The Health Area has become an integral part of PZU Group’s business model in 2014. Currently, the operations associated with development of medical services are one of the most important growth areas of the PZU Group. At the end of 2018, the Group had 2.3 million in-force health contracts. This is a 52% increase in relation to 2017. In 2020 the health business is expected to generate PLN 1 billion in revenues.
The operating model in the Health Area supplements and expands PZU’s insurance offering. Two complementary types of activities are conducted:
Clients and products
In the Health Area the PZU Group offers a broad range of health products adapted to the segment’s and clients’ needs:
Corporate client segment (life and health insurance) – the sales of group life and health insurance constitute the basis for the business operations of the PZU Group’s Health Area. The offering is addressed to corporate clients and the SME and micro business segments. Employers may purchase insurance in the sponsored or co-financed model, or negotiate a group offer for their employees.
Mass insurance segment (health, non-life insurance) – mass clients buying non-life policies are offered additional health insurance of assistance nature, ensuring access to specific medical services if an event under the basic policy occurs.
Retail client segment (life and non-life health insurance) – retail clients are provided with health care in the form of individual continuation or rider to life insurance.
Non-insurance products – PZU Zdrowie as a medical operator offers health services to individual clients using proprietary clinics and corporate clients seeking an alternative for products in the form of insurance.
Health products – in the form of life and health and property insurance and non-insurance products – benefit from synergies within the PZU Group and are distributed through virtually all sales channels, however based on the corporate and agency chain of PZU and PZU Życie.
Your health and employee health
We cover your health and the health of your relatives. We help you when you have an accident or fall ill. Thanks to our offering, being an employer, you can provide your employees, e.g. with life protection and medical care.
PZU Zdrowie cooperates with more than 2,100 partner centers in more than 500 towns and cities in Poland.
At the same time, it has been consistently developing its own network of over 60 medical centers, among others in Warsaw, Gdańsk, Poznań, Katowice, Częstochowa, Radom, Płock and Opole, which in aggregate employ more than 1,300 physicians. Initially, it was created by acquiring local healthcare service providers with extensive experience and a good reputation in the medical community. Currently, PZU Zdrowie is expanding the scope of its operations through acquisitions and, in parallel, through building greenfield medical centers, which makes it easier for the company to usher in uniform standards in terms of equipment and patient service in such facilities.
In 2018, 3 new PZU Zdrowie medical centers were opened – in Warsaw at ul. Puławska 145, in Kraków at ul. Kotlarska 11 and in Poznań at ul. Grunwaldzka 184. These centers, situated in excellent locations, were built on a greenfield basis with interior design consistent with the latest visual identity standards of the PZU Zdrowie brand. Furthermore, the Gdańsk branch located at ul. Abrahama 1A was expanded also in accordance with the new standards. The newly opened medical centers have a multi-specialization profile, to enable both patients benefiting from the medical care offered by PZU Zdrowie and patients who use the services rendered in these centers on an ad hoc basis to be provided with the necessary medical assistance. An important issue is the location of these centers – they have been built in modern buildings easily accessible by public transport.
In the beginning od 2018 PZU Zdrowie aquired shares of CM Św. Łukasz in Częstochowa. At the turn of 2018 and 2019, two mergers were finalized – in Oświęcim (Multimed, acquired by Elvita) and in Tarnów (Alergo-Med, acquired by PZU Zdrowie), in both cases leading providers of private medical care. Through these acquisitions, PZU Zdrowie expanded its own network of medical centers in the Małopolska region.
Extensive medical infrastructure guarantees quick appointments; in the case of basic medical care, an appointment is offered within a maximum of 2 business days, and in the case of specialists within a maximum of 5 business days.
A patient can make a doctor’s appointment or an appointment for any other medical service provided by PZU Zdrowie through multiple contact channels:
Development of the scale of operations of PZU Zdrowie
Find a medical center
Facilities for patients
In 2018, PZU Zdrowie either started or continued the execution of the following IT projects aimed at improving its customer service: