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Category: Stay healthy

Burnout as a phenomenon that can happen to anyone

We are one of the busiest nations in Europe: according to the data of the Organisation for Economic Co-operation and Development (OECD), only Greeks work more than Poles. It is estimated that even 65% of Poles can experience burnout symptoms.

Burnout is a significant problem not only for those employees who have been present in the labour market for many years. More and more often, also young employees who, as it might wrongly seem, work too short to be able to talk about burnout, also struggle with this problem. According to a study by ARC Rynek i Opinia in cooperation with Randstad Polska, commissioned by Gumtree.pl, already last year, employees indicated the following top three possible causes of emotional exhaustion and lower assessment of one’s own abilities: high responsibility with low remuneration (54%), the need for professional development with low promotion opportunities (43%) and large amount of work with small amount of time (41%). In the latter case, the percentage decreases with tenure (67% when working for less than a year vs 42% when working for over 8 years). As some respondents (28%) declare, they definitely lack new challenges in their current workplace and their tasks became tedious and repetitive.

Definition of burnout

The concept of burnout was introduced in the 1970s by Herbert Freudenberger – an American psychiatrist, born in Germany. According to his observations, in a relatively small group of people (involved in volunteering activities), there was a certain “regularity” concerning general well-being.

Freudenberger noticed that people who were strongly involved in charitable activities experienced
a significant decrease in motivation and primary enthusiasm after some time, which was crowned with the presence of psychosomatic symptoms. Burnout is a psychological condition that constitutes the body’s response to chronic work-related stress. According to Christina Maslach, one of the most famous researchers in this field, it has three dimensions:

emotional – exhaustion (discouragement to work, decreased activity, pessimism, constant tension and irritability, chronic fatigue);

interpersonal – depersonalisation and cynicism (distance and superficiality in contacts, less sensitivity towards others);

cognitive – decreased sense of personal accomplishments (dissatisfaction with the results of work, lower sense of effectiveness of actions, loss of self-confidence, sense of wasting time).

Burnout has negative consequences not only for the affected person, but also for the organisation, as it can lead to a decrease in employee productivity, frequent absence and even resignation from work.

Burnout syndrome – symptoms

How can we recognise burnout? Like any disorder, it has a set of symptoms that gradually begin to show up. They include the following:

  • feeling constantly tired of work – tasks that used to be simple and well-known become tiring and unpleasant. Postponing tasks results in an increasing level of stress related to the fear of failing to fulfil obligations on time and in good quality. We bring tiredness home with us, which makes us unable to relax and rest before the next day.
  • alienation from the company’s life – if we used to be very active and involved, used to submit our ideas and proposals and for some time, the involvement in the company’s affairs has not been satisfactory for us, it can be a signal of an emerging problem with burnout,
  • fear of going to work – very often people struggling with burnout feel stressed just thinking about going back to work. This stress manifests itself in various ways, often with somatic symptoms such as nausea and vomiting.
  • lack of interest in the industry – if our work used to be our passion and now, we are not happy at all, it could mean that we are at risk of burnout. The issue of losing interest in the industry in which we work does not necessarily have to be directly related to it – it may be the result of a poor atmosphere in the team or a lack of recognition by the management,
  • nervously browsing job advertisements and not applying for offers – often people who are burned out think about changing their job, browse advertisements, visualising themselves in
    a new position in another company. At the same time, they do not apply for offers, being afraid of changes and risks that would require additional activity from them, for which they do not have the strength now. As a result, they remain in their current position – burned out.

What can we do?

In the early, mild phases, specialists recommend holidays. The best way to overcome burnout is to change the workplace which, however, is already quite a radical solution. In the case of complete burnout, accompanied by depression and suicidal thoughts, consultation with a psychologist or psychiatrist is necessary. Burnout syndrome is difficult to overcome so it is better to prevent it, which is not as difficult as it might seem.

The ways to do so are well-known now and are also promoted by many employers. It is work-life balance and constant professional development. Specialists recommend trying to do the work that we actually like as well as taking care of a healthy lifestyle: sleep, nutrition, sports. It is equally important to have a life outside of work: taking holidays, pursuing passions, spending time with loved ones, constant learning.

Activities on the part of the employer are also important and it is worth learning about them already at the stage of recruitment to a given organisation. Does the company conduct employee satisfaction surveys to find out who and when might be at risk of burnout? Are there programmes and mechanisms in place aimed at preventing work overload and monotony – e.g. project work in various teams? Are employees positively motivated? Does the employer support the work-life balance of its employees? Is the work space and work organisation favourable? These questions must be answered by both the employee and the employer.

The war in Ukraine? Oh! Is that still going on??!!  


Dear Ukrainians, we all owe you a big apology… We have forgotten about you and gone back to the comforts of our everyday lives. Zelensky? Crimea? Odessa? Kyiv? These names and places were all “hot topics” for us for 2-3 months, but then we got used to the idea that “there is a war in Ukraine… What can we do?


