To care after our clients in every step of their journey we provide two separate insurances to take care of additional expenses and treatment in unfavourable situations. No-one would appreciate insecurity and unexpected costs especially if there’s personal health in question. Insurance is included in every patient’s treatment plan automatically. The first is a private insurance through an American company, the latter one is a national insurance through Finnish Patient Injuries Act. Please read below for more details.
Path Surgery will happily assist you with any questions you might have before going for treatment. We are committed in helping you with any problems where insurance might be needed during and after treatment – terminology and paper work between Nordics and USA might be something that you’d not do happily. That’s why we are there to help out. Insurance-related help is included in your medical travel bill – we are at your service even after the treatment and after returning to home country to ensure hassle-free communication with medical experts and insurance company if there’s any need for extra attention. Please note that our service doesn’t include any legal advice.
Benefits for having medical complications insurance and Path Surgery as facilitator are clear:
- Insurance will protect patient from unexpected costs in complications and recovery delays
- There is more security and safety regarding recovery – no invasive medical procedure is completely risk-free
- Path Surgery personnel is there to help you out, even after returning back to USA. We are committed in working as a messenger and consultant between you, hospital and insurance company which makes paper work a lot easier
Complications and Travel Insurance by Global Protective Solutions
Our partnering insurance company Customer Assurance Placement, Ltd. does offer a unique insurance for medical travelers. The insurance consists of regular travel insurance to cover for travel-related troubles and medical complications insurance which will assist should there be any need for additional, unplanned care in medical tourism location or extra treatment after returning back to USA. The main purpose for this particular insurance is to get patient in good secondary treatment in Finland or in USA without extra costs for the patient. Our staff is happy to tell about this complications insurance in more detail, please contact us for more information.
Snapshots of insurance benefits
- Capital Sum Limits from $50,000 to $250,000
- Travel Companion coverage available
- Insurance for these costs
- Accidental Death and Dismemberment
- Medical Expenses
- Permanent and Total Disability
- Emergency Evacuation
- Repatriation of Mortal Remains
- Additional Medical or Surgical Treatment Benefit
- Additional Expenses for Travel, Meals and Accommodations
- Family Coordination
- Residence Modification
- Loss of Reproductive Function
- Travel insurance to cover regular unfavorable events such as baggage loss, delayed flights etc.
Finnish Patient Insurance Law – Patient Insurance Center (PIC)
Finland is known to have a very transparent and effective healthcare system. As training of physicians is demanding and all doctors must have years and years of experience before proceeding to more difficult operations, the overall quality of surgeries in every specialty is very good. However, every now and there are cases which require more closer examination.
The juridical system of Finland is known to be thorough, unbiased and strict. Every patient claim is treated in the same way: Suspected malpractice cases and other treatment errors will undergo an investigation through a public, impartial organization called Patient Insurance Center. This unbiased stakeholder consists of board of expert physicians that analyze each case individually. Main purpose of this organization is to create transparency in treatment accidents, avoid expensive court cases and speed up the processing time. They receive roughly 8,000 cases annually of which 30% are entitled to indemnity. Compensation varies from thousands to tens of thousands of euros and is fully dependent on the type of harm caused. Average duration of case review is 6 months and requires complete documents and written material from surgery and treatment.
As Patient Insurance Center is located in Finland, Path Surgery staff is committed in helping all their patients in filing insurance claims to PIC for no extra charge. Path Surgery staff will assist any client of theirs happily in such cases and will work as a link between USA and Finland. For more information please see from PIC Website and details from the coverage from What is covered section or contact Path Surgery personnel through email or phone.
Please note that possible legal fees are not included nor are we eligible in giving any legal advice.
This is a brief description of cover and is not an insurance contract. For coverage specifics and details, please refer to the exact terms and conditions of your enrollment. This is a limited benefit product and is not meant to replace any major medical insurance coverage.
Path Surgery is not in any financial or business partnership with Global Protective Solutions (GPS). Our role is to refer our clients to GPS in good faith for purchasing insurance coverage only, and Path Surgery cannot be held liable for any issues resulting from an insurance policy purchased from GPS. All matters relating to your claim must be referred to Global Protective Solutions.
This is not a major medical policy. Eligible claim expenses would be submitted with a claim form for approval and reimbursement to the claimant. Travel departure and return dates must commence and terminate within 30 days. If a trip is going to be longer than 30 days, special rating and underwriting is required. A covered complication must occur within 180 days of the procedure date.