Frequently Asked Questions
If the company is subject to corporate income tax and the insured is an employee, executive officer or personally contributing member of the company, the insurance premium can be accounted for as an expense in the company’s interest, thereby reducing the company’s taxable income. (See Corporate Taxpayer Expense Accounting)
Yes, the company can pay it; however, the portion of the premium for the family member, along with the related taxes, must be added to the company’s tax base, and the applicable tax obligations must be met — unless the individual reimburses this portion of the premium to the company. (See Corporate Taxpayer Expense Accounting)
The insurance premium paid for a company owner can only be accounted for as a tax-deductible expense if the owner is an executive officer or a personally contributing member of the company, and this can be documented (e.g., through the company’s articles of association).
The general partner qualifies as a personally contributing member, so the insurance premium for them can be accounted for as a tax-deductible expense in corporate income tax.
In the case of a limited partner, the insurance premium paid for them can only be accounted for as a business expense if their personal contribution is documented (e.g., through the partnership agreement or an employment contract).
For individual risk insurance (taxed according to legal relationship), the payer must account for the insured person based on their records when they leave, including the tax obligations related to the insurance premiums.
For group risk insurance (for at least two people, taxed as certain fringe benefits), the payer settles the tax obligation at the time the premium is due, taking the premium reduction into account for the relevant payment period. Since the tax obligation must be settled when the premium is paid, the information available for that month (received debit and credit invoices) must be compiled, and the tax obligation is settled based on this data. If, in a given month, only a credit invoice is available or the balance is negative, it can be accounted for in the next tax payment.
Yes, they can, in accordance with the legal requirements.
Yes, they can, in accordance with legal requirements (provided they are not under the KATA tax scheme).
Primary producers are also subject to the personal income tax law. The regulations regarding insurance are similar to those that apply to sole proprietors.
Since a KATA entrepreneur pays all statutory public charges under the KATA scheme, the insurance premium for a KATA entrepreneur is not subject to additional tax obligations. (KATA Act 8§ (1) b) pont))
(Consequently, in such cases, the insurance premium cannot be accounted for as a business expense either.)
An independent, standalone care coordinator with partnerships across numerous healthcare providers.
With Private Care health insurance, a call to Generali Medi24 allows you to freely choose from its preferred healthcare partners. Europ Assistance kiemelt egészségügyi partnerei közül.
Generali Biztosító’s healthcare service coordination partner is: Europ Assistancelist of preferred healthcare partners: here található.
The insurance contract is fixed-term and can be concluded for a minimum of one year and a maximum of three years.
If you wish to use any healthcare service or have a concern, always consult Generali Medi24 customer service by phone, or use the online appointment booking option. (https://eoperation.europ-assistance.hu/health/hu-HUN)
Generali Medi24: +36 1 465 3777 (2-es menüpont)
We accept invoices for outpatient care that the insured arranges and pre-finances themselves—but only for services covered by their insurance package and the applicable policy terms, excluding screening examinations.
The maximum invoice amount per type of care: 30.000 Ft/care Reimbursement is provided up to the maximum amount per type of care, even if the invoice exceeds this amount (however, if the care is arranged by the care coordinator, no payment is required for the service). Therefore, for a specific health issue, we reimburse up to HUF 30,000 per service for invoices related to specialist care, necessary laboratory/diagnostic tests, or outpatient procedures.
There is no limit on the number of invoices for self-arranged care. Therefore, if multiple health issues arise, we reimburse the costs of various examinations covered by the insurance package — provided the cases comply with the applicable policy terms and an insured event occurs.
IMPORTANT! If you wish to use care in this way, the first step is to call Generali Medi24. They will assist you, among other things, in understanding what your insurance package covers and for which services we will reimburse the invoice amount up to the above limit.
In general, pre-existing conditions are not covered by the insurance. When the Insured fills out the Insurance Proposal, it is important to list all conditions or symptoms that currently exist or have occurred in the past. After this, there are three possible outcomes:
– Any previous or existing medical condition is excluded from coverage,
– The insurance extends coverage to any previous or existing medical condition,
– Or an additional premium is applied so you can receive full health insurance coverage.
Coverage regardless of pre-existing conditions (without a medical declaration) (MHD): this option applies when, in the case of a group contract, the policyholder takes out insurance for at least 15 employees at the same time, and chooses the MHD risk-acceptance conditions for the entire insured group. In this case, the insurance policy also covers treatments arising from the Insureds’ pre-existing medical conditions.
The waiting period applies to the following services:
– Maternity care for nine months can be claimed after 12 months of continuous insurance coverage (conception must occur after the 12-month period)
– Six consecutive months for preventive, routine, and restorative treatments, and two years for orthodontics under the Dental Supplement package (the latter only up to age 18).
All other specified services become available immediately after the insurance takes effect.
In a medical emergency where you were unable to contact MediHelp in advance (for example, in the case of a traffic accident) and are admitted to a hospital, please get in touch with us as soon as possible. Alternatively, make sure the hospital is aware of your MediHelp insurance coverage so that they or a person you designate can contact us on your behalf.
MediHelp will then coordinate with the hospital to settle the costs covered by your insurance. The hospital may request a cash deposit or charge your credit card until the connection between MediHelp and the hospital is established.
Outside of business hours, the following number can be called in case of an emergency, or for evacuation and repatriation requests: +36 1 458 4478.
If the Insured receives outpatient care costing less than HUF 162,500 and the expenses do not require prior authorization, the full amount can be paid at the time of treatment. Afterwards, the Insured must submit a claim to be reimbursed for the incurred costs.
The international health insurance packages offered by MediHelp allow the Insured to choose any healthcare provider within the specified coverage area.
Regardless of the chosen provider, we will cover the cost of services used, as long as the treatment is covered under the policy. The insurer does not restrict treatments to a specific provider, allowing the client to freely choose a clinic or hospital for necessary care. Claims exceeding HUF 162,500, as well as inpatient or day-surgery treatments, require prior authorization from the insurer. In other cases, simply notifying us is sufficient.
The Insured can opt for a deductible to reduce the annual cost of their insurance premium.
If the Insured submits a claim, MediHelp will reimburse the costs only after the Insured has paid the deductible amount specified in the chosen plan.
The deductible applies to each insured member per insurance year.
Costs will be reimbursed within 15 business days after the Insured submits the complete documentation, which must include the following:
– The completed Claim Form;
– Outpatient report or discharge summary issued in the name of the Insured;
– A detailed invoice issued in the name of the Insured.
An insurance claim may be denied or returned in any of the following situations. Claims will be returned to the Insured for completion or correction if the submitted documents are incomplete or illegible.
A claim will be denied if:
– The requested medical services are not covered by the insurance policy,
– The insurance claim is submitted more than two years after the date the medical services were provided,
– The coverage limit has been reached,
– The submitted claim exceeds HUF 162,500 for costs that were not pre-authorized,
– There is a breach of the duty to disclose, meaning the claim relates to a service received for a pre-existing condition,
– Additional information is required. In this case, the claim will be reassessed once you provide the requested details.
Prior approval is required for all costs exceeding HUF 162,500. Pre-authorization is mandatory for all inpatient treatments and can also be requested for outpatient care at our partner facilities. For planned medical treatments, MediHelp must be notified at least three days in advance for both outpatient and inpatient services.
When the Insured requests prior approval, the following information must be provided:
– The scheduled date of the planned service;
– The name of the healthcare provider;
– The estimated costs;
– The type and specialty of the medical service;
– Medical documentation.