The war in Ukraine started in February of this year. It had our undivided attention throughout March, April and May. We were living it. News channels showed us the horrors of cities being destroyed and the lives of innocent Ukrainian people ruined. Burned-out buildings; horror stories of women being raped and property looted; a tide of refugees fleeing for their lives; good people in Poland, Romania and Hungary taking families into their homes. A war “at its best”. It had us hooked. This war had everything it needed to be newsworthy. “The good, the bad and the ugly”. “Just like a good war should be”. Social media was full of war-related traffic – offers of help, new volunteering organisations, a collective outpouring of sympathy and support for the victims.


But then came the summer and with it the sense of a post-Covid need for freedom. 

Long queues at the airports; cars full of families crossing borders on the way to beach-holidays; restaurants and hotels back to full capacity. Two years of lockdowns and we all needed light and air.

The war brought in its wake new economic worries. The cost of fuel and energy is sky-rocketing. Food too is becoming more expensive, and governments are desperately trying to cope with inflation, and rising taxes and interest rates. With rising food prices, the threat of energy poverty and simply managing our day-to-day lives all now clamouring for our attention, the war has somehow become “yesterday’s news”

Putin might well have expected the initial reaction of the West to be one of total shock and anger. But not for long. We get used to bad news; new pictures every day on TV and across the media showing the latest horrors from Ukraine have become commonplace; we have perhaps even become somewhat indifferent to them. “Not as alarming and as interesting as it was in March”. Zelensky’s daily speeches repeat the same messages; we have just got used to it all. Moreover, I have met some individuals who support Russia, advocating Putin’s right to demand Russia’s western border be free of any NATO and EU presence. I was astonished to realise someone could believe this could justify such a brutal attack on an innocent and peaceful society as that of Ukraine.


The Russian invasion of Ukraine will leave its indelible mark on all of us. Russia has removed its name from the list of countries that serve as a pillar in maintaining a peaceful world order, ensuring responsible leadership and caring for the wealth, health and welfare of their own society. Russia has resumed its place on the “black-list” of nations that allow themselves to commit crimes against humanity. As we can see, the passage of time does not erase a nation’s presence from this list, nor the criminal acts they perpetrate. Russia has now secured for itself a neighbour filled with hatred and a growing, everlasting hunger to exact revenge.


It is our obligation to keep the ongoing war in Ukraine on the agenda. We must not lose sight of the fact that over the centuries our countries and nations have been targeted by all kinds of “Putins” who have left the pages of our history full of pain and horror.


It is the obligation of each and every one of us, as individuals, to raise our voices against such outrages. We cannot permit ourselves to go back to any kind of normality while cities in our neighbouring lands are burning. We must educate our children to seek peace, to avoid racism and to defuse conflicts.

The circumstances of the war in Ukraine could provide a platform to show how poor and shallow political justifications are given for inflicting evil on people.

Today is Independence Day in Ukraine. I would like to dedicate this article to the President of Ukraine, Volodymyr Zelensky, and express my deep appreciation for his outstanding leadership and for standing up to the Russians with their cruelty and arrogance.


Long live free Ukraine!!!


Your long and free existence is a safeguard for us all.

author:

Zahal Levy, President of MediHelp International:

Employees in Poland want medical benefits

Every third employee in Poland would like to use to a greater extent the health-supporting benefits offered by employers. After two years of the pandemic, health is becoming the supreme value for Poles – according to the report “Barometr polskiego rynku pracy” prepared by Personnel Service. Employees expect greater commitment from employers in support of their well-being.

Diverse people with insurance protection plan

The benefit market in Poland is systematically growing, adapting to the changing lifestyle of Poles. Although remuneration is the main aspect influencing the choice of a workplace, the non-wage benefits offered by employers to help attract employees are also very important – based on this factor, employees can decide to change their job or stay with the current employer. Organisational culture in many companies absorbs western patterns or creates unique, local schemes and forms of non-financial benefits.

Money does not bring happiness

Patterns are changing and so are the expectations of employees in relation to benefits. According to the report “Czy pieniądze szczęścia nie dają” prepared by Pracuj.pl, almost 75% of Polish employees receive at least one non-wage benefit at work.

The most popular benefits include:

  • private medical care
  • sports card
  • training allowance
  • holiday allowance (self-arranged countryside holidays)
  • allowance for language courses
  • examples of employee benefits[K1] 

Polish employers are investing more and more in non-wage benefits: in 2018, they spent PLN 12 billion on employee benefits. According to forecasts, the benefit market will grow in strength in the coming years, with an emphasis on benefits related to the health of employees.

All of this suggests that employee benefits have already become a standard in Poland. Therefore, employers who want to acquire and retain valuable candidates should not wonder whether it is worth introducing such a system in the company but what benefits to focus on.

The most valued benefit is the medical package, however, the basic one is no longer enough. Employees signal increasing needs related to their deteriorating physical and mental condition and the desire to receive comprehensive support from employers in this regard. This is confirmed by another study, by Hays Poland, which shows that regardless of the position and age group, we want to have access to an extended medical package. Almost 15% of the respondents specify that these are services they will choose themselves, e.g. dental services, dietary or psychological consultations.

