"Zdravo da ste"

We all understand the importance of taking care of our health. By focusing on prevention, we increase our chances of maintaining good health. However, when medical assistance becomes necessary, having access to quality and timely healthcare services and support is essential.

We want to support you, be your partner, and provide guidance on how to allocate your budget optimally—so that you can afford both preventive care and quick access to a physician whenever needed. Voluntary health insurance covers outpatient and hospital treatment costs, in accordance with the selected coverage options.

• Outpatient treatment – covers the cost of medical services provided at a healthcare facility that do not require an overnight stay (less than 24 hours).
• Hospital treatment – covers the cost of medically indicated treatments requiring hospitalization for at least 24 hours, including overnight stays.

In addition to outpatient and hospital treatment, you can enhance your coverage with the following optional riders:

• General medical check-up
• Ophthalmological and/or dental services
• Physical therapy
• Prescription medications
• Reimbursement for medically indicated hospital stays (hospital days)

The exact scope of coverage and the included healthcare services are defined in your insurance offer and policy

When does the insurance coverage begin?

Your insurance coverage begins 24 hours after the policy is concluded, provided that the full premium or the first installment has been paid.

What should I do if my health issue is covered by the insurance?

In case of a covered health issue, please contact the Medical Call Center at 021 480 22 00, available 24/7, or use the moj.ddor mobile application.

What information do I need to provide when reporting a health issue?

You will need to provide the number of your medical card or the card of the insured person on whose behalf the insurance was taken out (e.g. spouse or child).
Be prepared to describe your symptoms, any similar past conditions, and any treatment you may have received.

How can I check my remaining coverage?

You can check your coverage balance by:

• Calling our Call Center at 021 480 22 00
• Sending an email to zdravodaste@ddor.rs
• Using the moj.ddor mobile application

What happens if the cost of the medical service exceeds the coverage limit or is not included in the insurance?

If a co-payment is required, the cost exceeds the coverage limit, or the service is not included in the insurance package, the insured person will be responsible for paying the full or partial amount of the service.

What is the maximum amount covered by the insurance?

The coverage amount depends on the selected package and ranges from €1,000 for outpatient treatment to €100,000 for combined outpatient and hospital treatment.