Health insurance

Insurance premiums are the price you pay periodically so that you or other insured persons included in the contract can be treated, without taking care of the costs.

The duration of the health insurance contract is one year, with the possibility of renewal for similar periods of time.

NN Health Insurance gives you access to medical services for hospitalisation or surgery, in the hospitals in our network, as well as an amount up to which the expenses are covered. You can also get treatment at any other hospital outside our network, either public or private.

Call 021 9464, the nonstop telephone line and tell us your problem, and if you have already been to a doctor, tell us all about the appointment and the name of the doctor who recommends your treatment in the hospital. We check if your insurance covers you and work out the next steps together. You choose which hospital you go to and which doctor treats you. Once you are admitted to the hospital, you notify us and a medical representative will be next with you. If you have chosen a hospital from the network, the treatment costs are our problem and we pay them directly to the hospital. If you choose another private hospital, which is not in the NN network, you will have to pay all the costs of the treatment. Then, after discharge, we will pay you 80% of the treatment costs authorised in advance by NN, with certain limits that you find in the contractual conditions. The medical documents for payment are, in this case, in your care. If you have chosen a public hospital, we will pay you a fixed amount of money for each day of hospitalisation. Also in this case, the medical documents for the payment of insurance benefit are in your care.

You only pay out of pocket if you use medical services outside the NN network. The amount you pay is a minimum of 20% of the treatment costs.

The waiting period is the time between the date you bought the insurance and the time when you can use all medical services. We talk about waiting in the first year of insurance, otherwise you are covered as long as you keep your Insurance Contract. For hospitalizations caused by illness you must wait 30 days from the entry into force of the insurance. There are some situations for which hospitalisation is covered after 12 months of waiting, such as: nasal polyps, varicose veins, non-cancerous tumours or diseases of the gallbladder. The situations for which hospitalisation is not compensated in the first 12 months of the Contract are diseases that develop over time and are unlikely to need to be treated in the hospital after diagnosis. The full list of diseases for which it is necessary to wait 12 months is presented in the contractual conditions. Most hospitalizations caused by an accident are covered by insurance from the first day. There are just a few situations for which you have to wait if the accident happened in the first 12 months of insurance. These are: knee diseases, septum deviation, cataracts, vertebral hernia and abdominal hernia.

Să plătești polița de asigurare NN e la fel de simplu ca achitarea unei facturi la telefon sau electricitate. O poți face relaxat, acum mai simplu și rapid, prin intermediul aplicației NN Direct. Tot ce trebuie să faci este să descarci aplicatia de aici sau să o actualizezi.