Policy Conditions

When you know how important it is to take care of your employees, you choose “IRAO”.

Get the best health insurance for your company and achieve even more success as “IRAO” offers your organization health insurance based on individual needs with the best conditions and services:

• “IRAO- Assistance” - hotline active for 24 hours - (032) 2 949 949 
• Family Doctor Service
• Emergency Medical Services
• Prophylactic Inspections
• Prophylactic Vaccination
• Emergency Hospitalization
• Planned Hospitalization
• Cardiology
• Oncology
• Day hospital services
• Emergency Outpatient Services
• Planned Outpatient Treatment
• Pregnancy
• Childbirth
• Medications
• Emergency Dental Services 
• Planned Dental Services 
• Travel Insurance

If you are interested in healthy life choices, “IRAO” offers you additional benefits such as: discount on recreational sports complexes, aesthetics centers and hotels.

Your time and effort is very valuable to us, so for your convenience we have created electronic services to provide you with the needed information in the most efficient way possible:

• Reimburse medical expenses remotely without coming to the office
• Receive electronic direction without provider clinics’ family doctor appointments.  
• Receive answers concerning reimbursement by email. 
• Write recommendations, remarks and complaints. Your opinion is very important to us.