Why should you get health insurance?

Whether it’s about ourselves, our loved ones, or our employees, taking care of health is a top priority. Additional health insurance provides access to the best healthcare services, ensuring peace of mind and security. In this article, we will explore what health insurance covers and why it has become an essential part of modern life. 

What is Health Insurance and How Does It Work?
Health insurance does not replace mandatory health insurance in Bulgaria but serves as a natural complement to it. To benefit from such insurance, you must be health insured under the national system. Health insurance is an excellent way to ensure peace of mind and access to medical services when needed. 

With a health insurance policy, the insurer commits to covering medical expenses related to the use of healthcare goods and/or services in the following cases:

• Inpatient medical care (hospital treatment)
• Outpatient medical care (medical consultations, diagnostics, and treatments outside the hospital)

No one is immune to accidents or illnesses. However, the right health insurance policy can help reduce both the financial and emotional impact of unexpected medical situations. 

By getting health insurance, you ensure the best possible care for yourself and your loved ones, investing in what matters most – your health.

Most insurers offer two options for using health insurance: Subscription-based medical services and Expense reimbursement.

It is important to know that when using the insurance with the Expense Reimbursement method, most insurers apply a co-payment, which can range between 20-50%.

Advancements in medicine require insurers to stay up-to-date with the best available services. For this reason, the pioneer in Bulgarian insurance, Euroins, has developed a completely new health insurance – My Euroins Health. This policy focuses on mandatory preventive care, which is essential for the early detection and timely treatment of diseases. 

With its latest health insurance – My Euroins Health Plus, Euroins makes it possible to treat severe and critical illnesses in the best medical facilities, both in Bulgaria and abroad.

Benefits of Health Insurance – Why is it Important for You?

The different options for health insurance provide the opportunity for extensive coverage of prevention and treatment of various diseases, with the aim of enhancing the public health insurance system. 

The focus on prevention is not accidental – statistics show that many severe diseases are completely treatable if detected early.

In the fast-paced rhythm of everyday life, many people neglect preventive check-ups, even though they are key to long-term health.

Health prevention is a vital element of healthcare, aimed at preventing diseases and maintaining optimal health.

At Euroins, for example, in order to activate the insurance coverage, every client must undergo a preventive screening, which includes complete blood tests and a check-up with an internist. The goal is for everyone to be aware of their health status and, in case of a problem, be directed to appropriate medical care.

Thanks to health insurance, you have quick access to medical services, and in many cases, the insurer commits to directing you to the right specialist and even scheduling an appointment. Undoubtedly, this saves a lot of time, worries, and, last but not least, financial resources. Every client feels special as they receive individual and professional attention based on their specific needs. 

The news of a severe diagnosis is always accompanied by huge stress and concerns. With modern health insurance, you can ensure more secure and peaceful treatment, even abroad, as the coverage for treating severe diseases is €1,000,000, an amount that is out of reach for a large part of Bulgarians.

Health insurance is an excellent benefit for employees in a company. Every employer should understand that their employees are their most valuable asset, and providing quality healthcare contributes to their motivation and long-term engagement. Research shows that employees with corporate health insurance are 20% less likely to leave their workplace. Employers who provide health insurance to their employees can benefit from tax relief.

Health insurance is extremely suitable for both individual clients and families, as well as for companies with a small or large number of employees.

How to Choose the Right Health Insurance?

First, you need to determine what your needs are, whether it concerns yourself, your family, or your employees.

Key factors to consider:

Personal and family needs

• Age, gender, health condition
• Specific medical needs (e.g., chronic illnesses)
• Desired additional coverage (e.g., pregnancy, dental treatment, etc.)

Why Should I Get Health Insurance Right Away?

Health prevention is a cornerstone of modern medical practice and public healthcare. It includes a set of measures aimed at preventing diseases, early detection of health issues, and managing existing chronic conditions.

Everything we do today for our own health and the health of our loved ones will pay off in the future.