OPTIM

The basic package:

• 24/7 access to the AstraMedica Call - Center
• Lab analyses (specimen collection and interpretation) including blood samples
• Lab analyses (specimen collection and interpretation), including urine analyses
• EKG (12 derivation registration)
• Consultations of general medicine and specialist
• Preventive medical examination.

Additional clauses: Ambulance

• medical transport services and emergency medical care
• facilitation of quick access to the hospital

CLASS

Basic package:

• 24/7 access to the AstraMedica Call - Center
• Lab analyses (specimen collection and interpretation) including blood samples
• Lab analyses (specimen collection and interpretation), including urine analyses
• EKG
• General and specialized medicine consults
• Preventive medical examination
• Ambulance
• Medical investigations for diagnosis

Additional provisions:

• Inpatient care services
• Dental work services
• Medical expenses - (drugs, prosthetics)
• Surgery
• Alternative medicine

BUSINESS

Basic package:

• Access to the AstraMedica Call - Center
• Lab analyses (specimen collection and interpretation) including blood samples
• Lab analyses (specimen collection and interpretation), including urine analyses
• EKG
• General and specialized medicine consults
• Preventive medical examination
• Ambulance
• Emergency medical services
• Hospital access facilitation
• Medical investigation
• Additional lab analyses
• Nutritionist consults (endocrinologist)
• Hospital care services

Additional provisions:

• Dental work services
• Medical expenses - (drugs, prosthetics)
• Surgical interventions
• Alternative medicine

Advantages

• Medical counseling and scheduling for the necessary medical services with the UNIQMED medical call center, that is permanently assisted by doctors;
• Insurance plans adapted to the needs of the Insured, customized medical services;
• Preferential access to:
• medical services in the national network of partners, under conditions of maximum comfort
• acknowledged medical skills
• diagnosis investigations and procedures performed with efficient equipment
• Managed care;
• Termination of out of pocket money, as the services are discounted by the insurer.
• FLEXIBLE insurance plans, as each insured may select the coverages it wants, according to its financial needs and options.
• Complex advantages, that include dental work, pharmaceutical, labor medicine and alternative medicine insurance plans, weight prevention and control programs.
• The ASTRA Asigurari insurance products have an extremely advantageous price-benefit ratio.
• All disorders are covered, including chronic, pre-existing disorders.
• The insured is not financially involved, as the discount of the medical services is performed by the Insurer directly to the accepted clinics.
• There is no franchise. There is only one co-payment system for certain types of benefits, however it is particularly advantageous for the client, as the insurer covers 60-80% of the respective costs.
• They have both a preventive component, for the diagnosis of the illness without hospitalization, with hospitalization, as well as medical, surgical and prosthetic treatment.
• The diversity of medical service suppliers throughout the country to which the insured persons may have access.
• There are no exclusions on practicing sports, hobbies or jobs with high degrees of risk.
• The 2 month waiting period is only specific for hospitalization, in case of illness and it is eliminated in case of an accident.

The advantages of private health insurances compared to the subscription system

• The price/benefit ratio is extremely good in comparison to medical subscriptions. The coverages are complex.
• Deductions - Private health insurances shall benefit from tax deductibility within the limit of Euro 250 per year, for each insured employee.
• Network - The insured persons benefit from an expanded network of medical service suppliers with the insurer’s partnership system.

Medical subscriptions place greater emphasis on the preventive role, while the ASTRA Asigurari health insurance plays both a preventive, and a curative role.