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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?

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?

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)?

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)?

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?

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)?

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