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Medi-Care

Interrisk

Medi-Care from InterRisk - private health insurance with access to specialists

Medi-Care from InterRisk is private health insurance that provides cashless access to specialists, diagnostic tests, rehabilitation and treatments at Enel-Med facilities throughout Poland. You can choose from 7 variants - from basic Opal to the broadest Diamond. The insurance also includes hospital benefits after an accident (up to PLN 6,000) and medical assistance (up to PLN 5,000). The contract can be taken out individually or as a family, for people up to 80 years old.

🏥 Enel-Med

Cashless delivery of services at Enel-Med facilities nationwide

💎 7 variants

From Opal to Diamond - tailor the range to your needs and budget

👨‍⚕️ 30+ specialists

Unlimited access to specialists without referral

👨‍👩‍👧‍👦 Family

Individual or family insurance, up to age 80

Medi-Care coverage and insurance options

Medi-Care insurance provides cashless access to medical services at Enel-Med facilities throughout Poland. The cost of treatment is paid by InterRisk directly to the Medical Partner's account - you do not have to pay for the visit (except for variants with a surcharge).

  • Consultation of primary care physicians: Internist, pediatrician, family medicine doctor - unlimited visits (starting with the Sapphire variant).
  • Specialized consultation: From 12 specialists (Opal) to more than 30 (Diamond) - including a cardiologist, neurologist, orthopedist, dermatologist, gynecologist, ophthalmologist, ENT, gastroenterologist, endocrinologist, urologist, rheumatologist, surgeon.
  • Pediatric Consultation: Up to 16 child specialties in higher variants (from Sapphire).
  • Laboratory and diagnostic tests: CBC, biochemistry, ultrasound, X-ray, ECG, EEG and more - the scope depends on the variant.
  • Preventive testing: once a year without a referral - glucose, cholesterol, morphology and others (in all variants).
  • Dentistry: Inspections, conservative treatment, dental surgery - available at higher rates.
  • Outpatient Rehabilitation: Physiotherapy treatments after NW or illness (60-day grace period).
  • „One Day” Surgery: Outpatient treatments for up to 72h stay at Enel-Med facility (120-day grace period).
  • Home visits: An internist or pediatrician at the insured's home (from the Ruby variant).
  • E-visits and telemedicine: Online consultation with a doctor via an app - in all variants.
  • Hospital stay after NW: Daily benefit for each day of stay (min. 2 days), max 60 days, SU up to PLN 6,000. Traffic accident: +50% for 14 days.
  • Medical Assistance: Medical transportation, home care, medicines - SU up to PLN 5,000.

7 insurance options - comparison

BenefitOpalSapphireSapphire with tributary.RubyRuby with tributary.EmeraldDiamond
PCPs—✓15 zł✓15 zł✓✓
Adult Specialists122626 (PLN 15)30+30+ (PLN 15)fullfull
Children's specialists—1616 (PLN 15)16+16+ (PLN 15)fullfull
Home visits———✓30 zł✓✓
Psychologist—————3 visits✓
Psychotherapy——————✓
Dietitian—————✓✓
E-visits✓✓✓✓✓✓✓
Preventive examinations✓✓✓✓✓✓✓
24-hour hotline✓✓✓✓✓✓✓
Cooperating facilities✓*✓*—✓*—✓*—

✓ = included in premium | amount = deductible per visit | * = available for additional premium. Options with a surcharge have a lower premium, but require a deductible (15-30 PLN/visit). The exact premium will be determined by a Polisarium advisor - call 325.325.325.

Featured perks of Medi-Care from InterRisk

• Cashless execution - InterRisk pays the Enel-Med facility directly, without billing or reimbursement
• Variants with a surcharge - Sapphire and Ruby with the surcharge have a lower premium, and the deductible is only PLN 15-30/visit
• „One Day” Operations” - Outpatient treatments without a long hospital stay
• Hospital benefit after NW - Daily benefit for each day of stay, +50% for traffic accident
• Mobile app + e-visits - Make appointments, check test results and consult your doctor online
• Family insurance - For the whole family: spouse/partner + children (from 0 years in the family contract)

Insurance premium

The premium for Medi-Care depends on the selected variant (Opal-Diamond), the age of the insured, the form of insurance (individual/family) and the possible deductible (variants with a surcharge). The premium is payable for the entire 12-month insurance period, with the option of installments. The Sapphire with Surcharge and Ruby with Surcharge variants have lower premiums because the insured pays a small deductible (PLN 15-30 per visit). Call us at 325 325 325, to receive a personalized quote.

