My mission is to promote new and highly advantageous solutions for businesses in Poland.One of the most critical employee benefits—directly impacting a company’s budget and indirectly influencing retention and absenteeism (regardless of employment type)—is private healthcare coverage. In today’s employee-driven market, this has become a standard expectation, leading to a surge in providers and service options.But why are giants like Medicover, Enel-Med, and LuxMed increasingly struggling with capacity and service quality?Here’s the issue:
They pre-sell subscriptions, prioritize walk-in patients (who pay out-of-pocket), and then scramble to meet demand—often upselling "VIP packages" to bridge gaps. Meanwhile, corporate clients (and their employees) face long wait times despite prepaid plans.
The Game-Changing Alternative: A "Private NFZ" Insurance
A new model, recently introduced by major insurers, operates like a private version of Poland’s public healthcare system (NFZ). Here’s how it works:
- Employees pay a monthly premium and choose where to receive care.
- Providers are paid after services are rendered (not upfront via subscriptions).
- This incentivizes clinics to prioritize these patients—since they represent additional revenue beyond their prepaid corporate contracts.
15 Key Advantages of This Model
- Access to 3,100+ facilities—including ENEL-Med, Damiana, LuxMed, PZU Zdrowie, and local clinics.
- No medical declarations or questionnaires required (a major plus!).
- No pre-existing condition exclusions—continuous care guaranteed.
- Rehabilitation coverage for both accidents and illnesses.
- Referrals accepted from outside the network (unlike traditional packages).
- Guaranteed access: 24h for GPs, 5 business days for specialists.
- Money follows the patient—clinics prioritize visits to get paid faster.
- Flexible plan changes: First adjustment anytime; subsequent changes every 6 months.
- Post-hospitalization medication reimbursement (up to 1,000 PLN).
- Parent coverage: Optional add-on for parents up to age 80 (protection to age 85—best on the market!).
- Telemedicine included.
- Assistance package (care services).
- Reimbursement for out-of-network treatments.
- Optional occupational medicine add-on (separate quote).
- Tailored solutions—no cookie-cutter plans. Policies are customized to a company’s size, structure, and needs (unlike broker-offered templates).
Note: This option isn’t available to individuals—but employers can offer it as a payroll-deductible benefit.
Interested? Let’s Talk!
If you’d like to explore this further or discuss your specific needs, I’m happy to connect via phone or email. We can also arrange a 30-minute introductory call via Google Meet or Zoom to review details and prepare an individualised proposal.
Looking forward to helping you upgrade your employee benefits!
Adam Zygmunt