{"id":544,"date":"2025-09-08T20:00:15","date_gmt":"2025-09-08T20:00:15","guid":{"rendered":"https:\/\/genpek.hu\/?page_id=544"},"modified":"2025-11-17T13:31:56","modified_gmt":"2025-11-17T13:31:56","slug":"gyik","status":"publish","type":"page","link":"https:\/\/genpek.hu\/en\/gyik\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"544\" class=\"elementor elementor-544\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a54f242 e-flex e-con-boxed e-con e-parent\" data-id=\"a54f242\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ddd18c6 e-con-full e-flex e-con e-child\" data-id=\"ddd18c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4ec26 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4a4ec26\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24afb74 e-con-full e-flex e-con e-child\" data-id=\"24afb74\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99dfec0 elementor-widget__width-initial elementor-widget elementor-widget-toggle\" data-id=\"99dfec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1611\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1611\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">In which cases can the health insurance premium paid by a company be accounted for as a business expense?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1611\"><p class=\"p1\">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\u2019s interest, thereby reducing the company\u2019s taxable income. (See Corporate Taxpayer Expense Accounting)<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1612\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1612\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can the company pay the insurance premium for an employee\u2019s family member (e.g., spouse, child)?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1612\"><p class=\"p1\">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\u2019s tax base, and the applicable tax obligations must be met \u2014 unless the individual reimburses this portion of the premium to the company. (See Corporate Taxpayer Expense Accounting)<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1613\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1613\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can the insurance premium for a company owner be accounted for as a business expense?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1613\"><p class=\"p1\">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\u2019s articles of association).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1614\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1614\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can the insurance premium for a general partner or limited partner in a limited partnership (Bt.) be accounted for as a business expense?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1614\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1614\"><p class=\"p1\">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.<\/p><p class=\"p1\">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).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1615\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1615\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What rules apply to insured individuals who join or leave the insurance contract during the insurance year?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1615\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1615\"><p class=\"p1\">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.<\/p><p class=\"p1\">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.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1616\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1616\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can a sole proprietor account for the health insurance premium as a business expense if the insured person is the sole proprietor themselves?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1616\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1616\"><p class=\"p1\">Yes, they can, in accordance with the legal requirements.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1617\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1617\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can a sole proprietor account for the health insurance premium as a business expense if the insured person is an employee of the sole proprietorship?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1617\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1617\"><p class=\"p1\">Yes, they can, in accordance with legal requirements (provided they are not under the KATA tax scheme).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1618\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1618\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What rules apply to primary producers?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1618\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1618\"><p class=\"p1\">Primary producers are also subject to the personal income tax law. The regulations regarding insurance are similar to those that apply to sole proprietors.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1619\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1619\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What rules apply to entrepreneurs under the KATA tax scheme?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1619\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1619\"><p class=\"p1\">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<span class=\"s1\">\u00a7 <\/span>(1) b) pont))<\/p><p class=\"p1\">(Consequently, in such cases, the insurance premium cannot be accounted for as a business expense either.)<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9c45d1 elementor-widget__width-initial elementor-widget elementor-widget-toggle\" data-id=\"a9c45d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1781\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1781\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Who is Europ Assistance?