There is a wide range of advantages, both for the Company and for Employees, of which we highlight the following:
Corporate Health Insurance
Health is a precious asset for your employees. For your Company, which cares about the well-being of your team, we have specialists at your disposal to explain the corporate health insurance solutions offered by the Insurance Companies.
For micro companies the Insurance market provides complete standardised offers, for SMEs and Large Companies, "tailor made" plans should be negotiated, i.e. plans tailored to the needs and requirements of each Company.
There are two types of Health Insurance:
- Reimbursement Insurance - The insured person pays their expenses and the Company reimburses them later.
- Conventional Network Insurance - The insured person uses the services in the agreed Hospitals, Clinics and Doctors, having only to pay the appropriate co-payment (e.g. Médis, Multicare, etc.)
Health Insurance can cover medical expenses, consultations, treatment, medication, hospitalisation, etc., both in Portugal and abroad.
Covers
Hospitalisation
Covers expenses associated with an admission to a hospital or clinic for a period of more than 24 hours. Present at the base of all policies, it includes the payment of the hospital daily charge, room rental, doctors', nurses' and anaesthetists' fees and auxiliary diagnostic elements (tests and examinations necessary for diagnosis).
Ambulatory
It pays for general or specialty medical consultations, auxiliary diagnostic exams and outpatient treatments. It guarantees outpatient hospital care: expenses for minor surgery without hospitalisation, surgeon and assistant's fees, equipment, operating theatre and, in some cases, ambulance transport.
Childbirth
Covers expenses related to pregnancy and childbirth. Apart from natural childbirth, caesarean sections and spontaneous termination of pregnancy are covered. The insurer pays the mother and newborn's hospital stay, the obstetrician and paediatrician's fees, the operating theatre and the medicines administered. In many cases, this coverage is integrated in the hospitalisation, having a capital limit of its own.
Stomatology
It pays for the cost of dental consultations and treatment. In some composite insurance policies, expenses under stomatology cover are only covered when they are covered by the insurer's network of service providers.
Prostheses and orthotics
It covers the purchase of appliances which replace a limb or organ (prostheses) and assist a function (orthotics) if prescribed by a doctor: e.g. wheelchairs, articulated beds, spectacles and graded contact lenses, hearing aids, crutches and orthopaedic prostheses.
Medicines
Covers expenses for medicines. Normally only medicines subsidised by the NHS are covered.
Second medical opinion
In the event of a serious illness (cancer, cardiovascular disease, organ transplants or stroke, for example), the insurer obtains a second medical opinion on the diagnosis or treatment to be followed from specialists worldwide.
International medical cover for serious illness
If the insured person with a serious illness chooses to be treated abroad, this cover pays the costs of hospital care, such as hospitalisation, surgical intervention, examinations and treatment, medicines or surgical prostheses.
Advantages
Advantages for the Company:
- To provide employees with access to quality medical care at a low cost;
- Increase employee loyalty and motivation;
- Reduce taxes by deducting the premium in IRC (cost of the Company)
- Uniform bonuses for each employee regardless of age (SMEs and large companies)
- Non-application of automatic premium increases on age-related renewals (SMEs and Large Enterprises)
Advantages for the Employee:
- Guaranteeing unforeseen medical expenses such as those relating to a surgical intervention or unexpected hospitalisation;
- Have the security of being able to provide the best treatment for your family, should any misfortune occur;
- Possibility of deducting the premiums paid (in accordance with limits established annually) and non-reimbursed expenses from the IRS.
- Possibility of household inclusion at more favourable costs than in individual insurance solutions;
Care to be taken
There are several aspects to take into account when choosing to take out a health insurance policy, we give you a note of some points that you should consider:
- Illnesses existing at the time the insurance is taken out are, as a rule, always excluded
- Pre-existing illnesses may not be manifested at the date of taking out insurance, which does not mean that they are covered.
- occupational diseases and accidents at work
- nervous disorders and psychiatric illnesses
- accidents or illnesses resulting from participation in sporting competitions
- aesthetic, plastic or reconstructive treatment or surgery and their consequences (unless they result from illness or accidents covered by the insurance)
- weight loss treatments and/or surgery
- comprehensive health check-ups and examinations
- organ or marrow transplantation
Os designados “co-pagamentos”, ou seja, o valor que cabe a cada Pessoa Segura pagar quando recorre aos prestadores de cuidados de saúde aderentes à rede convencionada, são estipulados por tipo de garantia e por cada utilização, podendo ser um valor fixo ou corresponderem a uma percentagem do custo do ato médico.
Period from which the contracted guarantees start to take effect. For example, in the case of out-patient cover, the Insured Persons only start taking advantage of the insurance, normally after 90 days have elapsed. In the case of Childbirth the waiting period is normally 365 days. In case of an accident no waiting period normally applies.
Recently, in order not to increase insurance premiums, insurers have opted to introduce an annual excess for outpatient cover (consultations). They set an amount of expenses (usually between €25.00 and €50.00) up to which the insurance does not cover the expenses incurred.
In practice, as a result of the existence of this deductible, the 1st consultation will have to be paid in full by the Insured Person
The information contained in this website is merely indicative. The rights and obligations of the parties are defined in the Proposals, Conditions Special and General applicable terms of the respective insurance policies contracted.