The pandemic has changed the way people think about benefits

Let’s go back to the study by Personnel Service. It shows that almost half, namely 45% of employees admit that they have been more stressed at work since the beginning of the pandemic. It turns out, however, that companies do not compensate employees for this increased stress by offering additional non-wage benefits. Research shows that 69% of employees in Poland declare that they receive at least one benefit in addition to their salary. However, it is not quantity but quality that matters for employees – health is their priority. Already 35% of people admit that they would like to have an extensive medical care package. The vision of a shorter working week is also attractive to Poles.
29% of people are in favour of a 4-day working week as an attractive option. And what once seemed impossible to be implemented is now starting to become a reality. Nordic Consulting and Development Company, a Polish-Danish software developer and IT service provider for insurance companies, has introduced a 4-day working week model.

Apart from health support and a 4-day working week, 28% of employees would be satisfied with additional days off per year and 23% of them find it optimal to shorten the working day by one hour. Remote work is not a common phenomenon in our country. Around 20% of employees work from home at least one day a week. However, their expectations for remote work are higher. 15% of people admit that they would like to work from home 2-3 days a week and 13% expect online training. Every tenth person would be glad to receive allowance for remote forms of entertainment, such as Netflix, and tax advisory services regarding the new tax law Polski Ład.

Do not save on employees

Why are benefits important? As experts argue, benefits motivate employees and thus make it harder for them to leave the company. Each additional action of the employer which makes employees know that the company cares for them is right and, what’s more – profitable. Often a good benefit is not the one that will cost the employer a lot but the one best suited to the needs of its employees. So what if you can invest in sports cards if most of your employees do not like this type of activity or simply do not have time for it. The most important thing for employers is to consider:

  • who your employees are, what they like to do in their spare time and what their life priorities are
  • the prevailing age groups among your employees and prevailing tenure in the company
  • the specificity of work in your company: industry/pace of work/stress level of employees/if it is a shift work

what pain/problem of employees you are targeting by offering them a given benefit


Diagnostic imaging has reached a cosmic level

Modern medical care is based on the enormous technological advances that have been made in recent years in diagnostics and therapy. More and more medical facilities attach great importance to providing patients with access to the latest medical technologies. Modern imaging methods are of particular importance for the diagnostics of patients suffering from cancer and cardiovascular diseases. These methods have now reached the level and capabilities that, until recently, were only seen in science fiction films.

We have been enjoying the benefits resulting from the development of diagnostic imaging for over one hundred years. From the time of the Roentgen’s research in the late 19th century to the present day, we can observe successive leaps in technology. The last 150 years are also about discoveries and introduction of innovations: from the Nobel Prize-winning description of X-rays, the development and introduction of computed tomography on a massive scale, to the commencement of implementation of ICT solutions in this sector. Practically every year brings new solutions and possibilities.

Why are diagnostic imaging tests so important?

Many areas of modern medicine simply do not exist today without advanced diagnostic imaging. For instance: before a surgery, a surgeon has full knowledge of the patient’s detailed anatomy, which is often presented by a radiologist in a three-dimensional way. This allows for the thorough preparation of a therapeutic strategy. Imaging tests are also necessary for the monitoring of treatment results as well as for prophylaxis. As a result, it is possible to exclude potentially life-threatening pathologies in people who are statistically more exposed to them than the rest of the population, e.g. cardiac computed tomography tests in people with high cholesterol levels or breast MRI examinations in patients with BRCA-1 gene mutations. Thanks to the enormous technological advances made in recent years, modern medical care has capabilities that were previously only dreamt of.

According to the interview of Professor Andrzej Urbanik, Head of the Department of Radiology at the Collegium Medicum of the Jagiellonian University, for the portal dlaszpitali.pl, diagnostic imaging is
a branch of medicine in which images of the human body are obtained using various techniques. One of the most important parts of this branch of medicine is radiology, which uses a wide range of techniques, such as: radiographs (including mammography and dental images), X-rays, computed tomography, ultrasonography, magnetic resonance imaging, to hybrid techniques (a combination of radiology and nuclear medicine), combining different imaging methods, such as for example: PET-CT (combination of PET and computed tomography), PET-MR (combination of PET and magnetic resonance) or SPECT-CT (combination of SPECT and computed tomography). In addition, there is interventional radiology, where minimally invasive procedures guided by diagnostic devices are performed, replacing or supplementing classic surgeries.

According to Urbanik, up to 80% of medical diagnoses are made or confirmed on the basis of imaging tests. In the case of radiological procedures used in trauma medicine or neurosurgery, this percentage is as high as 100%. Importantly, diagnostic imaging is used not only to recognise diseases. More and more often, it is also used to monitor the effects of therapies. As a result, it is possible to quickly assess whether a specific treatment strategy for a given patient is effective or requires modification. Thanks to interventional radiology, it is possible to avoid standard surgeries in many situations. These opportunities play a crucial role in the patient’s health and life.

Who can undergo imaging tests?

Imaging tests can be performed in those patients who need to be diagnosed for the following diseases:

  • inflammation,
  • cancerous tumours,
  • cysts,
  • diseases of blood vessels, including vasoconstriction, occlusion, aneurysms,
  • diseases of abdominal organs (liver and bile ducts, pancreas, stomach and intestines),
  • diseases of the spine, joints and bones.