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1781\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1781\"><p class=\"p1\">An independent, standalone care coordinator with partnerships across numerous healthcare providers.<\/p><p>With Private Care health insurance, a call to Generali Medi24 allows you to freely choose from its preferred healthcare partners. <a href=\"http:\/\/www.europ-assistance.hu\/hu\/generali-company-care-egeszsegbiztositas\" target=\"_blank\" rel=\"noopener noreferrer\">Europ Assistance <\/a>kiemelt eg\u00e9szs\u00e9g\u00fcgyi partnerei k\u00f6z\u00fcl.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1782\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1782\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">PRIVATECARE: Which hospitals are included among the partners?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1782\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1782\"><p>Generali Biztos\u00edt\u00f3\u2019s healthcare service coordination partner is: <a href=\"https:\/\/www.europ-assistance.hu\/\">Europ Assistance<\/a>list of preferred healthcare partners: <a href=\"https:\/\/www.generali.hu\/~\/media\/Ugyfelportal\/Images\/Aloldalak\/Biztositasok\/Egeszseg\/EA_Generali_Private_Care_Szolgaltatoi_lista_2020.ashx\">here <\/a>tal\u00e1lhat\u00f3.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1783\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1783\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">PRIVATECARE: For what duration can the insurance contract be concluded?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1783\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1783\"><p>The insurance contract is fixed-term and can be concluded for a minimum of one year and a maximum of three years.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1784\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1784\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">PRIVATECARE, COMPANYCARE: Where can I book an appointment for healthcare services?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1784\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1784\"><p>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)<\/p><p>Generali Medi24: +36 1 465 3777 (2-es men\u00fcpont)<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1785\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1785\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">PRIVATECARE: Invoice acceptance for outpatient care \u2013 until further notice<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1785\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1785\"><p>We accept invoices for outpatient care that the insured arranges and pre-finances themselves\u2014but only for services covered by their insurance package and the applicable policy terms, excluding screening examinations.<br \/>The maximum invoice amount per type of care: <strong>30.000 Ft\/care<\/strong> 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. <br \/>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 \u2014 provided the cases comply with the applicable policy terms and an insured event occurs.<\/p><p>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.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a13c3 elementor-widget__width-initial elementor-widget elementor-widget-toggle\" data-id=\"a9a13c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1771\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1771\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: Does the insurance also provide coverage for pre-existing conditions?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1771\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1771\"><p class=\"p1\">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:<\/p><p class=\"p1\">\u2013 Any previous or existing medical condition is excluded from coverage,<\/p><p class=\"p1\">\u2013 The insurance extends coverage to any previous or existing medical condition,<\/p><p class=\"p1\">\u2013 Or an additional premium is applied so you can receive full health insurance coverage.<\/p><p class=\"p1\">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\u2019 pre-existing medical conditions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1772\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1772\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: Is there a waiting period before the insurance becomes effective?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1772\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1772\"><p class=\"p1\">The waiting period applies to the following services:<\/p><p class=\"p1\">\u2013 Maternity care for nine months can be claimed after 12 months of continuous insurance coverage (conception must occur after the 12-month period)<\/p><p class=\"p1\">\u2013 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).<\/p><p class=\"p1\">All other specified services become available immediately after the insurance takes effect.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1773\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1773\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: What should I do in a medical emergency? <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1773\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1773\"><p class=\"p1\">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.<\/p><p class=\"p1\">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.<\/p><p class=\"p1\">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.<\/p><p class=\"p1\">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.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1774\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1774\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: Can I access the services anywhere?