Optional health insurance provides the insured person with access to high-quality complex medical services, in case the health condition worsens due to an acute illness, accident, exacerbation of a chronic condition or trauma requiring medical intervention. The Insurer, when the insured event occurs, will organize the provision of medical assistance in the medical institutions (private or state) mentioned in the Insurance Policy, in accordance with the Insurance Programs requested by the Insured.
Insured risks:
- Health disorder as a result of an accident resulting in trauma or bodily injuries;
- Health disorder as a result of sudden and acute illness;
- Health disorder due to the worsening of a chronic disease;
- Health disorder caused by the occurrence of a condition requiring medical assistance.
In the event of an insured event, the Insurer will compensate the expenses related to medical treatment, provided that the Insured's health disorder occurred during the active insurance period. The insurance will cover the costs of outpatient or inpatient medical care, if the event that led to the health disorder requires such interventions.
Additional details:
- Coverage – Republic of Moldova;
- Validity – 24 hours a day, 7 days a week;
- Insurance period – 1 calendar year from the date of conclusion of the contract;
- Number of visits to medical institutions – according to the terms established in the insurance contract;
- Method of payment of the premium – in full or in installments.