We co-create and operate solutions to help your clients reduce their drug expenses.
Did you know that Poles spend the most in Europe
on medicines out of their own pockets?
31,6 billion
That's how much Poles will spend on medicines in 2022 - more than PLN 5.5 billion more than in 2016.
65%
Expenses for the purchase of medicines Poles cover out of their own pockets
Sources: Private healthcare market in Poland 2017 - market analysis and development forecasts 2017-2022, PMR 2017;
OECD/European Union (2022), Health at a Glance: Europe 2022: State of Health in the EU Cycle, OECD Publishing, Paris, https://doi.org/10.1787/507433b0-en
25%
Poles are concerned about the lack of funds for medical treatment in the event of a serious illness or accident.
Drug insurance
Reducing private spending on drugs is a real support for insured people in treatment.
Together, let's create insurance for them so they pay less for medicines.
Read the material from which you will learn more about drug subsidies.
What is drug insurance?
Reducing private spending on drugs is a real support for insured people in treatment.
They reduce drug expenses that the insured would incur out of pocket.
They supplement the public drug reimbursement system where it does not fully meet the needs of the insured.
Insurance coverage may include drugs that are partially reimbursed by the National Health Service, as well as those that are completely outside of public funding.
When purchasing drugs related to an illness, hospital stay or accident, part of the drug payment is covered by insurance, reducing the amount the insured pays out of pocket.
The insured can choose between a cashless model, which avoids committing his or her own funds, or a cash model, in which money is returned to the insured after the transaction is completed.
Cashless transaction
Our service. Your saved time and money.
The insured - on the basis of the unique ID presented to the pharmacist - already pays the amount less the insurance contract subsidy at the time of purchase.
The remainder of the payment is covered by the insurer
- via epruf.
The remainder of the fee is paid by the insurer - via epruf.
75%
of pharmacies in Poland
More than 9400 pharmacies*
network and individual, has partnered with epruf to enable policyholders to purchase drugs without committing their own funds in all counties in the country.
*Status as of 31.01.2022
Possibility to get subsidized purchase of medicines
at any pharmacy in Poland
The insured can also pay for the drugs themselves and apply for reimbursement. This form of subsidy is available at all pharmacies in Poland.
The insured pays the full amount for the drug from his own funds.
The insured shall submit a claim for reimbursement with the necessary documents to epruf.
epruf verifies the application and payment of the benefit.
100%
of pharmacies in Poland
Sources: Private healthcare market in Poland 2017 - market analysis and development forecasts for 2017-2022, PMR 2017
Why should drug subsidies be included in your insurance quote?
This is in response to the needs of Poles who are looking for a way to reduce private spending on medicines.
Poles' needs for financial support for medical treatment are among the highest in Europe - as much as 64% of drug expenses are covered by Poles out of their own pockets.
In addition, the list of publicly reimbursed drugs is one of the most limited in Europe. This is especially true for innovative drugs used to treat the most serious diseases, such as oncological diseases.
What is the role of drug insurance?
By expanding its offerings to include a product such as drug insurance, the company can offer its customers comprehensive support in taking care of their health - from visiting the doctor, to examinations, to subsidizing the purchase of medicines.
They help reduce private drug spending.
They complement the public drug reimbursement system.
They increase access to pharmacotherapy, including innovative drugs.
They have a positive impact on the health of Poles.
We have prepared a downloadable resource for you about drug insurance! In it you will find even more information about drug subsidies. Remember that you can also make an appointment with our representative.
*status as of 31.12.2022
*status as of 31.12.2022
The insured can take advantage of a cashless model for subsidizing the purchase of medicines at pharmacies that cooperate with epruf. They can find them nationwide, in every county.
That's more than 9,400 cooperating pharmacies,
That is, 75% of chain and individual pharmacies in Poland,
Where we serve more than 1 million customers a year.
What products can we co-create?