Imaging tests are also performed in the case of suspected injuries of the skeletal system or internal organs. Multiorgan imaging tests are performed in the case of suspected internal injuries, e.g. after
a traffic accident. Sometimes it is necessary to perform an imaging test before a planned procedure. Computed tomography and magnetic resonance imaging are non-invasive, painless tests that do not have a harmful effect on the patient’s health. However, it is not recommended to perform MRI scans in pregnant women in the first trimester, which is a period of particular importance for the baby’s development. Such tests should be postponed until the second trimester, when they are recommended e.g. in the diagnostics of pregnancy pathology. Much more accurate test results than in the case of ultrasound allow doctors to properly prepare for the treatment of a sick new-born, which significantly increases the effectiveness of their actions.

Where to perform diagnostic imaging?

Modern diagnostic imaging (MRI and computed tomography) is performed in practically every private and public medical facility in Poland and is especially recommended for patients for whom time is of the essence. The MediSky policy allows its holders to have diagnostic imaging tests performed not only in any facility in Poland and in the world, but also to find the earliest date of the visit.


 

Treatment in Poland more and more expensive

Poles will spend PLN 19 billion more on private treatment in 2024 compared to 2021. In addition, the prices of private medical appointments this year are as much as 12% higher than last year. We are going to face a time of price increases and nothing indicates a change in this trend – informs the Polish Insurance Association.

Let’s start with some statistics illustrating the health insurance market in Poland. They show that Poles are increasingly interested in private health insurance. According to the Polish Insurance Association, about 3.7 million people have already decided to buy health insurance policies. At the end of Q3 2021, Poles spent over PLN 760 million on private health insurance. It is nearly 15% more than a year earlier. Poles are most interested in packages that include access to basic healthcare and several specialist doctors. The number of group policies is also growing.

Covid has strongly influenced the awareness of Poles regarding prophylaxis and taking care of their own health. There is a greater interest in health insurance, especially in such that provides comprehensive care for the customer through i.a. free access to outpatient and hospital care”, says Kamila Patej-Sieklucka, Sales Manager at MediSky International.

Polish public healthcare is not one of the best in Europe. According to the “Polish Risk Map” report prepared by the Polish Chamber of Insurance, for 71% of Poles, one of the greatest concerns is the lack of access to medical care and specialist doctors. And the queues are not getting any shorter. The Watch Healthcare Foundation’s report “Kobieta w kolejce”, which analyses the waiting time for women’s benefits in public healthcare, shows that women have to wait on average 3.3 months to see e.g. an endocrinologist, neurologist or urogynaecologist. The waiting time for an angiologist’s consultation is over half a year, similar to a plastic surgeon in the case of e.g. breast reconstruction after mastectomy. All of this makes Poles massively look for solutions in the form of private services which, however, are becoming more and more expensive every year. Cheap medical subscriptions, most often offered as
a benefit at work, do not compensate for full care but are limited to basic services. However, according to the data of the Statistics Poland (GUS), their prices are growing dynamically. When analysing the prices of private medical services in 2021, GUS showed that they were increasing every month. For services provided by medical facilities located in smaller and large cities, the prices were as follows: January (PLN 134.66), February and March (PLN 135.55), April and May (PLN 136.19 and PLN 136.44), June and July (PLN 137.59 and PLN 137.66), August and September (over PLN 138), October and November (PLN 140).

However, this is not the end of increases, as indicated by the data from the beginning of 2022:

paediatrician – the average price is PLN 180,

dermatologist – PLN 200,

cardiologist – PLN 300.

In March this year, the prices of medical services were higher by 12.5% than a year ago, dental prices increased by 13.3% and hospital and sanatorium prices – by 11.3%. Last year’s data from PMR Private Healthcare estimated private medical expenses at almost PLN 61 billion and, according to forecasts, they are to increase to PLN 79 billion in 2024.

As pointed out by medical facilities, limited human resources are the most important reason for the increases. According to OECD, there are 2.3 doctors per 1,000 inhabitants in Poland. This is the worst result in the entire European Union. Forecasts indicate that in the next few years, the number of paediatricians, gynaecologist and dermatologist in Poland will decrease.

Can we find a way to cope with galloping inflation? Yes – by choosing reasonable, thoughtful and safe medical insurance which guarantees free access not just to one but to all medical facilities and, additionally, which is resistant to significant price increases. MediSky International has increased the prices of its services by less than 3% in the last two years. It is a phenomenon not only in Poland but also in Europe. The main factor of such an approach is that the insurance policy gives a sense of security to everyone who purchased it. MediSky guarantees access to all medical facilities and the best specialists around the world. Without queues and unnecessary formalities. It is possible to make appointments to doctors of all specialisations who are licensed to practice and issue a bill or invoice for their services. The policy includes also physiotherapists, dentists (selected packages), psychologists and psychiatrists.

My proposition: Fortunately for MediSky clients, solutions, standards and high quality of the offered services will remain at the highest level and health, as the greatest value, will be a priority not subject to inflation.

Telemedicine today – a new stage in the provision of medical services.

The rushing world entails a series of changes and developing technologies. Although, it would seem that many of them were created literally a moment ago, they have been actually dynamically developing over the years to have an impact on the everyday life we know today.

