‘Insurance support in sickness’ – how NN Poland is addressing a hot topic in healthcare

In Europe, consumers are increasingly aware of the need for protection in times of illness, which is why we are adding new services to our Protection business. Like in Poland, where we partnered with one of the country’s largest medical service providers. 

The ‘insurance support in sickness’ programme adds medical components to life insurance, allowing it to address two of the top healthcare concerns in Poland: a lack of access to good medical care and inadequate financial resources in cases of serious illness. For now, it offers cover for those who are critically ill or in need of surgery. But Michał Nestorowicz, responsible for its development, says the programme may go on to address other healthcare issues, such as long-term care or accidents.

‘Fast track’ healthcare
‘In Poland, as in many countries, you may have to wait months, or even years, for surgery. Healthcare is a hot topic. Now, because of our partnership with LUX MED, we can guarantee access to a specialist within three days, and surgical treatment within 30 days. We also provide a hospital care coordinator for the rest of a client’s healthcare journey.’

‘This partnership provides a gateway to modern, innovative and high-quality healthcare across the country.' 
Michał Nestorowicz, Individual Client Segment Director, NN Poland

Financial support
Coverage is not just about treatment. The new programme supports patients financially if they are diagnosed with a serious illness and may also cover, for example, diagnostics or medical transport. ‘Our partnership with LUX MED allows us to deliver coverage throughout the entire trajectory.’

LUX MED, part of Bupa Group, owns 16 hospitals and 300 other medical facilities in Poland, and cooperates with some 3,000 more. This enables us to provide a gateway to modern, innovative and high-quality healthcare services across the country.

Tailor-made
One of the reasons Michał likes to call it a ‘programme’ and not a ‘product’, is because policies change as a client ages, and becomes more likely to contract certain ailments, like dementia for example. ‘And clients can tailor the policy to suit their own individual needs.’ It’s early days yet, but uptake for the programme has been higher than expected, and it is definitely opening up a new market segment in Poland – the large majority of clients are new. ‘We are addressing a new need. Not an existing need in new places.’