We can help you select drug coverage for your basic insurance. The possibilities are many! Take a look at sample product concepts to better understand the idea of drug insurance.
drug insurance for emergency illnesses
This is a convenient form of subsidizing the purchase of prescription drugs used to treat, for example, the flu, tonsillitis and otitis - infections that affect almost everyone.
drug insurance for serious illnesses
This is a valuable form of assistance to the insured when he or she is afflicted by a serious illness that often requires months of treatment.
prepaid pharmacy card
This is a convenient form of subsidizing the purchase of products available at the pharmacy - the coverage is determined individually with the insurance company.
Comprehensive support
The insured should not be left alone after receiving medical advice.
Do you want to support the insured from the first symptoms of illness to complete recovery?
Take care of him by giving him services that will make his treatment more effective, convenient and safe.
All available in one app!
If you want to learn more about a particular service, click DISCOVER.
You can also download the material in which we described them for you.
Comprehensive support
The insured should not be left alone after receiving medical advice.
Do you want to support the insured from the first symptoms of illness to complete recovery?
Take care of him by giving him services that will make his treatment more effective, convenient and safe.
All available in one app!
If you want to learn more about a particular service, click DISCOVER.
You can also download the material in which we described them for you.
application
integrating services
online ordering
of medicines to the pharmacy
measuring
temperature
alert about taking
drug dose
application
integrating services
online ordering
of medicines to the pharmacy
alert about taking
drug dose
measuring
temperature
Application that integrates services
Once the contract is concluded, the insured will be able to use the app, which will become his treatment companion, always available at hand.
Application functionalities include:
cashless handling of drug insurance transactions at pharmacies that cooperate with epruf, allowing the insured to avoid committing funds out of pocket
online ordering of drugs to the pharmacy
Chat e-consultation with a pharmacist regarding drug dosage, how to take the medication and interactions with other medications
Supporting treatment by setting an alert about taking a dose of medicine
We present sample visualizations. The application will be available in the so-called custome label model - after signing the contract, we can match the color scheme to the insurer's brandbook.
Online ordering of drugs to a pharmacy
After the medical consultation, the insured can order the prescribed medications for pickup at a pharmacy of his choice that cooperates with epruf.
Consultation
The insured receives an e-prescription.
Order
Insured chooses medication and pick-up pharmacy. He places the order.
Fulfillment
The order goes to the selected pharmacy.
Pickup
The insured picks up the ordered products at the selected pharmacy.
*as of 31.01.2022
More than 2,300 pharmacies
allow collection of ordered medicines.
Your order can be ready for pickup in as little as 2 hours.
Temperature measurement
Sources: the WARMIE logo and device photo are the property of WARMIE Ltd.
Once the contract is concluded, the insured will receive a Warmie device that monitors body temperature.
The body temperature monitoring device allows remote, continuous and non-invasive measurement.
A wireless, battery-operated temperature sensor is built into the flexible, wearable armband.
The measured value is sent wirelessly to an app available on a smartphone (iOS and Android smartphones).
The app sends a notification whenever it registers a significant increase or decrease in temperature.
The epruf partner is Warmie, a technology startup that has been repeatedly recognized in the market, including as a Top Telehealth Solution Providers in Europe.
Sources: the WARMIE logo and device photo are the property of WARMIE Ltd.
Alert about taking a dose of medication
The insured gains access to an app where he or she can set reminders to take medication.
This tool supports the insured in his treatment by reminding him
to take the product at a certain time.
The system can be freely configured, setting reminders on selected days of the week, for a selected period of time and at a specified frequency.
Your benefits
Check out what you can gain by partnering with epruf.
You will gain new areas of support for your customers
Drug products are a huge area to be developed, which is in line with the growing demand of Poles for assistance in treatment. It is worth thinking about the pharmaceutical market, where Poles will spend nearly PLN 32 billion from their own pockets in 2022!
Increase thevalue of your insurance offering
Medical insurance adds value to many of the products on offer from insurers. You can provide your customer with additional support for recovery.
You will gain innovative, comprehensive and convenient solutions.
Cashless service and subsidy from a web application, are 21st century solutions.
