Health Insurance
Key characteristics
- Private clinics and hospitals
- Flexible insurance plan
- National or international coverage
A private health insurance is an efficient option to benefit from medical services at quality standards higher than those offered by the public health system. Destine Broker consultants can help you access a wide network of private clinics, hospitals, and specialist doctors. They will identify the most suitable insurance plan for you, adapted to your budget.
Main elements of health insurance
It can represent a fixed lump sum (allowance per day of hospitalization or a fixed amount in case of surgeries) or allowances for private hospitalization services and medical or surgical treatment.
It largely depends on the insured’s condition at the end of the policy, his / her history of illnesses, his / her occupation, taking into account the professional risks, etc.
Hospitalization, home treatment after discharge, maternity allowance, consultations with a general practitioner, and specialist fees (including fees for medical tests, x-rays, ultrasounds, etc.) are covered. Surgeries, ambulance services, death due to insured diseases or accidents, purchase of medicines and vaccines, dental treatment, and laboratory tests are also included.
Treatments for pre-existing conditions. Before concluding the policy, the insurer requests a complete medical consultation of the insured person, following which the existing chronic diseases are established as exceptions. These consultations are settled by the insurance company.
Main elements of health insurance
It can represent a fixed lump sum (allowance per day of hospitalization or a fixed amount in case of surgeries) or allowances for private hospitalization services and medical or surgical treatment.
It largely depends on the insured’s condition at the end of the policy, his / her history of illnesses, his / her occupation, taking into account the professional risks, etc.
Hospitalization, home treatment after discharge, maternity allowance, consultations with a general practitioner, and specialist fees (including fees for medical tests, x-rays, ultrasounds, etc.) are covered. Surgeries, ambulance services, death due to insured diseases or accidents, purchase of medicines and vaccines, dental treatment, and laboratory tests are also included.
Treatments for pre-existing conditions. Before concluding the policy, the insurer requests a complete medical consultation of the insured person, following which the existing chronic diseases are established as exceptions. These consultations are settled by the insurance company.
Benefits of health insurance
This insurance covers expenses for illness, accidents, surgeries, convalescence, medical recovery, and pregnancy monitoring. Private clinics and hospitals provide the medical services to the insured. If the insured chooses care in state hospital networks, they receive an insurance indemnity. With private health insurance, you no longer need to pay out of pocket for contracted medical services.
Optional health insurance products usually cover:
- Consultations
- Hospitalization
- Medical investigations
- Surgery
- Other medical services
Destine Broker offers you the existing optional health insurance products on the Romanian market, this being possible due to the partnerships developed with the insurers that offer these products.
International health insurance CIGNA – this product provides access to medical care worldwide, with conditions tailored to each customer’s individual choice. You can sign up for CIGNA Global IPMI private insurance regardless of age, profession, or nationality. The insurance is available for individuals or extended families. The policy offers flexibility with optional plans.
Find out more details about Cigna Insurance here.
Destine Broker offers you the existing optional health insurance products on the Romanian market, this being possible due to the partnerships developed with the insurers that offer these products.
International health insurance CIGNA – this product provides access to medical care worldwide, with conditions tailored to each customer’s individual choice. You can sign up for CIGNA Global IPMI private insurance regardless of age, profession, or nationality. The insurance is available for individuals or extended families. The policy offers flexibility with optional plans.
Find out more details about Cigna Insurance here.
