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Product Information about STUDIUM health insurance of Generali
About STUDIUM insurance
Insurance product STUDIUM of Generali Insurer provides service-financing health insurance coverage in the area of the Republic of Hungary to individuals of foreign citizenship who are at least 18 years of age, enjoy no social insurance coverage in Hungary, are less than 65 years of age and for whom, as the Insured, STUDIUM contract is concluded. This insurance provides coverage to the Insured for the cost of medical treatment, procedures and care, the cost of medicines and therapeutic aids, further, where medically justified, the cost of patient transport, provided that such service(s) are used at, or with the knowledge of, the designated health care provider, or in medically justified cases of emergency, the cost of the above mentioned health care service(s) used by the Insured at a health care provider or institution other than the designated one.
In connection with the insurance coverage, you can read details in document Terms and conditions of STUDIUM service-financing health insurance. With regards to the insurance coverage, please note that there are exclusions and cases of relief in which case the Insurer has no benefit payment liability. Please read the relevant information carefully.
Further important information about the insurance
Regional scope: Hungary.
Term: the insurance period for the Insured is defined in the insurance contract (6-month or annual). The start of the insurance period cannot be earlier than the day of concluding the insurance contract, and the Insured can have only one valid STUDIUM insurance contract in any period.
Risk bearing: throughout the insurance period, from its first day, provided that the premium has been paid for such period for the Insured. This means that there is no waiting period.
Limit: HUF 2,000,000 for each insurance period. This means that the Insurer will pay up to two million forints from the cost of the medically justified health care services used by the Insured during the insurance period (from this, the maximum amount paid for medicines and therapeutic aids is HUF 200,000).
Deductible: the Insurer will pay 50% of the medically justified medicines and therapeutic aids, which means that the deductible payable for these is 50%. The Insurer applies no other deductible.
Premium: The premium is payable in one sum at the time of the contract conclusion.
Designated health care provider, data of the outpatient clinic and consulting hours:
Gyógyír XI. Nonprofit Kft., 1117 Budapest, Fehérvári út 12., Hungary
The name of the clinic is ‘Újbudai Egészségcentrum’ (Health Centre of Újbuda). When you enter, turn left and register with your card and passport at ‘Betegirányítás’ (Patient Registration).
Consulting hours
(duty, health consultation): Monday - Friday: 08.00 – 20.00
If you feel sick, first please call one of these doctors on weekdays from 8:00 to 20:00, they will guide you what you need to do: Dr. Horváth Péter or Dr. Szekeres Orsolya available on the following mobile phone numbers: (+36) 30/678-6450, (+36) 30/815-2218. Both of them speak English.
Other time (clinic is closed, weekends, bank holidays, nights) Főnix S.O.S Rt provides emergency service at its outpatient’s department at 1115 Budapest Tétényi út 12-16. Phone number: (+36 1) 203-3615. In case of need (also in emergency) you can call this number and go there for treatment. (In the building of Szent Imre Hospital.)
In urgent and emergency cases Főnix SOS Rt provides health care service after general consulting hours, at weekends, bank holidays, and nights. An urgent case means that the problem needs immediate medical treatment which can not wait until the consulting hours.
An emergency case means a drastic change in the health condition of the Insured, as a result of which, without medical treatment, the life of the Insured would directly be exposed to danger or the Insured would suffer serious or permanent injury.
Except for emergency treatments, the insurance company covers the cost of only the treatments which are carried out by GYÓGYÍR XI NONPROFIT Kft (1117 Budapest, Fehérvári út 12.) or hospitalisation ordered by this health centre.
