insurance in the event of a particular disease or health condition

 Answer 1- (a) ambulance charger - you can also check that while taking a policy that my ambulance charger will reimburse or not  

(B) Cashless hospitals  - you  have check company policy your interest in taking that it has tie-up with how many hospital in your city so that in 99% case you always have Cashless claim you don't have to pay mo ey upfront it is very important 

(C) Free checkup - mostly health insurance policies offered you free health checkup up to one in a year you get full body checkup absolutely free of cost this checkup used to claim your insurance this will prove at the time taking policy you were absolutely fit and fine 

Answer 2 - you can check in your policy are full fill all of this conditions according to you 

  1. Floater or Individual

2. Private or Government

3. Base Cover+ super top up

4. Room Rent

5. Sub-limit on Diseases

6. Copay

7. Zonal vs Pan India Policies

8. Pre & Post Hospitalization

9. Daycare Coverage 

10. Cosmetic or Ayush Treatments

11. Waiting Period

12. No Claim Bonus

13. Cashless Hospitals

14. Ambulance Charges

15. Free Health Checkup

Answer 3 - Yes 

Answe. 4 -

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In my opinion, it is worth getting interested in private health insurance, especially if our financial situation allows it. However, it is extremely important to carefully check the conditions and offers of companies to choose the insurance that best suits our needs. When choosing health insurance, it is worth paying attention to: The range of medical care offered - does it cover the entire country or only a selected region? Number and specializations of doctors and medical facilities that we can use Waiting time for visits and examinations - are they available in a short time? Premium amount and scope of available medical services Personally, I do not use private care, but I have heard many positive opinions about Allianz Healthcare, Medicover or Lux Med. On the other hand, there are numerous negative opinions from the websites of MedicaProfil or Inter Polska. It is therefore extremely important to carefully review the offer and opinions of other customers before making a decision.

There is complementary health insurance in my country.  By paying a relatively low additional premium, you can have an additional insurance to the insurance provided by the state and be treated in all private health institutions.  I am using this supplementary health insurance.

I have one of the packages in Luxmed. I make private appointments with specialists, and Luxmed reimburses me for invoices. This is a good option because I choose the specialist and the date of the visit.