PRIVATE HEALTH INSURANCE

in parteneriat cu

Private health insurance

Clinics

Emerency Laboratories
System

Strategic
An integrated
partnership ecosystem
Experience in France, where Over 60.000 Pediatrics 21 YEARS Imaging
they are the most important insured EXPERIENCE
player on the private health
insurance market persons
Central
Bank Hospitals
of cells

Maternities
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Better Health Better results

People Business results

Successful companies recognize the strong relationship between employee

well-being, a more fully engaged workforce and improved business results.
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Benefits of health programs (1/3)

1. Reduces absenteeism
- Prevention helps in reducing the number of health incidents and allows us to treat
the disease after it’s first symptoms.
- Given that there are financial resources for any costly investigation the diagnosis
can be determined quickly.
- Health care solution helps the employee to fix the health problems and return to
work.

2. Boost employee engagement

- Whatever an employer can do to improve morale, and health benefits are definitely
part of that, makes employees feel more positive about their work and about their
employer.
- Improve the employee quality of life.
- Possibility to add in the company Health program the family members.
- It sets a good example (company family).
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Benefits of Health programs (2/3)

3. It helps attract and retain the best employees

a) Most important criteria when choosing the employer

1. Salary package and benefits 47%
2. Company image 36%
3. Training programs 36%
4. Job security 35%

b) Top fringe benefits

1. Medical insurance 57%
2. Financial support for trainings 43%
3. Meal tickets 34%
4. Flexible working program 30%
5. Christmas and Easter Bonuses 28%

Source: Catalyst Consulting study 2013 (8,762 respondents from Bucharest and country)
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Benefits of Health programs (3/3)

4. Reduced financial hazard for employees

- If something unforeseen happen, a major illness or injury, few people would have
the financial resources to cover the cost without health insurance.
- Health insurance mitigates the potential catastrophic effects of healthcare costs in
the family budget.
- With health programs the healthcare costs became predictable, reducing the
financial risk for employees.

5. Cost effective

- Collective insurance cost less per person than individual plans as the risk is
spread over the entire group rather than one person and there is no anti-selection.
-Tax deductible for the employer in the limit of 400 Euro/employee/year-currently.
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The Private Healthcare Insurance combines the advantages of the two large
categories of healthcare services : inpatient and outpatient.

According to the employees’ needs, but also to the company’s priorities, a healthcare
insurance package can be configured while choosing the most adapted services :

Inpatient services Outpatient services

• Surgical interventions in the Regina • Annual check-up
Maria network and outside the network • Consultations at the generalist physician
• Consultations at the specialist physician
• Hospitalization in the Regina Maria • Laboratory tests
network and outside the network • Diagnosis
• Dental care
• Birth within the Regina Maria network • Vaccinations
and outside the network(both in private • Ambulance transport
and state networks) • DAVID medical recovery

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Additional Special Services
What is Different about us? 8

1 SPECIALIZED
CONSULTANCY

ACCOUNT MANAGER – Dedicated team

GROUPAMA & REGINA MARIA
Committed, with relevant experience for each
company and specialized by industries, being
there for the company starting throughout the
entire duration of the contract.
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Additional Special Services
What is Different about us? 9

2 CUSTOMIZED MEDICAL
SERVICES

PATIENT CARE CASE MANAGEMENT INTERNATIONAL DESK

Dedicated programming of You benefit of guidance Easy access to
consultations, investigations, when you need care outside international medical
medical procedures. the private healthcare services for complex
Careful monitoring of system. cases that cannot be
treatments and investigations We facilitate access to state treated in the country.
until the completion of the healthcare services system
case. through our partnerships.
Additional Special Services
in parteneriat cu

What is Different about us?

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3 DIGITAL ACCESS TO
INFORMATION- MOBILE APP

You have always with you all the medical information you need for your
comfort and your time:
Examinations: you see the existing appointments
Analyses: you see the results and you verify their evolution in
time
Alerts: remind you when to take your medicines
Medical news and advices: you find out useful medical
information and you daily read the Advice of the Day written
by our experts
Your medical team: you have at your disposal all the
physicians you have visited within the network, you can give a
feedback about them any time
Locations: you find the location closest to you, among our 24
own locations in Bucharest and in the country
What is Different about us?
in parteneriat cu

The Best Physicians for your team

Regina Maria has the largest medical expertise thanks to the team of more than 1700 physicians, among 11
whom:

Quality of medical services

600 primary physicians

more than 125 doctors in medical sciences Trust in medical services
39 university professors and lecturers
physicians

The best maternity

**According to MedNet (march-april 2016) market survey and GFK (november 2015), in the private healthcare system
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Access– in Regina Maria network - Hospitalization
(Cashless claims process)

1 2 3

Preauthorize and Hospitalization Payment done

confirm your by Groupama
coverage directly to the
hospital

June 21, 2018 12

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Access outside the network –Hospitalization

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1 2 3 4

Preauthorize and Hospitalization Submit Payment done

confirm your claims file by Groupama to
coverage the insured in
max 15 days
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Access to Outpatient services
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1 2 3

*Book an Payment
Go the clinic for
appointment at a done by
treatment
clinic inside the Groupama
network

* During the weekend go directly to the clinic, pay the cost ,

submit claim file and be reimbursed
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 Dedicated Call Center – 021/9767- appointments in real time, information

about your medical plan, claims file, feedback

 Medical Hotline – 24/7

0722.456.711 – Adults (Bucharest)
0724.353.545 – Children (Bucharest)
0724.239.337 – Adults and children (Romania)
Integrated emergency in parteneriat cu

system
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• Medical hotline 24/7: an emergency

physician provides non-stop
emergency assistance: provides a
medical advice, indicates an
Medical Hotline Medical Advice examination in the emergency room or
Emergency assistance Medical guidance he send an ambulance
by telephone by telephone

• Ambulance 24/7 at home or at

company’s headquarters: the patient
Ambulance Emergency Room receives treatment on site or he is
At home or within the Emergency examination/ transported by the ambulance
company interventions/ admission

• Access in our hospitals’ emergency

Treatment on site
Patient taking, stabilization rooms
Monitoring by
and transport
hotline physician
• Medical Advice: medical guidance by
telephone for less serious situations,
Transfer to state hospital for the cases which can be managed by the patient
which are not managed in the where he is
private system
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 Accessibility
• Direct access, without preauthorization or limitation for consultations for
prevention, chronic diseases, acute aches
• Direct access to specialist doctors, without generalist / family doctor
recommendations

 No Waiting period
for ambulatory medical services
for hospitalization, for groups over 100 persons
Results after 4 ½ year from the launch of the product
in parteneriat cu

- Portfolio of more than 63,000 insured persons (employees of corporates

and SMEs and individuals

- 3rd place on private insurance market in Romania (~20% quota share)

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Thank you!