Private health insurance provides the opportunity for 100% coverage of financial costs that an individual may face in the event of an accident or unexpected illness. 

PREVENTION:

✔ Medical check-ups at private hospitals in Albania, Milan, Vienna, or Istanbul
✔ Comprehensive diagnostic tests upon specialist recommendation
✔ Vision and dental care
✔ 24/7 doctor access via the TELESHËNDET app

ASSISTANCE:

✔ Second medical opinion from specialized medical centers worldwide
✔ Assistance in finding the best doctor for the diagnosis
✔ Coverage of flight and hotel expenses for the patient and one accompanying person
✔ Living better together

MEDICAL TREATMENT:

✔ Coverage of all hospital bills for private hospital stays (domestic and international)
✔ Cost of prescribed medications
✔ Treatment of severe illnesses (e.g., malignant tumors) from diagnosis to chemotherapy, radiotherapy, or immunotherapy
✔ Pandemic-related medical expenses

MEDICAL TRANSPORTATION:

✔ Road or air ambulance transport if the insured cannot travel as a regular passenger

REHABILITATION:

✔ Coverage of hospital bills for physiotherapy

The best doctors in the world are available to every individual insured with the Life Plus package, along with 3 medical opinions for the diagnosis. 

This package covers expenses up to 1,000,000 Euros for the following conditions:

✔ Malignant tumors

✔ Cardiothoracic surgeries with the "bypass" technique

✔ Cardiothoracic surgeries for valve repair and replacement

✔ Surgical intervention on the head and spine

✔ Bone marrow transplant and organ transplants from a living donor

Receive financial benefits for tumor treatment. 

The individual chooses the coverage amount.

They must declare if they have previously been diagnosed with cancer.

If the applicant is healthy, they qualify for insurance. 

Which illnesses are covered?
Malignant and benign tumors in the head are covered.

Who can be insured?
Any individual from 0 to 80 years old who:

• Is not currently undergoing diagnostic examinations or investigations for cancer.

• Has never been diagnosed with cancer, leukemia, lymphoma, or any other malignant tumor condition.

SIGAL has brought the innovative service "TeleShëndet" to be close to its customers at any moment and to provide you with the right health service. 

Covered Services:

✔ Check-up
✔ Medical Second Opinion (MSO)
✔ 24/7 Doctor Availability
✔ Eye Specialist Consultation
✔ Optical Lenses
✔ Dentist Consultation
✔ Dental Procedures – 50% Discount
✔ Physiotherapy Sessions – 50% Discount
✔ Pregnancy Monitoring – 50% Discount
✔ Psychologist Sessions – 50% Discount
✔ Gym Membership – 50% Discount
✔ Pension Contribution – 500 Lekë

Accident insurance covers temporary disability, permanent disability or loss of life of the insured caused by various possible accidents. 

✔ Accident Insurance Pupils and students

This insurance covers: - Expenses for medical urgencies in cases of diseases and accidents; - Parent life insurance

✔ Accident Insurance Athletes

This insurance covers: - Expenses for medical urgencies in cases of diseases and accidents;  - Maximum covered medical expenses is 5,000 to 15,000 euro

✔ Accident Insurance Employees

This insurance covers:- In cases of disabilities and death from 500,000 up to 3,000,000 ALL; - Medical expenses or daily payments in cases of temporary disabilities in cases of accidents

✔ Voluntary insurance Auto Drivers

This insurance covers:- Loss of life as a result of an accident and permanent permanent disability; - Maximum annual limit of 500,000 to 1,000,000 ALL