History of telemedicine

One of such discoveries, appreciated especially in the 21st century, is telemedicine. It is defined as providing medical services and healthcare by means of telecommunications and IT. It was used for the first time in the 1960s in the USA as an emergency aid in unpredictable situations as well as an alternative to consultation-only medical appointments. Over time, this branch of medicine has developed and offered an increasing range of services. Currently, thanks to telemedicine and teleconsultations, we are able to devote more time and attention to our health.

When considering medical services via telephone or the Internet, we often doubt the reliability and professionalism of the help we receive. We are worried that, without a careful examination, the doctor will not be able to diagnose our symptoms or will do it incorrectly. Are our concerns legitimate? Nothing further from the truth!

The doctor who is on the other side of the phone or computer pays maximum attention to us and our problem, trying to provide answers to all our questions and concerns. In fact, it is not only the form of teleconsultation itself but also a huge number of possibilities, thanks to which we can control our body on an ongoing basis, discuss available prophylaxis or consult in the event of an emergency or anxiety.

In order to be able to take care of ourselves and our health, we only need access to a telephone or computer. We do not need to go to a clinic for this purpose, so we are able to do it anytime and anywhere. A quick consultation often allows us to regain peace and focus on possible further actions. To this end, we can choose from a group of various specialists, such as internists, cardiologists, dermatologists, gynaecologists, paediatricians or even midwives.

The benefits of teleconsultations without losing any substantive value

By using telemedicine, we gain a full range of benefits resulting from the simplicity and comfort of this solution. This option is especially useful for people who do not have the opportunity to make a traditional visit or need a quick consultation regarding their health. However, there are many more advantages that could answer the following question: “Why should I come around to teleconsultations?”. We provide some of them below:

Possibility of emergency assistance and quick medical consultation

The main advantage of telemedicine is the fact that thanks to it, we are able to quickly obtain a referral for check-ups or a visit to a specialist and a prescription for a drug. This is an undoubted advantage for people who cannot go to
a clinic in a short time or need help in getting there.

Easy access to specialist medical care from any place in the world

It is especially important for people living in villages and smaller towns who need transport to get to a hospital or clinic. This aspect is also significant for people travelling or currently staying abroad who do not have access to local medical facilities. And it is also a solution for elderly people who require assistance in transport or people with lower mobility. Apart from the fact that telemedicine has no location-related limits, it is also not limited in time.

Improved control of the patient’s condition

Thanks to teleconsultations, we are able to maintain greater control over the patient’s well-being. More frequent medical interviews allow the doctor to observe the patient remotely and dispel their doubts on a regular basis. It is especially important in the case of chronic diseases and sudden health changes.

Safe form of consultation

When visiting a hospital if it is not necessary, we expose ourselves not only to queuing and crowds in the clinic but also to contact with sick people. If their symptoms are related to an infectious disease, our immunity may be put to the test. Telemedicine solves this problem and allows us to avoid unnecessary risk, thanks to which we are sure that our health is not threatened.

Home Doctor has recently become a MediSky partner. Thanks to this cooperation, MediSky customers are provided with convenient and cashless access to professional telemedicine services.

Doctors can be contacted from any place in the world, 7 days a week between 7 am and 10 pm. Therefore, patients are able to obtain telemedicine assistance in emergency situations requiring consultation with a specialist, instead of waiting for a distant appointment date. HomeDoctor provides access to over 20 medical specialties. If you want to arrange a teleconsultation, just call +48 688 79 25 (the number is available every day from 7 am to 10 pm).

Knowledge at your fingertips – a few facts about e-learning platforms

Employee development through training in companies has been affected significantly by the unforeseen pandemic. Life abhors a vacuum, which is why e-learning platforms are booming. They have become not only a place for learning or increasing qualifications, but also a platform for contacting business partners and clients.

Firstly, we have to answer the question: What is e-learning? In short, it can be described as a network transfer of skills and knowledge to many recipients simultaneously.

What are the advantages of e-learning?

Operation on any device with Internet access

Global reach – conducting and participating in training from anywhere in the world

Higher teaching efficiency thanks to modern tools such as: presentations, animations, chat, screen sharing, whiteboard, gamification, VR and AR, tik-tok learning

Savings on logistics, training rooms etc.

Tests consolidating the acquired knowledge

Standardisation of knowledge and repeatability of e-learning courses for the entire organisation – school or company

Companies see the potential not only for their employees, but also for business clients. A wide range of services ensures high flexibility which, in turn, makes it possible to successfully use e-learning in every industry. It is also a great alternative to conferences and trade fair. Traditional meetings, in which we took part with great pleasure until recently, can be transferred to online reality without prejudice to the knowledge shared during them.

Another interesting solution is to provide contractors with access to a platform for learning and exchanging materials. This is a business model that clients use already. When does it work? For instance, when a company has an extensive sales network and wants the points distributing its products to gain access to detailed knowledge about each of them. Another possibility is to promote company’s products in a certain way by sellers or intermediaries.

A similar solution is used by the MediHelp Academy, which serves as the collection of information about the company, its products and their functional rules as well as the benefits of having private health insurance. It is a very good tool, e.g. for brokers who will find tips on sales techniques adjusted to health insurance, which may result in acquiring new clients. The courses offered by the MediHelp Academy include useful documents and videos to help users better understand the world of international private health insurance. Interestingly, the entire training process ends with an exam. Everyone who completes the course and passes the exam will receive an appropriate certificate.
A potential client will learn step by step how to fill in the form, use the policy and the Health Card. 

