What is a fee-for-service health insurance?
The fee-for service health insurance covers costs of medical and health care services, within the framework of an insurance policy.

Where to purchase a fee-for-service health insurance at ELTE?
You can purchase a fee-for-service health insurance in person at the Quaestura Office of Student Services.

You do not need to make an appointment in advance, you can visit Quaestura Office any time in the office hours.

After the written agreement by and between you and the insurance company (i.e., after completing and signing the insured’s statement), you will receive a health insurance card which is designed to be proof of the insurance coverage at the health care service provider.

NOTE!
The health insurance card is valid only together with your passport; therefore, it is particularly important that you carry both the Health Insurance Card and your passport at all times.

Basic information about the fee-for-service health insurance available at ELTE:
Product name: 
STUDIUM Fee-for-Service Health Insurance

Insurance company: 
Generali Biztosító Zrt (H-1066 Budapest, Teréz krt. 42-44.)

Coverage: 
within the territory of Hungary

Period of insurance:
You can take out the insurance policy for a term of six or twelve months as follows:

Periods of insurance correspond to the length of courses at Eötvös Loránd University.
Periods of insurance are divided into insurance months.

• Period of Insurance I is from September 1 of a given year to August 31 of the following year (12 insurance months).
• Period of Insurance II is from September 1 of a given year to February 28 of the following year (6 insurance months);
• Period of Insurance III is from March 1 of a given year to August 31 of a given year (6 insurance months).
• Period of Insurance IV. is from March 1 of a given year to February 28/29 of a given year (12 insurance months).

Premium of insurance:

• Period of Insurance I (12 insurance months) HUF 96,000/person
• Period of Insurance II (6 insurance months) HUF 48,000/person
• Period of Insurance III (6 insurance months) HUF 48,000/person
• Period of Insurance IV (12 insurance months) HUF 96,000/person

Limit: 
HUF 2,000,000

The insurance company shall pay a maximum of two million HUF to cover the costs of medical and health services received by the insured in medical necessity during the insurance period/policy term specified on the insured’s statement:

• of which maximum HUF 100,000 may be paid to cover the costs of medications,
• and maximum HUF 100,000 may be paid to cover the costs of medical equipment.

Deductibles:
The insurance company shall pay 50% of the costs of medicinal products and medical aids purchased or received in medical necessity, so these costs shall be subject to 50% deductibles. Other deductibles shall not be applied.

How to apply for medical and health care services:
You are kindly advised to request medical treatment as soon as you notice symptoms and not to wait until your condition significantly deteriorates. If you feel that your condition requires the attention of a medical professional, please schedule an appointment as soon as possible.

In an emergency, please call the emergency services numbers, 112 or 104 (Hungary).

In other cases always call the designated service provider or visit the designated service provider in office hours at the address specified.

Designated service provider:

Szent Kristóf Szakrendelő Nonprofit Kft

• Address of the health center: 1117 Budapest, Fehérvári út 12.
• Reception times: Monday - Friday: 08.00 – 20.00

If you are ill, please call the primary care doctors physicians, who are available on weekdays from 8:00 till 20:00, and they will instruct you on what to do: +36 30/678-6450 or +36 30/815-2218.

Emergency medical care:
Outside normal surgery hours, during the out-of-hours period (from 04:00 p.m. to 8:00 a.m. on workdays, and all day at weekends and on bank holidays) if it is an immediate emergency requiring emergency/trauma treatment,call the National Ambulance Services at 112 or 104.

You may visit the A&E departments. They provide the details of to receive treatment for your injuries, as no diagnosis can be set up and no medical indications can be given, no treatment can be performed on the phone; the same is the case with proper medical treatment, or the prescription of medication or medical equipment.

Submitting invoices for services prepaid by the insured and their payment:
The costs of medical and health services provided or arranged for by the designated service provider do not need to be prepaid by the insured, as the insurance company pays the costs of such medical treatment directly to the medical facility providing the care or through the designated service provider.

If the insured receives medical treatment in an emergency at a medical facility other than the designated service provider, or without the management of the designated service provider, the insured is not required to prepay for such medical care.

IMPORTANT!

It is important that you clearly understand what events are covered under the insurance you wish to take out.
Before taking out the insurance policy, please read carefully the documents below which are integral parts of the insurance policy.

Please be advised that as set forth in the policy conditions and in the Product Information, there are cases which are not covered under this insurance, or where the benefit payment is limited, or where the Insurance Company may be relieved from benefit payment. (Chapter VI of the General Conditions of STUDIUM Fee-for-Service Health Insurance (STUDIUM14)!)