Choose the package that suits you

Private health insurance for entrepreneurs

A benefit previously reserved mostly for large companies — now also available to members of the Pausal.rs community.

Through group private health insurance you can provide yourself, your family members and employees with faster access to private healthcare institutions, regular check-ups and additional medical services, with a simpler process and support throughout the duration of the policy.

Packages differ by limits and additional coverage, and the final price depends on the total number of registered members in the first round of registrations within the group insurance.

When can the insurance be used?

You can use the insurance:

• when you have a health concern or problem
• for regular check-ups and monitoring of an existing condition
• for systematic check-ups

Important information to know

Waiting period

A waiting period (during which you cannot use the insurance) exists only for pregnancy and lasts 4 months.

This means that:

• pregnancies that exist before joining the insurance are not covered
• pregnancies that occur during the first 4 months of the policy are also not covered
• after the waiting period expires, the coverage becomes active

Pre-existing conditions and chronic illnesses

One of the biggest advantages of group insurance is that pre-existing conditions and chronic illnesses are recognized under outpatient treatment.

If you already have a condition that you regularly monitor, you can use specialist exams, laboratory analyses, diagnostics and follow-ups related to that condition, with a clear indication or referral from a doctor.

For the package with a 5,000 € limit, pre-existing conditions are covered under outpatient treatment, but not for hospital treatment related to that condition.

Using the insurance within the network

The insurance can be used in a network of over 900 private healthcare institutions across Serbia.

The process is simple:

1. You schedule an exam through the insurance call center
2. You attend the exam with your card or ID
3. After the exam you sign the claim

Exceptions are:

• MediGroup
• Bel Medic

In these institutions there is a 15% co-payment, meaning you pay part of the cost directly at the clinic.

Using the insurance outside the network

You can also use services of institutions outside the insurance network.

In that case:

• you pay for the exam directly at the institution
• you submit a refund request
• the insurance refunds up to 85% of the cost

Family members and employees

Under the same conditions you can include:

• spouses and common-law partners
• children up to 18 years
• students up to 26 years

You may also include employees.

It is not possible to include parents, siblings or other family members.

How does the application work?

1. Choose a package that suits you
2. Fill in the company and insured persons data
3. Submit the request
4. Once the final price is set and the offer confirmed, the documentation will arrive in your inbox

Our team takes over complete administration, communication and support throughout the process of concluding and using the insurance.