INSURANCE CONVENTIONS

The Gruppo Otologico provides surgical healthcare services in agreement with most of the major insurance and fund organisations that manage policies or supplementary forms for the reimbursement of benefits. The Supplementary Healthcare Office is available every day to check if you are eligible for Supplementary Healthcare benefits and is open Monday to Friday from 8:00 to 17:30. For more information contact:

List of Conventions

SUPPLEMENTARY HEALTH CARE

Supplementary healthcare is a form of protection that allows supplementing and/or replacing benefits within the framework of medical services. It can be stipulated independently or it can be part of the benefits that companies make available to their employees, or it can be part of the rights provided for by the National Collective Labour Agreements (CCNL), the Supplementary Company Agreements and the regulations of the various Professional Associations.

WAYS TO BENEFIT FROM SUPPLEMENTARY HEALTH COVER

Many employees, freelancers and artisans are often unaware that they have acquired supplementary health insurance cover with all the benefits associated with it through their professional activity, even though they contribute to it every year through their work. At present, more than a quarter of the Italian population has supplementary health cover, which can help patients to receive better care and reduced waiting times, but does not take advantage of it. There are essentially two ways to join and benefit from supplementary health cover:

  • Automatic: in many cases supplementary cover is already provided for in the National Collective Labour Agreement (CCNL). In this case, when you sign your employment contract you are automatically enrolled in the fund chosen by the company where you work;;
  • voluntary: this occurs in cases where the employment contract provides for the protection of supplementary care, but in order to define the coverage, it is necessary to enrol, or in the case of individuals working independently, it is possible to take out a health policy.

It is essential for the patient to check his or her supplementary health insurance position in order to benefit from the appropriate health care, which can be summarised as three macro-categories:

Supplementary Health Funds

These are collective or company funds dedicated to health care as established by the National Collective Labour Agreement or directly agreed with the company where one works. Often the employee is already covered but has no information about it.

Institutions, Funds and Mutual Societies

These are professionals registered with their respective registers or mutual aid societies, social security bodies active in covering health care expenses with a welfare purpose.

Insurance and health policies

If an insurance or health policy has been taken out, expenses are covered up to the maximum amount agreed with the insurance company. Our Supplementary Healthcare office is available every day to check if you are eligible for Supplementary Healthcare.

THE TWO TYPES OF CONVENTIONS

Conventions can be of two types:

  • direct agreement: the institution that has an agreement with the facility assumes direct responsibility for payment, in full or in part, of the services provided for its patients;
  • indirect convention: the patient, taking advantage of favourable economic conditions, pays in full for the services provided at the facility and can subsequently request reimbursement, in full or in part, from his or her insurance company.