Frequently Asked Questions
The benefits of using MediSky health insurance are as follows:
- International coverage.
- Health care available anywhere in the world, including emergencies.
- Freedom of choice: any doctor at the health centre or hospital of your choosing anywhere in the world.
- Hospitalisation and all related costs are covered.
International private medical insurance provides you with the assurance that the treatment you receive will be of the highest standard. By choosing MediSky, you are given access to the best specialists and state-of-the-art facilities anywhere in the world! Without waiting in line or unnecessary formalities. You will be able to make appointments with any specialist, provided they hold a valid professional licence and issue bills/invoices for the services provided. Moreover, the policy covers physiotherapists, dental practitioners (selected plans), psychologists and psychiatrists. All appointments can be securely paid for using our MediSky payment card. Additionally, MediSky will cover the cost of medication and rehabilitation.
Travel insurance provides limited cover that – and this is the key issue – works for the strictly defined duration of a given trip, where the costs are reimbursed exclusively in case of emergencies and accidents. MediSky plans provide comprehensive international cover with guaranteed access to the best specialists 365 day a year, both in Poland and abroad.
An EHIC gives its holder access to health care services in EU member states and certain other European countries. You can use the given country’s health care on the same terms as its citizens.
Therefore, you have to remember that an EHIC gives you access to only those health care facilities that have a contract in place with the local Insurance Institution (that is, the equivalent of the Polish National Health Fund). Furthermore, an EHIC does not provide cover for the cost of medically necessary transport to Poland. On top of which you may incur additional costs as in some countries citizens participate in the cost of treatment. The same rule will thus apply to you.
As much as an EHIC gives you access to health care services abroad, it is to a very limited extent. The protection provided by it may not be enough for you under certain circumstances. On the other hand, the private medical insurance offered by MediSky gives you immediate access to any health care facilities (including private ones) and top specialists, while at the same time covering the cost of transport, medication and rehabilitation.
Health care subscriptions provide access exclusively to a number of specialists that hold appointments at certain health care facilities as defined in the contract. MediSky plans provide our customers with the option to have treatment at any of the hospitals and health care facilities, irrespective of whether state-run or private. They guarantee fast access to the best specialists around and cover all the cost incurred during treatment subject to any chosen plan limitations or deductibles, including the cost of all of the required medication.
Dependent on your chosen plan, MediSky health insurance provides a professional and comprehensive cover, from outpatient care (appointments with specialists) and preventive care, through to cancer therapy, advanced medical procedures, transplants, rehabilitation and dental care.
The cost will depend on the age of the insured person, the range of services covered and the area of coverage.
The area of coverage for your MediSky health insurance is chosen at the moment of purchase of the policy. It usually covers Poland and European Union member states, you also have the option to extend it to worldwide coverage.
You can reduce your premiums by choosing deductibles. This means that the policy holder or the insured person participates in the cost of treatment.
The MediSky health insurance gives you access to any specialist, provided they hold a valid professional licence and issue bills/invoices for the services provided. Moreover, the policy covers physiotherapists, dental practitioners (selected plans), psychologists and psychiatrists.
There are three possible options for paying your premiums: quarterly, six-monthly and annually.
Our office is open from Monday to Friday, between the hours of 9 am and 5.30 pm.
Our Assistance Hotline is open 24/7.
MediSky customers have access to all health care facilities, both in Poland and abroad.
You will be provided with a dedicated MediSky payment card. Alternatively, you can pay using your own funds, and MediSky will reimburse you within 24 hours of you submitting the bill/invoice.
MediSky policies are for 12 months, with the option to renew them annually.
Pre-existing conditions and those where treatment started prior to signing the MediSky policy are excluded from insurance cover.
Dental treatment and preventive dental care are covered under the Saffron plan.
The MediSky health insurance is available to anyone up to the age of 69.
There is no need to run medical tests prior to taking out the MediSky health insurance; however, all our customers are required to fill out a medical questionnaire.
Yes, all you need to do is take out MediSky insurance before the age of 69, and you will be able to renew it annually afterwards.
Yes, the cost of all medication (prescription and over-the-counter medication) prescribed by your doctor is covered by your MediSky insurance.
Children below the age of 18 can be covered by MediSky insurance only if their parent holds a policy with us.
Yes, all cost incurred because of COVID-19 treatment and complications are covered by your MediSky policy as long as the condition is not pre-existing.
Yes, MediSky policyholders have access to telemedicine consultations in Poland and abroad.
What is the difference between private health insurance and the EHIC card?
The EHIC card provides the possibility of using health services in the territory of EU countries and in some other European countries. You can get healthcare in the same way as nationals of a given country.
