Almost 90% of Poles already have at least one insurance policy. We insure our cars, homes and loans, but above all—we insure our own lives and health, as well as those of our loved ones. According to data from the Polish Insurance Association, almost two million Poles already use private health insurance as well. We purchase it ourselves or through the companies we work for. In 2016, interest in such insurance was almost 30% higher than in previous years (source: https://wyborcza.pl/7,155287,21408925,miliony-polakow-kupuje-ubezpieczenia-i-leczy-sie-prywatnie.html)
Where should you look for insurance?
Finding an insurance offer with a package of medical services is not difficult. We can find advertisements for companies offering them on television, radio, in newspapers, online and on street billboards. Insurance companies are constantly looking for new channels through which they can reach us with their offers and persuade us to take out a policy with them. Insurance is sold via Facebook and mobile apps. It is also available at post offices, in shops and even at ATMs (source: https://pl.linkedin.com/pulse/co-czeka-rynek-ubezpiecze%C5%84-w-2018-roku-piotr-hobler). It is therefore worth knowing how to choose the option most suitable for yourself and your family from this flood of offers.
Health insurance
What should you consider when choosing health insurance? You should take into account not only the selection of medical services that we will be able to use in the event of illness, but also the number and locations of facilities where we will be treated. It is also worth knowing that many standard policies do not guarantee treatment abroad. It is therefore worth taking out additional insurance before travelling. This is particularly useful for people who suffer from chronic conditions—cardiovascular diseases, cancer, epilepsy or allergies. An increasing number of insurance companies on the Polish market offer such policies. Let us hope that, following the example of Western European countries, companies specialising in this type of insurance will soon begin operating here. For example, in the United Kingdom, so-called travel insurance for medical conditions is offered by Insurance Choice.
Illnesses and accidents can happen to anyone. The funds we receive from an insurance policy will make it easier for us to get back into shape.