Invoice submission and payment:
Gyógyír XI. Nonprofit Kft., H-1117 Budapest, Fehérvári út 12., Cash Office 008, basement
Customer hours: Monday: 13 – 15
Tuesday 13 – 15
Wednesday 08-10 és 13-15
Thursday: 13 – 15
Thursday: 08 - 10
Provider recommended in the case of medical emergency:
FŐNIX SOS Zrt., Budapest XI. Tétényi út 12-16., Hungary
Telephone: (+36 1) 203-3615
The Insured is not required to pre-finance the cost of medical care received at or through the designated health care provider; in this case, the Insurer and the institution providing the medical care will settle the cost of medical treatment of the Insured directly, or through the designated health care provider.
Documents for this insurance: for the conclusion of the insurance contract a self-copying duplicate statement plus an insurance card must be completed. The statement is in English, as we offer our STUDIUM product to foreign citizens speaking English. The card is bilingual (English and Hungarian), because the card is intended for the Insured with a good command of English plus provides insurance information, mainly for emergency cases, to the institution giving medical care. On the statement and on the card, personal information enabling the identification of the Insured and indispensable for contract conclusion must be given completely and accurately; further, they include the major data of the insurance (validity, premium, serial number, etc.). When completing the statement, it is enough to complete the upper form of the self-copying duplicate package, as the data will be copied to the duplicate at the time of the completion (please use a pen and apply sufficient pressure). However, please note that the Policyholder and the Insured must sign both copies of the card and the statement of the Insured in the appropriate columns so that these documents are legally valid and the insurance can take effect.
The original (upper copy) of the statement will be the Insurer’s copy, while the Insured can keep the duplicate as well as the health insurance card. Please note that the Insured should always keep with himself/herself the card and his/her passport because the card is valid together with the passport.
Process of concluding the insurance contract: please read all insurance-related documents (see details below) before the contract conclusion. If you want to conclude the insurance, with the assistance of the insurance agent or the administration officer, please fill in both the statement and the card accurately, sign them at all places as required (see above), and hand over the whole amount of the premium to the insurance agent or the administration officer; you can keep the card (which should be kept with you at all times together with your passport) and the duplicate of the statement, and thereby the insurance takes effect, in other words, it becomes valid.
Further documents connected with the insurance: this product information (in English), insurance conditions (in English), Insurer’s customer information (with the major data of the company, in English).
If, in medically justified cases of emergency, the Insured receives health care at a health institution other than designated, before the start of the medical procedure, but on the day following it at the latest, the designated health care provider must be notified and informed (by the Insured or the health institution providing medical care to the Insured) of where and with which health problems the Insured has received treatment, so that the designated health care provider can contact the doctors and institution or health care provider giving the health care. If the Insured is able to warn the health institution that is treating him/her of their obligation to inform the health care provider, the Insured should do so without delay, so that he/she should receive the best possible medical care as soon as possible. The back of the card also contains information about the obligation of notifying the health care providet for the institution providing the medical care. Appropriate health insurance coverage is required for the residence permit the Insurer’s STUDIUM insurance product is also appropriate for this.
The itemized invoice for the cost of the health care is to be requested and issued for the name of the designated health care service provider (Gyógyír XI. Nonprofit Kft 1117 Budapest Fehérvári út 12.) as well as the name of the Insured, and sent or taken to the above address of the designated health care provider together with all medical documentation related to the health care provided (hospital discharge report, outpatient treatment records). If delivered in person, it should be taken to the cash office of ‘Újbuda Egészségcentrum’ clinic during the cash office hours given above.
If the Insured buys medicines or therapeutic aids in a medically justified case and manner (on prescription by the designated health care provider or, in emergency, by the party providing medical care), the Insured should ask for an invoice about the purchased medicine or therapeutic aid, and on the invoice the name of the designated health care service provider (Gyógyír XI. Nonprofit Kft 1117 Budapest Fehérvári út 12.) as well as the name of the Insured must be indicated, attach his/her bank account number on a separate piece of paper and send it to the designated health care provider in the above manner, so that the Insurer can pay the cost of the medicines and therapeutic aids as soon as possible, after deducting the 50% deductible. Without a bank account number the Insurer is unable to refund any cost.