So you have to remember that under the EHIC, you can only go to medical facilities that have a signed contract with the local Insurance Institution (i.e. the equivalent of the Polish National Health Fund). The EHIC also does not cover the costs of medical transport to Poland. You also have to take into account subsidies - in some countries citizens contribute to the costs of treatment, so this rule applies to you too.
As you can see, the EHIC card allows you to access health services abroad, but to a very limited extent. Such protection will not be sufficient in every situation.
MediSky private health insurance provides immediate access to all medical facilities (including private ones) and the best specialists, covers the costs of transport, medications and rehabilitation.
What is the scope of medical insurance?
MediSky medical insurance is professional, comprehensive care - from outpatient clinics and prophylaxis, through oncological treatment, dentistry, advanced medical treatments and transplants, to rehabilitation.
Where is health insurance valid?
The territorial scope of MediSky health insurance is selected when purchasing the policy. As a standard, it covers Poland and European Union countries, but there is also the possibility of extending the scope of insurance protection to the whole world.
How can I reduce my premium?
It is possible to reduce the premium amount by applying an excess. The excess will result in the policyholder or the insured contributing to the costs of treatment.
What doctors can I use under the insurance?
MediSky health insurance provides access to doctors of all specialties who are licensed to practice and issue a bill or invoice for their services. The scope of the policy also includes rehabilitators, dentists (selected packages), psychologists and psychiatrists.
What is the frequency of insurance payments?
The insurance premium can be paid in three variants - quarterly, semi-annually or annually.
At what times can I contact the MediSky office?
Medi Sky's office is open from Monday to Friday, from 9:00 am to 5:30 pm.
At what times can I contact Assistance?
The Assistance Hotline is open 24/7.
Which medical facilities can I go to?
MediSky clients can use all medical facilities, both in Poland and abroad.
What is international health insurance?
MediSky packages are a combination of international health insurance with global medical care.
Benefits of MediSky insurance:
- Protection at the international level.
- Medical care anywhere in the world.
- Freedom of choice: any doctor, any clinic, any hospital in your country or in all countries in Europe and in the world,
- Cancer treatment coverage.
- Covering the scope of insurance for hospitalization and all related costs
How can I pay for a medical appointment?
You can pay for a doctor's appointment with a special MediSky prepaid card. You can also pay with your own funds, and MediSky will reimburse the costs incurred by you upon presentation of the bill / invoice.
For what period of time do I have the policy?
MediSky health policies are concluded for a period of 12 months with the possibility of annual extension.
How does international health insurance work?
Private international health insurance provides you with the highest level of treatment. By choosing a MediSky policy, you gain access to all medical facilities and the best specialists around the world! No queues, no unnecessary formalities! You can make appointments to doctors of all specializations who are licensed to practice and issue a bill or invoice for their services. The scope of the policy also includes rehabilitators, dentists (selected packages), psychologists and psychiatrists. You can conveniently pay for each visit with a pre-paid card. MediSky also covers the costs of drugs and rehabilitation. MediSky International Insurance is a product of the highest level, giving you the luxury of a head free from thinking about diseases.
What is the difference between inyternational health inurance and travel insurance?
Travel insurance is narrower in scope, and above all, it is valid only for a strictly defined time of departure. Polisa MediSky is professional protection at the international level and access to the best specialists 365 days a year, both in Poland and around the world.
What is the difference between inyternational health inurance and subscriptions?
The medical subscription provides only access to specialist doctors specified in the contract, who see them in indicated medical facilities. MediSky health insurance is the possibility of treatment and hospitalization in all facilities, both public and private, operating in the country and abroad. It also guarantees immediate access to the best specialists and covers all costs related to treatment - even the purchase of necessary medications.
How much does international health insurance cost?
The price of the policy depends on the age, scope of care and the territory of the insurance coverage.
Will my insurance plan cover me if I'm already undergoing treatment?
Diseases diagnosed and illnesses whose treatment began before the signing of the MediSky policy are excluded from coverage.
Do my insurance plan include dental cover?
Dental care is available in the Saffron package.
Does my insurance have age limit?
A MediSky insurance policy can be concluded up to the age of 69.
Do I need a medical examination before purchasing an insurance?
You do not need to undergo any medical examinations before enrolling in MediSky insurance. However, all our clients are required to complete a short medical questionnaire.
Can I continue with my insurance once I reach the maximum age limit?
Yes, all you need to do is sign up for MediSky before your 69th birthday and you will be able to extend your policy after that age too.
Does my insurance cover the cost of medication?
Yes, all medications (both prescription, over-the-counter, and herbal) prescribed by your doctor are covered by MediSky insurance.
Can I only insure my minor child?
A child under the age of 18 can only be covered if the parent has a MediSky policy.