Health Insurance
A health insurance can help you protect your health and ensure financial security, whether you are a business owner, self-employed, or an individual. With health insurance, you are covered for both physical and mental health issues.
What is health insurance?
Health insurance is a comprehensive plan that provides financial coverage for health-related expenses. It can cover both physical and mental health issues. In addition to treatment at private hospitals, it may also include visits to specialists, physiotherapists, and psychologists. The purpose is to ensure quick access to treatment and increase peace of mind for the policyholder.
What does health insurance cover?
Health insurance typically covers a wide range of health-related costs. This includes expenses for doctor consultations, specialist visits, medication, hospital stays, surgeries, rehabilitation, dental treatments, physiotherapy, or consultations with a psychologist.
The insurance can also include preventive health check-ups and vaccinations. The exact coverage may vary depending on the insurance company and the chosen plan. Health insurance provides peace of mind, ensuring that you and your employees have access to quality treatment and faster treatment processes.
Example of how health insurance is used
Anna, a self-employed business owner, has health insurance through her insurance company. One day, she contracts a serious illness that requires specialized treatment and surgery. Thanks to her health insurance, Anna can choose an expert doctor and receive treatment at a private hospital with minimal waiting time. The insurance covers the costs of her surgery, hospitalization, and follow-up treatments, providing her with peace of mind and the ability to focus on her recovery without worrying about the financial costs.
Get independent insurance advice at Söderberg & Partners
It can be challenging to predict when and to what extent damage will occur. That’s why it’s important to have an experienced insurance broker by your side who takes into account the risks and scenarios within business insurance that you may not have considered.
At Söderberg & Partners, our insurance brokers have the qualifications and experience to advise your business – whether you have 2 employees or more than 1,000.
It’s important to us that you, as a company, feel confident that you are properly insured with the right business insurances. This allows you to focus on what you do best – running your business.
Based on our professional knowledge, we are often used as a sparring partner, especially when it comes to expanding business areas and evaluating the potential impact on your company. If we notice patterns in damages and types of claims, we assist you with strategies to prevent current or future damages, ensuring that your business is as well-protected as possible. We handle the administrative tasks and equip you to make the right decisions regarding risk management and insurance coverage.
We Often Get These Questions
A health insurance is a type of insurance that covers expenses for healthcare services such as consultations with specialists, surgeries, physiotherapy, and rehabilitation. Additionally, the insurance also ensures quicker access to examinations and treatments in a wide range of cases.
No, it is not mandatory for companies to offer their employees health insurance. However, it can be in both the employee's and the company's interest, as the employee may feel more secure knowing they can receive quick help in case of illness, and the company may benefit from having the employee return to work more quickly.
A health insurance covers costs related to, for example, consultations with specialists, treatments, medication, and rehabilitation. In addition, having health insurance means shorter waiting times for many types of exams and treatments. Cosmetic surgeries, obesity surgeries, and emergency treatments are typically not covered by health insurance.
The price of health insurance depends on factors such as your age and health condition. Additionally, the price can vary between different insurance companies.
The agreement will specify who is covered by the health insurance. In addition to the policyholder, their partner and children may also be covered by the health insurance or have the option for coverage at a special price.