How do I buy Medi-Care insurance?

  • Contact a Polisarium advisor at. 325 325 325 - The consultant will help select a variant.
  • Choose an insurance variant (Opal, Sapphire, Ruby, Emerald or Diamond) - with or without a surcharge.
  • Enter the data of the insured persons (individual contract for 4 years, family contract since birth).
  • Fill out a health questionnaire - premiums can be adjusted according to health status.
  • Familiarize yourself with the Medi-Care T&C and the Medical Benefits Catalog.
  • Pay the premium - coverage begins the day after payment. You will receive an insurance card.

Key exclusions of liability

Below are the main cases in which InterRisk will not cover the cost of benefits. For a complete catalog, see §5 of the Medi-Care T&C:

  • Diseases diagnosed prior to the date of coverage (preexisting conditions).
  • Mental illness, chronic disease, birth defects and their consequences.
  • Warfare, acts of terror, epidemics, pandemics.
  • Being under the influence of alcohol, intoxicants or psychotropic substances.
  • Treatment of the consequences of participation in medical research and experiments.
  • Gender reassignment, infertility treatment, cosmetic procedures unrelated to NW.
  • Drug costs (except for life-saving emergencies and preventive examinations).

Frequently asked questions about Medi-Care health insurance

When you buy a policy, you receive an insurance card. You make an appointment through the 24-hour hotline, mobile app or Enel-Med website. At the appointment you show your ID card - payment is made cashless, InterRisk settles directly with the facility. In variants with a surcharge, you pay a deductible (PLN 15-30) before the visit.

The 7 options differ in the number of specialists available and the scope of benefits. Opal is the basic variant with 12 specialists. Sapphire He adds POZ and 26 specialists. Ruby Expands to include home visits and 30+ specialists. Emerald adds a psychologist and nutritionist. Diamond is full coverage with psychotherapy. The „with surcharge” options have a lower premium, but require a deductible.

Individuals up to the age of 80. Individual insurance - from 4 years old (Opal variant from 18 years old). Family insurance - from birth (children under 4 only in family form). Family coverage: spouse/partner + children up to 25 years old (studying).

Yes - „One Day” surgery has a grace period of 120 days, outpatient rehabilitation - 60 days. The grace period does not apply when continuing the contract for another year. Other benefits (consultations, examinations, preventive care) operate from the first day of coverage.

At Enel-Med Medical Center's own facilities nationwide. In the Opal, Sapphire, Ruby and Emerald variants, coverage can be extended (for an additional premium) to Enel-Med cooperating facilities. A list of establishments is available on the InterRisk website.

Assistance (SU up to PLN 5,000) provides: medical transportation, nurse's visit, delivery of medicines, child care and home care after hospitalization. It operates on the territory of Poland. Requires contact with the Assistance Center before availing of benefits.

Yes - but only stay caused by accident. Daily benefit for each day of stay (min. 2 days), max 60 days, SU up to PLN 6,000. In case of traffic accident - additional 50% daily benefit for 14 days. Does not include stay in a spa hospital.

Most conveniently through a Polisarium advisor - call 325 325 325 325. The advisor will help select the variant, set the premium and prepare the documents. The contract is concluded for 12 months, the premium is payable in a single payment with the possibility of installments. You can withdraw within 30 days of conclusion.

Documents

You can find the full terms and conditions of insurance, the Medical Benefits Catalog and exclusions in the Medi-Care T&Cs (approved by Resolution No. 05/06/07/2021, effective from 22/08/2021): Medi-Care T&Cs (PDF). Contact a Polisarium advisor at. 325 325 325, to receive full documentation.

Why choose Medi-Care insurance from InterRisk?

Medi-Care from InterRisk is convenient and comprehensive health insurance with cashless access to specialists at Enel-Med facilities. Seven variants - from basic Opal to full Diamond with psychotherapy - allow you to tailor protection to your individual needs and budget. Variants with a surcharge are a way to lower premiums while maintaining a wide range of benefits.

Additional features include hospital benefits after NW (up to PLN 6,000), medical assistance (up to PLN 5,000), e-visits, a mobile app and a 24-hour hotline. Insurance can be taken out individually or as a family - including for children from birth. Contact a Polisarium advisor at. 325 325 325, to select the optimal variant.