Zdravo da ste

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

We want to support you, to be your partner, to provide advice 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/hospital treatment costs, in accordance with the selected riders. 

• Outpatient treatment, covering treatment costs incurred at a healthcare facility (by the healthcare service provider) for treatments not requiring stays longer than 24 hours.   
• Hospital treatment, implying hospitalization of the insured person for at least 24 hours, i.e. overnight stay. It covers medically indicated treatment costs. 

With our covers of outpatient/hospital treatment, you can opt for the following riders: medical check-up, ophthalmological and/or dental services, physical therapy, prescription medications, reimbursement for medically indicated hospital stay (hospital days). 

The stipulated scope of coverage and included healthcare services are specified in your offer/insurance policy.

When does the insurance coverage begin?

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

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

If you experience a health issue covered by your insurance, you must contact the Medical Call Center at 021 480 22 00, available 24/7, or use the moj.ddor application.

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

You will need to provide the number of your document (medical card) or that of the insured person on whose behalf you took out insurance (spouse or child). Additionally, be ready to describe the difficulties and symptoms you’re experiencing, any previous similar situation, and the treatment you were prescribed.

How can I check the remaining coverage? 

You can check the remaining coverage by calling our Call Center at 021 480 22 00, by sending an e-mail to zdravodaste@ddor.rs, or by using the moj.ddor application.

What happens if the price of the medical service exceeds the limit or isn’t covered? 

If co-payment is required for the services provided, if the price of the service provided exceeds the limit, or if the service provided isn’t covered by the insurance, the insured will pay for the services provided or cover a portion of the cost.  

What is the amount covered?

Coverage depends on the selected package and ranges from 1,000 euros for outpatient treatment to 100,000 euros for outpatient and hospital treatment.