Second medical opinion – interview with Iulia Apostu

The second medical opinion consists in verifying the accuracy of the diagnosis and the treatment proposed so far. Its task is to confirm or rule out a previously made diagnosis. Such a solution is provided by the MediSky Health Card, which, apart from the second medical care, also provides concierge services. What are these services, what are the benefits and how to get them, explains Iulia Apostu, Chief Operating Officer France Sugery.

What does France Surgery do?

I.A.: – France Surgery is a virtual health assistant that connects International Patients with a network of highly renowned Specialists, Healthcare Facilities & Health Insurers in Europe. We provide innovative healthcare services such as Second medical opinion & medical concierge services in Europe.

Do your services cover customers from all over the world?

Most of our customers come from Europe, Middle East, North Africa, but we address our services to people all over the world. For example, we often receive requests from French expatriates located in China, Canada or USA, or simply from residents located at the other end of the world. The integration of the technological evolutions in our services makes it possible to answer to patient’s needs wherever they are located and whenever they need it.

Who are your services dedicated to?

Our services are dedicated to international patients in search of a better quality of healthcare, at affordable prices and/or with shorter waiting lists than in their country of origin. They can be self-paid patients, but more and more of them have now international healthcare insurance policies, covering for their healthcare services abroad.

What is a Second Medical Opinion?

A Second Medical Opinion is a medical service requested by a patient after he’s received an initial diagnosis or treatment plan for a medical condition. Especially in case of a serious health problem (but not only), the patient may decide to address himself to one (or several) other specialist(s), who will then review the patient’s medical records and give an opinion about the patient’s health problem and how it should be treated. A second opinion may confirm or question the first doctor’s diagnosis and treatment plan, give more information about the patient’s disease or condition, and offer other treatment options.

What diseases are included?

We cover 37 medical and surgical specialties in our network. You may find a comprehensive list here below:

Cardiology

Dermatology

Endocrinology

Gastroenterology

Gynecology

Hematology

Infectious diseases and tropical medicine

Sport medicine

Internal medicine

Nephrology

Neurology

Obstetrics

Oncology

Ophthalmology

Pediatrics 

Psychiatry

Addictology

Tabacology

Shoulder surgery

Foot surgery

Hip and knee surgery

Hand and upper limb surgery

Spine surgery

Sports surgery

Trauma surgery

Plastic reconstructive surgery

Vascular and endovascular surgery

Digestive or visceral surgery    

Obesity surgery   

Pediatric surgery

Neurosurgery   

ENT  

Stomatology  

Urology

What documents does the client need to have to obtain a second medical opinion?

We request a complete medical file, including a health questionnaire adapted to each pathology we cover and the most recent medical imaging of the patient. Medical reports may also be necessary. In some complex cases, our specialists request the complete medical history of the patient.

What are concierge services?

Medical concierge services are a comprehensive range of services we provide to our patients, to ensure peace of mind for them and their families. Our dedicated team of patient coordinators combines the patient’s specific medical needs, choices, religious and cultural expectations into a tailor made experience to make him feel as comfortable and relaxed as possible during his medical travel.

Among our concierge services, we provide:

Flight booking

Arrange pick up/Drop off from airport (and special transport if required)

Accommodation booking nearby the hospital

Delivery of medication

Visa Assistance

Check-in/check-out at the hospital.

Meet patient at the hospital, take care of patient’s relatives. Contact family members in case of emergency….

What are the costs on the client-side?

It depends on each patient’s international healthcare policy. Some policies may cover a part or all our services, other may not.  

What conditions should the client meet to be able to use the service?

In which countries is the concierge service provided?

For the moment, we provide these services in France, UK, Spain.

Can the documents be sent in Polish or do they need to be translated?

Indeed, medical documents can be sent to France Surgery in Polish. However, there will be an extra cost for the translation of these documents in English / French.

Regarding the SMO Report provided by our specialists, this is always sent in English.

Why our clients should use France Surgery services?

France Surgery is a double-certified medical facilitator (by both American and German institutions), and one of the very first European actors on the international medical assistance market. We have the largest network of medical providers, with over 120 healthcare facilities & more than 1500 specialists connected to our secure telemedicine platform, DigiMED.

Our main value comes from the perfect combination of on-site assistance, provided by our highly experienced Patient Coordinators & a virtual assistant, represented by our totally secure e-health platform, whose primary purpose is to place patients, doctors, healthcare facilities, health insurers all in contact with each other, for an active case management.

We have managed hundreds of medical cases over the years, all with the same passion and quality for service.

See also Webinar about second medical opinion and concierge services.

Polish healthcare system from the perspective of Ukrainians

24th February 2022 – the day of the Russian aggression which turned the lives of our neighbours into a nightmare. A lot of them were forced to leave their country and many found refuge in Poland. Unfortunately, the problems that they left behind in Ukraine have been replaced by others – in our country.

For three months, our new citizens have been struggling with housing, economic and health problems. In particular, women and children are in a special situation because they are the ones who mostly left their country. Money can be obtained as well as an apartment but the most important thing for people is their health, so we should look at the situation of Ukrainians in a broader context, namely the medical one.

