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The following is an excerpt.
There is no obligatory state medical insurance. Medical help is free of charge in theory, but in practice, there are many out-of-pocket expenses with the state system, or you need private insurance to pay medical bills.
Voluntary Medical Insurance
This is a prevalent solution to provide a sufficient level of medical help for employees. It is primarily available in the form of group medical insurance for corporate clients. Medical insurance for individuals is less affordable.
Typical medical insurance plans include:
- Out-patient treatment
- In-patient treatment
- Emergency care
- Providing medicines
- Dental care
Additional options include treatment of critical illnesses, preventative check-ups, vaccination, maternity benefits, etc.
The employer usually pays premiums, and costs depend on group size, the level of clinics covered (state/ departmental, different levels of private clinics), and the scope of the medical plan.
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