GROUP HEALTH INSURANCE
The success of a corporation is largely based on the productivity and good health of its employees. Today, the fast pace of work and competition are more intense than ever and every employer wishes to ensure the best working environment possible; which will encourage the personnel to be at their best. At the same time, a business faces the lasting challenge of stability of direct and indirect expenses.
At Generali we have the solutions, as well as the experience, that will help you design the appropriate Group Health Insurance program for your personnel, which will not only protect your team, but will also attract new candidates.
The GEB (Generali Employee Benefits) strategic business unit is a world class leader in Group Insurance and specializes in the management of personnel health insurance plans of big multinational companies.
With its headquarters in Brussels and offices in the most significant markets (London, Frankfurt, Vienna, Hong Kong and US) GEB is a leading power in the group insurance sector:
- with more than 1,500 international clients
- with a total of premiums over 1.8 billion
- with a range of 450 international insurance programs
- with presence in more than 100 countries, worldwide
- To offer added security and financial independance to your personnel
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Generali does not only offer a health insurance program with the expertise of a big Insurance Group for your personnel, but also unique services:
GPS – Generali Privilege System
A complete management system of both hospital and out-of- hospital services, with special discounts and free offers in all sectors of medical and paramedical care. GPS offers added value to the benefits of a group insurance program that can be perceived and appreciated by employees. It has been created with the needs of employees in mind: the need to have a clear picture of the insurance program and the services, as well as the contracted clinics and hospitals and the need to access a user-friendly digital environment.
It is available 24/7, 365 days a year and offers guidance for medical issues, useful information for the network of doctors, hospital and clinics. It assures cost efficiency for the employer, as well as the employees – in case they have to pay extra for a procedure. GPS can be freely used by all insured persons under the group policy (insured employee and his dependents), and the company’s HR professionals or Management as well.
- 700 doctors all over Greece, of every specialization
- Direct payment of doctors by Generali, through the use of Health Club - 100% coverage of medical visits, with no need of payment by the insured person
- Direct payment by Generali in Euromedica, Bioiatriki and the Hygeia Network, with 250 centers/clinics in Greece (we are the only insurer that can offer this service)
- A large network of hospitals, where payment is made directly by us
- The most comprehensive solution in E-Services, which facilitates the use of the insurance program by employees and HR Managers.
All the above ensure the fastest service and prompt care as well as the optimal provision of information through the web application.
“MyGenerali” Digital Platform
The “MyGenerali” digital platform is free and available to all insured persons under a group health insurance program. Employees can find the covers of the program, the manual, the filed claims they have made, the progress of a new claim; they can edit their dependents’ info and read other useful information regarding their insurance program.
What else does GPS offer?
Besides the easy management of the insurance covers and useful information, GPS gives you many discounts and offers:
- Free check-up in hospitals and diagnostic centers
- Special prices at diagnostic centers
- Special prices at a network of Physiotherapists
- Special prices for at-home hospitalization
- Discounts at optical stores for glasses and contact lenses
- Discounts at rehabilitation centers
- Discounts for in vitro fertilization
- Discounts at cosmetic medicine centers
Is GPS offered only by Generali? What is it exactly?
Yes. It is an innovation of Generali.
GPS is not an insurance program, but a free service, offered to all insured persons under a Generali group insurance program.
It is a service that has been designed to be user friendly, and facilitate all members of personnel manage their claims and insurance covers and find useful information. It can be accessed 24h a day, 365 days a year and it assures the best cost for the employer as well as the personnel.
What businesses are excluded from the GP group insurance programs?
- Already insured groups (transfer of insurance contracts cannot be made)
- Dangerous professions
- Armed Forces
- Sports teams and sports unions
- Associations and Unions
Can the payment for a GP policy be made in installments?
The payment of the premium for GP packages can only be annual or semiannual.
Can I make changes to a GP group insurance program or separate the personnel into sub groups?
The limits of the coverage of the GP programs cannot be changed. The selected program has to be the same for all members of the personnel. In other words, it is not possible to have different subgroups of personnel under one policy.
Who can be insured by the three programs, GP1, GP2, GP3?
Personnel of 18 years of age up to 70 years of age. Their dependents are also covered by the policies.
Dependents are defined as the spouse (up to 70yrs old) and the children (from 14 days old up to 19 years or 25 years old – if still in university and unmarried).
A completed health questionnaire form is necessary, for any member of the personnel to be included in the group insurance policy.
Who are the three insurance packages, GP1, GP2 and GP3, designed for?
The packages are available only to newly insured groups. A newly insured group is defined as a group that has not been insured for over a year. Minimum number of employees is ten and maximum number is 30, with no limitations in the number of dependents.
If the insured personnel is less than 10, for example 9, it is necessary to have 6 dependents, so the total number of persons reaches 15. In this case however the number of dependents cannot exceed the number of insured employees. The main insured persons cannot be less than 8.
Two or more businesses can be insured under the same contract if the legal representative is the same, and the field of business is the same. For example two restaurants, three bakeries, two clothes stores etc.