Polish reality

Let’s look at the numbers that affect every Ukrainian man and woman. Currently, the life expectancy of a Ukrainian man is 67 years and of a Ukrainian woman – 77 years. A particular challenge is the high mortality of working-age people and health inequalities depending on the social and economic status. The risk of death from a chronic disease of people aged 30-70 in Ukraine is 35% – for comparison, in Poland it is 25%.

The numbers alone show that Ukrainians must be guaranteed healthcare. Only from the beginning of the war to the present day, between 1 and 1.5 million refugees may have come to Poland – 1.15 million of them are registered in the PESEL system. We should remember that before the war, up to 1.3 million people with Ukrainian citizenship lived in Poland. In the first three weeks of the war alone, over
3 million refugees escaped to Poland. Some of the people who came to Poland left for other EU countries or returned to Ukraine. How does it affect Polish healthcare? This situation will burden Polish hospitals even more.

Help provided to refugees by Poles and the Polish government has been impressive right from the start. Already since April, refugees from Ukraine have been entitled to medical care, including healthcare benefits, on the terms and conditions and to the extent that it is granted to people covered by compulsory or voluntary health insurance. However, refugees do not have the right to health resort treatment and rehabilitation.

Despite the government’s high-profile promises, help provided to refugees has not been sufficient at all levels. “In May, refugees from Ukraine who fled the war face problems in accessing proper healthcare in Poland”, thinks Ombudsman Marcin Wiącek. According to the Ombudsman, the biggest problems for Ukrainians are the following:

  • access to primary healthcare;
  • treatment of patients without medical records;
  • difficulties in accessing health services in the absence of a PESEL number;
  • refunds as part of medicine programmes;

What does the Ministry of Health say to this? “The Ministry plans to create separate medical facilities for refugees from Ukraine. When it comes to regulating the financing of translators’ services, we can read that there is no legal basis for NFZ [National Health Fund] to cover the costs”, said Waldemar Kraska, Secretary of State of the Ministry of Health. He also reminded that not long ago, the Ministry launched the LikarPL application, which is supposed to facilitate medical consultations for refugees from Ukraine. In addition, the Teleplatform of First Contact (TPK) service was extended to include people using the Ukrainian language and the Internet Patient Account (IKP) in Ukrainian was launched.

Despite the government’s efforts, the situation in Polish hospitals is still dramatic. There are many problems: ageing medical personnel, serious staff shortages, long queues to specialist doctors, basing the system on expensive hospitalisation (instead of cheaper outpatient care), ineffective prophylaxis, too late diagnostics, poor financial situation of healthcare facilities and, finally, the lack of
a coordinated approach.

What is the solution to this situation? Refugees and, broadly speaking, all immigrants who came to our country deserve and require medical care at the highest level. The Polish healthcare system has serious problems, the government acts slowly and often ineffectively. According to the analysis of the Statistics Poland (GUS), there were 898 general hospitals in the country in 2020. Statistically, this means that
2.5 hospitals serve 100,000 inhabitants, i.e. there are on average 660 places for hospitalisation for such a population. Not everyone can wait for help.

Solution

What if it were possible to have access to all state and private medical facilities, not only in Poland but also abroad?

Such a solution is offered by MediSky International. MediSky Health Cards will provide our guests from Ukraine with access to the most comprehensive and professional medical care in Poland and abroad. Thanks to the free choice of facilities, each citizen of Ukraine will have the opportunity to use private services without queuing for medical assistance.

MediSky has been supporting the Ukrainian community in Poland since the beginning of the war. Our help is extensive – it is not only about hosting Ukrainians by the company’s employees, but also hiring people to our team. Especially to make it easier for people looking for health insurance, MediSky has created a website in Ukrainian: https://medisky.eu/ua.

Additionally, a person from Ukraine was assigned to serve our clients.

We invite you to visit our specially created profiles on social media.

https://www.facebook.com/MediSky-Ukraine-100676029308920

https://www.instagram.com/medisky_ukraine/


For health abroad with MediSky

Interview with Arkadiusz Piątek, Country Manager of MediSky International sp. z o.o.

Aleksandra Wysocka: Do people really need international medical packages?

Arkadiusz Piątek: Definitely. More than 80% of Poles are not satisfied with the public healthcare system! We are at the very end in the ranking of the European healthcare systems. The situation is slightly improving but we are still far behind the mid-level countries, not to mention countries such as the Netherlands, Germany, France of the Nordic countries.

We should also remember about Covid-19. Although, the pandemic has waned, we know from our own experience that the situation can be different in autumn. Additionally, there is the war in Ukraine. Poles have taken in a huge number of refugees who should be provided with medical care. We also have to deal with high inflation and staff shortages in the medical sector. The public healthcare system is facing a lot of challenges. The medical subscription, which is highly popular in our country, does not provide appropriate availability and treatment of life-threatening diseases. And here, we have a role to play. International medical insurance that we offer is a perfect solution for those who care about the highest standard of private medicine.

Our policies guarantee access to the most modern clinics in the country and abroad, most effective medicines or cutting-edge treatment methods. International medical insurance means comprehensive care which includes first aid, hospitalisation and outpatient services. Such policies practically ensure medical care from A to Z.