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1774\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1774\"><p class=\"p1\">The international health insurance packages offered by MediHelp allow the Insured to choose any healthcare provider within the specified coverage area.<\/p><p class=\"p1\">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.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1775\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1775\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: What is a deductible and how does it apply?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1775\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1775\"><p class=\"p1\">The Insured can opt for a deductible to reduce the annual cost of their insurance premium.<\/p><p class=\"p1\">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.<\/p><p class=\"p1\">The deductible applies to each insured member per insurance year.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1776\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1776\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: What documents are required to submit a claim, and how long does it take to get reimbursed?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1776\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1776\"><p class=\"p1\">Costs will be reimbursed within 15 business days after the Insured submits the complete documentation, which must include the following:<\/p><p class=\"p1\">\u2013 The completed Claim Form;<\/p><p class=\"p1\">\u2013 Outpatient report or discharge summary issued in the name of the Insured;<\/p><p class=\"p1\">\u2013 A detailed invoice issued in the name of the Insured.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1777\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1777\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: Under what circumstances can an insurance claim be denied?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1777\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1777\"><p class=\"p1\">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.<\/p><p class=\"p1\">A claim will be denied if:<\/p><p class=\"p1\">\u2013 The requested medical services are not covered by the insurance policy,<\/p><p class=\"p1\">\u2013 The insurance claim is submitted more than two years after the date the medical services were provided,<\/p><p class=\"p1\">\u2013 The coverage limit has been reached,<\/p><p class=\"p1\">\u2013 The submitted claim exceeds HUF 162,500 for costs that were not pre-authorized,<\/p><p class=\"p1\">\u2013 There is a breach of the duty to disclose, meaning the claim relates to a service received for a pre-existing condition,<\/p><p class=\"p1\">\u2013 Additional information is required. In this case, the claim will be reassessed once you provide the requested details.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1778\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1778\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"19.97\" viewbox=\"0 0 19.97 19.97\"><polygon points=\"11.9 19.97 8.07 19.97 8.07 11.91 0 11.91 0 8.1 8.07 8.1 8.07 0 11.9 0 11.9 8.1 19.97 8.1 19.97 11.91 11.9 11.91 11.9 19.97\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"19.97\" height=\"3.81\" viewbox=\"0 0 19.97 3.81\"><rect width=\"19.97\" height=\"3.81\"><\/rect><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">MEDIHELP: What is the procedure for obtaining prior approval for costs?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1778\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1778\"><p class=\"p1\">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.<\/p><p class=\"p1\">When the Insured requests prior approval, the following information must be provided:<\/p><p class=\"p1\">\u2013 The scheduled date of the planned service;<\/p><p class=\"p1\">\u2013 The name of the healthcare provider;<\/p><p class=\"p1\">\u2013 The estimated costs;<\/p><p class=\"p1\">\u2013 The type and specialty of the medical service;<\/p><p class=\"p1\">\u2013 Medical documentation.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14fed3c e-flex e-con-boxed e-con e-parent\" data-id=\"14fed3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c94a6a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"0c94a6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/genpek.hu\/en\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back to the homepage<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Gyakran Ism\u00e9telt K\u00e9rd\u00e9sek MILYEN ESETBEN LEHET K\u00d6LTS\u00c9GK\u00c9NT ELSZ\u00c1MOLNI A T\u00c1RSAS V\u00c1LLALKOZ\u00c1S \u00c1LTAL K\u00d6T\u00d6TT EG\u00c9SZS\u00c9GBIZTOS\u00cdT\u00c1S D\u00cdJ\u00c1T? Ha a v\u00e1llalkoz\u00e1s a t\u00e1rsas\u00e1gi ad\u00f3 t\u00f6rv\u00e9ny hat\u00e1lya al\u00e1 tartozik \u00e9s a biztos\u00edtott a v\u00e1llalkoz\u00e1s munkav\u00e1llal\u00f3ja, vezet\u0151 tiszts\u00e9gvisel\u0151je, vagy szem\u00e9lyesen k\u00f6zrem\u0171k\u00f6d\u0151 tagja, akkor a biztos\u00edt\u00e1si d\u00edj a v\u00e1llalkoz\u00e1s \u00e9rdek\u00e9ben elismert k\u00f6lts\u00e9gk\u00e9nt elsz\u00e1molhat\u00f3 \u00e9s cs\u00f6kkenti a t\u00e1rsas\u00e1g ad\u00f3alapj\u00e1t. (l\u00e1sd T\u00e1rsas\u00e1gi ad\u00f3alany [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-544","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>GYIK -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/genpek.hu\/en\/gyik\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"GYIK\" \/>\n<meta property=\"og:description\" content=\"Gyakran Ism\u00e9telt K\u00e9rd\u00e9sek MILYEN ESETBEN LEHET K\u00d6LTS\u00c9GK\u00c9NT ELSZ\u00c1MOLNI A T\u00c1RSAS V\u00c1LLALKOZ\u00c1S \u00c1LTAL K\u00d6T\u00d6TT EG\u00c9SZS\u00c9GBIZTOS\u00cdT\u00c1S D\u00cdJ\u00c1T? 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