Voluntary health insurance

Voluntary health insurance offers individuals access to a broader range of medical services than those covered by compulsory health insurance, as well as payment of indemnity in accordance with the stipulated insurance. The primary focus of this type of insurance is to provide financial support in situations involving dread diseases, serious health complications, or necessary surgical interventions.

Voluntary health insurance plays a key role in ensuring security and reducing financial burdens during health crises. It’s not just an investment in health care but also in your quality of life, providing you with peace of mind and support even in the most challenging moments.

Insurance in the event of dread diseases and surgical interventions (operations)

Insurance in the event of dread diseases and surgical interventions (operations) provides a one-time payment of the agreed indemnity to the insured in the event of a dread disease or surgical intervention, subject to Insurance Terms and Conditions.

Why is this voluntary health insurance the right choice for you?

This type of voluntary health insurance can be concluded as group insurance for all employees, members of the same organization, etc., based on the official records of the policyholder – legal entity, or a list of insured persons. The insurance premium can be paid by the policyholder – legal entity, or by the insured through salary deductions.

This insurance is designed for individuals who are already covered by compulsory health insurance.

What is covered by our insurance policy?

Insurance in the event of surgical interventions covers surgical interventions or operations performed during the insurance period. It includes heart, abdominal, urogenital, orthopedic, and other types of operations or surgical interventions, in accordance with the Special Terms and Conditions of voluntary health insurance in the event of surgical interventions.

You can exercise the rights from this insurance irrespective of where the surgery was performed, whether the costs were borne by the insured, or if they were refunded or reimbursed in another way.

Insurance in the event of dread diseases covers illnesses that arise and are definitely diagnosed during the insurance period. This includes all types of malignant diseases, stroke, heart attack, and other illnesses, in accordance with the Special Terms and Conditions of voluntary health insurance in the event of dread diseases.

The right to the indemnity stipulated under this insurance does not depend on any expenses incurred on any other basis and can be combined with other rights.

Surgical interventions / operations insurance packages

DDOR Novi Sad has prepared an additional voluntary health insurance – Surgical interventions / operations package, which provides a one-time payment of the agreed indemnity to the insured in the event of an operation or surgical intervention covered under the respective Package, in accordance with the Insurance Terms and Conditions. It offers additional security and financial support when specialized medical assistance is needed.

This insurance can be concluded as group insurance, designed for employees or members of the same organization. The insurance premium can be paid by the employer (as the policyholder) or by the insured through salary deductions.

What risks are covered?

The Surgical interventions / operations package covers more than 1,150 different surgical interventions, ranging from complex operations to minor surgical procedures. The insurance can be concluded for the basic package or for multiple surgical intervention packages.

Package 1

Package 2

Package 3

Package 4

Package 5

It covers interventions on the urogenital system, multiple coronary angioplasties, pacemaker implantation, breast abscess incision, hand amputation, emergency tracheotomy, as well as numerous minor surgical procedures across various branches of medicine (reconstructive and plastic surgery, oral and maxillofacial surgery, thoracic surgery, gynecology, etc.)..

It includes catheterization, coronary angiography, hand arthroplasty, thyroid gland surgery, adhesiolysis, conization, hysterectomy, lobectomy, cholecystectomy for inoperable neoplasms, and other procedures.

It covers coronary angioplasty, breast surgery (subcutaneous mastectomy, quadrantectomy), parathyroid gland surgery, cholecystectomy, bowel resection, spleen and hernia surgery, surgery for intestinal obstruction, bilateral adnexectomy, ectopic pregnancy, rhinoseptoplasty, and other interventions.

It includes radical mastectomy, thyroid gland surgery, laparotomy with bowel resection, vascular surgery procedures, lung cancer surgeries, radical hysterectomy, craniotomy for epidural hematoma, ligamentoplasty with meniscectomy, and many other procedures.

It covers the most complex surgeries, including: single and multiple coronary artery bypass surgeries, heart valve replacement, total thyroidectomy, heart, liver, pancreas, lung, and kidney transplants, radical hysterectomy, knee prosthesis, surgery for malignant tumors of the nose or sinuses, and other interventions.

This insurance is subject to Special Terms and Conditions of voluntary health insurance for surgical interventions / operations packages.

Expand your protection – you can stipulate insurance in the event of dread diseases together with the surgical interventions / operations packages, in accordance with the Special Terms and Conditions of voluntary health insurance in the event of dread diseases.

What is not covered by this insurance?

Voluntary health insurance does not cover:

Illnesses that the insured had prior to the conclusion of the insurance contract,
Surgical interventions and operations performed before the conclusion of the insurance contract or those for which the need was determined earlier,
Illnesses, surgical interventions, and operations that are not listed in the Special Terms and Conditions.

Get a quote for your health insurance in just a few steps

The Voluntary health insurance calculator allows you to quickly and easily get the accurate price of your insurance. Simply enter the required data in the calculator, and you’ll receive an email offer with all the necessary information in no time. Take advantage of this convenient tool to explore the options we offer!

Most commonly selected combinations

For those seeking comprehensive protection, DDOR Novi Sad offers the Zdravodaste package – an additional health insurance that is perfect for those who want more. This package provides extended coverage, including medical check-ups, ophthalmology and dental services, physical therapy, prescription medications, and reimbursement for hospital stay.

Frequently asked questions

How are premium and indemnity determined?

The insurance premium depends on the insured sums, the number of insured persons, and the scope of the agreed coverage. A higher number of individuals and larger insured sums may result in a higher premium.

The indemnity amount depends on the agreed insured sum and the type of surgical intervention or dread disease covered by the insurance. Indemnity is paid as a percentage of the agreed insured sum, in accordance with the Special Terms and Conditions.
How to claim your indemnity?

To claim your indemnity, you need to submit a written claim report using the insurer’s form, along with the necessary medical documentation. This includes a discharge summary, a specialist report, and any other documents confirming your illness or the performed surgical intervention.
What determines the indemnity amount?

The indemnity amount depends on the agreed insured sum and the type of surgical intervention or dread disease covered by the insurance. Indemnity is paid as a percentage of the insured sum which corresponds to the category of the performed surgical intervention, in accordance with the Special Terms and Conditions.
When will the agreed indemnity be paid?

The agreed indemnity will be paid to the insured no later than 14 days after the insurer’s liability and the amount thereof has been determined, provided that the required medical documentation has been submitted.

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