The form must be signed and submitted to the insurer’s representative in person. Alternatively, it can be signed electronically and sent to the insurer’s email address along with medical and payment documents.
On paper everything appeared acceptable, but employees regularly complained about difficulties receiving reimbursements. In many cases the compensation paid by the insurer was significantly lower than the amount employees had actually paid for medical services, which created frustration.
At the same time, the total amount of claims paid out decreased slightly. In 2025, insurers paid EUR 476 million to clients, 1.4% less than the year before. This decline was mainly due to fewer major catastrophes. In practice, this means there were fewer severe incidents and insurers had to pay fewer large emergency claims. As a result, you can expect relatively stable policy prices. If there is no significant increase in losses, insurers are under less pressure to raise prem
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