Medical, Optic and Dental Care

Plan highlights

You will be enrolled in your benefits automatically when you are hired. Contact Guidepost add eligible dependents within 30 days of your hire date or a life event (e.g., birth, marriage).

Outpatient and surgical procedures: up to €10.000

• Exams
• Lab tests and diagnostics
• Ambulance transport
• Physical and speech therapy
• Mental health services
• Fertility services
• Emergency dental treatment
• Home nursing care 

Inpatient procedures: up to €10.000

• Hospital stay for nonsurgical treatment
• Chemotherapy
• Radiotherapy
• Emergency dental treatment (accident related)

Healthcare for pregnant women and newborns: up to €2.500

• Exams
• Lab tests and diagnostics
• Hospital stay
• Prenatal vitamins
• Fetal echocardiography
• Delivery
• Healthcare for newborn
• Home nursing care for newborn

Prescription drugs: up to €300

Optic services: up to €200

• Eye exam
• Lenses
• Frames

Dental services: up to €250

• Preventive exam
• Basic restorative treatment
• Major restorative treatment
• Orthodontics (up to age 35)
• Oral surgery

Annual physical exam: one per year

24/7 medical assistance: no cost to you

Refer to the voluntary health insurance user manual (Serbian) (English) for complete details on what’s covered and what’s not covered by your plan.

Where to receive care

Where you receive care determines what you pay for treatment.

In-network clinics

When you go to a clinic within the network, you don’t pay anything for healthcare services. Generali Osiguranje Srbija will pay the clinic for your treatment. Note: Before treatment, you must identify yourself with a voluntary health insurance card (smart card) and an ID card.

Out-of-network clinics

You can go to any clinic outside of the network, but you will need to pay for treatment at the time of service and submit a reimbursement request to Generali. Reimbursement is not guaranteed.

Pre-existing conditions

A pre-existing condition is any health condition resulting from a chronic illness or injury that took place before you enrolled in this medical plan for the first time. Your censor doctor will determine whether you have a pre-existing condition based on diagnosis, need for treatment, and prior medical history.

Inpatient treatment and surgical procedures of a pre-existing condition are excluded from coverage, but outpatient services may be covered.

Pre-authorisation for care

Except in cases of emergency, you must obtain pre-authorisation before receiving healthcare services for:

• Costs in excess of €300
• Planned inpatient treatment or for single indemnity instead of covering inpatient treatment costs
• Planned or scheduled surgery and other procedures, or for single indemnity instead of covering treatment costs in surgical procedures
• Prenatal diagnostic
• Childbirth
• Durable medical equipment
• Removal of changes in the skin

In-network clinics will submit the pre-authorisation paperwork for you. For treatment at out-of-network clinics, send a completed Medical Treatment Authorisation Form (Serbian) (English) to the insurance company, along with relevant medical records (your records will be returned after treatment is approved).

Making a claim for reimbursement

To receive reimbursement for out-of-pocket expenses, complete the Voluntary Health Insurance Claim Form along with copies of:

• Receipts for services received
• Medical records stamped and signed by your doctor 

You can submit your completed claim form and documents to Generali via the customer portal, by email, or by mail at: 

Generali Osiguranje Srbija 
Vladimira Popovića 8  
11070 Novi Beograd To: Direkcija za obradu šteta PZO