What are your experiences on other markets? Is the situation there similar to Poland?

MediSky is part of the MediHelp Group. We are present in the countries of Central and Eastern Europe where the public healthcare system does not provide professional care of the health and life of their citizens.

We have been operating the longest, namely for more than 20 years, in Romania. It is one of the fastest developing economies in the world. The private medical sector is increasingly strong there. Despite that, Romanian people often get treatment abroad. Around 50% of our sales in this country is generated by the broker channel. The remaining part is own sales, from which more than half is constituted by referrals of our current customers.

In Hungary and Bulgaria, we rely almost completely on cooperation with agents and brokers. Our branches have been present in these countries for seven years. In case of serious diseases, Bulgarian people choose Turkish hospitals and Hungarian people are willing to be treated in Austria.

MediSky has been operating in Poland for five years. The biggest part of sales is generated by our office. We want to establish extensive cooperation with brokers and agents, therefore, we will be present at the XXIV Broker Congress in Mikołajki this year. It will be a great pleasure for us to present our cutting-edge offer.

Who is the insurer of your products?

Our partners are local AXA Partners and international AXA Life & Reinsurance Solutions (previously AXA Global Healthcare) from Singapore. MediSky acts on behalf of the insurer, which allows us to cooperate with intermediaries. MediSky is responsible for sales and customer service and AXA covers insurance risk.

This structure is very good for policy holders because they are serviced by the local office and their treatment costs are secured by one of the biggest and strongest insurance companies in the world. In addition, AXA provides round-the-clock assistance and coordinates processes related to the Second Medical Opinion and Concierge Services.

Who buys such packages most often?

Such packages are bought most often by educated people who care about the quality of their life and health as well as the health of their families. They are often owners of small and medium enterprises who are aware of the risks and consequences of not having adequate medical care in case of loss of health. Also the management boards of large companies constitute our target group. HR Departments bend over backwards to provide their managers with additional benefits which have been a kind of standard for a few years.

International medical care is not only a product that stands out on the market, but also a guarantor of safety for companies whose development depends on the health of their managerial staff. Here we count on brokers and agents with B2B clients in their portfolio who might be interested in our solutions.

How does such a package work?

It is very simple. The customer individually arranges a visit in a medical facility of their choosing in Poland or abroad and pays for everything with our pre-paid card. This product is called the MediSky Health Card because one card includes comprehensive healthcare and an useful payment function. We are planning to depart from plastic cards still this year and enable our customers to pay with their mobile phones thanks to a virtual payment card. If it is not possible to pay by card in a given medical facility, the customer can always pay in cash and receive a refund on their bank account within a few days.

What is the difference between your products and other medical products such as e.g. Best Doctors?

Our products provide comprehensive medical care. It is not only round-the-clock assistance and treatment of life-threatening diseases in hospitals, but also outpatient services. There is no catalogue of services, list of doctors or procedures etc.

Every package has its own annual limit of the sum insured, which is very high in each case and amounts to as much as EUR 2 million. Our customers have complete freedom in choosing the place where they want to be treated. They can, for instance, undergo a complicated surgery in the most modern clinic in Switzerland and continue rehabilitation and further treatment in Poland or in any other country in the world, even in the USA.

In addition, our policies guarantee the coverage for the costs of medicines. In practice, it works in the following way: the customer, after leaving the doctor’s office, can go to a pharmacy and buy medicines, paying for the previous consultation and medicines with the MediSky Health Card. In my opinion, it is the most comprehensive and the most convenient solution on our market.

Do you already cooperate with brokers and agents?

We focus on cooperation with intermediaries because brokers and agents have contact with the customers who constitute our target group. We can offer a unique product which is a perfect complement to their portfolio. There are already first brokers who use our policies. Their positive feedback is very important for us.

More than 85% of our customers renew their policies every year, which proves the stability of the portfolio. We provide full sales and post-sales support to brokers and agents. In order to make the offering process easier for them, we developed an online platform where brokers can create an account and then individually prepare initial policy quotes for their customers.

Our newest project is a training platform called MediHelp Academy. It is a place which provides nice and easy access to knowledge about health insurance, sales techniques or product details. We invite all those interested in cooperation with us to training in our office or online. We issue a certificate for completing the training, which counts for obligatory training hours resulting from the Insurance Distribution Directive (IDD).

What are your plans for the Broker Congress?

Already on the firs day, at 7:00 pm, we invite everyone to the performance of an illusionist at the main Congress room. On Thursday, we will be available all day at our stand in the hotel lobby. The culmination point of our participation will be the lecture by the Managing Director of AXA Life & Health Reinsurance Solutions, Laurent Pochat-Cottiloux, entitled “The role of health insurance in the
post-covid era
”. The presentation will start at 11:00 am and will be held in room 5/12. We also planned the drawing of attractive prizes for all participants of this event.

We have never met personally some of our brokers and agents, so we invite them to an individual meeting in room 5/12, where we will be present until the end of the day. As far as I know, also you, Aleksandra, plan to participate in our presentation, which I am very happy about. See you there.

Thank you for the interview.

Aleksandra E. Wysocka