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Who pays for your treatment if there is a serious diagnosis?

This short checklist is for Russian-speaking expats who live in EU/EEA and want to understand how protected they really are if tomorrow there is a serious diagnosis.

Please answer honestly. For each question, choose Yes / No / Don't know At the end, you can request a brief summary and suggestions by email (optional).

Contact info

Q1 – Understanding your current cover

Do you clearly understand which treatment costs your current insurance would cover in case of a serious diagnosis (for example, cancer, heart attack, neurosurgery etc.), and which costs you would have to pay yourself?

A
B
C

Q2 – How large bills would be paid If your treatment for a serious diagnosis cost €50k-100k or more and your current insurance did not fully cover these costs, do you have a clear plan how the remaining amount would be paid?

A
B
C

Q3 – Employer's health insurance and your family If your overseas employer provides health insurance, does it offer meaningful coverage for your spouse and children (not only for you)?

A
B
C

Q4 – Policy limits Do you know the approximate maximum limit of your current health policy (for example: €50k, €100k or more)?

A
B
C

Q5 – More than just a visa / basic policy Is your current protection for medical expenses more than just the basic health insurance required to enter the country?

A
B
C

Q6 – Separate protection for serious diagnoses Do you have a medical policy that covers the cost of treating serious conditions like cancer, heart surgery, organ transplant and other high-cost diagnoses (not just basic health or visa insurance)?

A
B
C