Health Insurance

Hospital Care

Practical support during serious health needs

Hospital care coverage is the cornerstone of any private health insurance plan. Its purpose is to ensure affordable treatment and direct access to quality medical services in the event of hospitalisation due to illness or accident.

Depending on the plan’s structure, cover may include:

• The cost of treatment at private hospitals
• Medical consultations
• Diagnostic and laboratory tests
• Surgical procedures
• Accident and Emergency treatment
• Coverage of your in-hospital medication needs

Options relate to the annual amount of cover, the type of hospitalisation, and the deductible you pay. The plan may also offer nationwide and/or international coverage , including the option for treatment abroad.

Proper guidance ensures that the cover you take out truly meets your needs and that all contract terms are fully understood before the plan enters into effect.

Serious Illness Benefit

Financial support under unforeseeable circumstances

A serious illness can disrupt every aspect of your and your family’ s life. From the moment of diagnosis, time, care, emotional support, and financial stability become essential, especially when they are most at risk. With guidance from me, together we can craft a plan based on the capital you choose, ensuring meaningful support through difficult times.

The serious illness benefit provides an immediate, lump-sum payment upon diagnosis of a covered condition such as cancer, stroke, heart attack, organ transplant, or other major illness. That means no money worries for you.

The full amount is paid promptly and in one instalment. It’s a valuable means of support that can be used for treatments, travel, hospitalisation costs or to cover loss of income during recovery.

The serious illness benefit offers both support and prevention. It provides extra financial flexibility, allowing you to choose your doctor, country, timing, and method of treatment, without restrictions.

Insurance Solutions for Older Adults and Individuals with Pre-existing Conditions

Care and coverage without age or health-history limitations

The need for insurance knows no age limit. On the contrary, its importance only grows with time. Older adults and those with pre-existing conditions deserve access to a stable, reliable care system that offers protection and peace of mind.

Although the insurance market often imposes restrictions in situations like this (such as entry age limits, exclusions for pre-existing conditions, or higher premiums) there are specialised plans designed to genuinely meet policyholders’ needs. I stand by your side, offering realistic, fully tailored options. Taking into account the unique circumstances of each case, these plans make insurance available even to those who are often excluded from cover.