You will strengthen your positive image.
Customer support by the insurer during illness, as well as after an accident, increases the positive perception of the insurance company.
You will benefit from a solution
with minimized risk.
Constructing the product to your needs, as an insurance company, and having full control over the use of the benefit, guarantees you a low financial risk of your investment.
You will gain in epruf an experienced business partner.
Risk calculation, billing, legal aspects, reporting and service to policyholders are areas of epruf's daily operations.
You will gain new areas of support for your customers
Drug products are a huge area to be developed, which is in line with the growing demand of Poles for assistance in treatment. It is worth thinking about the pharmaceutical market, where Poles will spend nearly PLN 32 billion from their own pockets in 2022!
You will increase the value of of your insurance offering
Medical insurance adds value to many of the products on offer from insurers. You can provide your customer with additional support for recovery.
You will gain innovative, comprehensive and convenient solutions.
Cashless service and subsidy from a web application, are 21st century solutions.
You will strengthen your positive image.
Customer support by the insurer during illness, as well as after an accident, increases the positive perception of the insurance company.
You will benefit from a solution with minimized risk.
Constructing the product to your needs, as a service provider, and having full control over the use of the benefit, guarantees you a low financial investment risk.
You will gain in epruf an experienced business partner.
Risk calculation, billing, legal aspects, reporting and service to policyholders are areas of epruf's daily operations.
Who are we?
We connect insurance companies, pharmacies and patients.
We help support the insured
On behalf of insurance companies, we develop and operate solutions that make pharmacotherapy easier for patients - mainly by reducing their private drug expenses.
We co-create and operate drug insurance
We are a partner of insurance companies at every stage of drug insurance creation - from concept building to after-sales service.
We work with the best
We work with market leaders in insurance and subscription healthcare.
We have several years of experience
Since 2009, we have been working with insurance companies, handling drug insurance on their behalf.
We support Poles in pharmacotherapy
We provide services that support policyholders through the treatment process - from the first symptoms of illness to complete recovery.
We are an incubator of solutions to support patients
We are looking for comprehensive solutions to support Poles in taking care of their health, because we believe that a patient should not be left alone after receiving medical advice.
We are part of Pelion S.A., the largest company in the health care sector in Poland.
Pelion today is first and foremost:
Employees first - a stable workplace for more than 12,000 people.
more than 18 billion zlotys turnover per year
35 years of consistent work and continuous growth
comprehensive and safe distribution of medicines
Sustainable development of business lines and exploitation of the potential of new areas of health care
Sustainability and strategic approach to social responsibility
Competence epruf
Have questions?
Take a look at the questions our business partners ask us most often.
What is drug insurance?
This is insurance that allows reimbursement for the purchase of medicines covered by the insurance contract. In the situation of purchasing medicines related to the occurrence of an illness, hospital stay or accident, part of the payment for medicines is covered by the insurance, and the insured person from his own pocket has to cover only a small part of the payment.
What is included in drug insurance?
The scope of covered products is agreed with the insurance company. We try to ensure that it is tailored to the actual needs of the insured and the type of insurance of which the drug module is a part.
How much does drug insurance cost?
The amount of the premium depends on many factors - the range of products, the level of subsidy, the design of the insurance. The value of the premium is always the result of epruf discussions with the insurance company.
How is the premium calculated?
The premium is calculated by epruf, taking into account the product concept agreed with the insurance company and a range of data related to the functioning of the pharmaceutical market. When proposing the value of the premium for the benefit payment, epruf presents the insurance company with an analytical document detailing the recommended amount. In addition, at each stage, epruf analysts answer actuarial questions.
How can the insured benefit from drug insurance?
Drug insurance can be provided in one of two models:
- Non-cash - when purchasing a drug at one of the pharmacies cooperating with epruf, the insured shows the pharmacist his drug ID. Subsidization occurs automatically when the transaction is finalized at the pharmacy within a fraction of a second. This model is available in 75% of pharmacies in Poland.
- cash - at any pharmacy, the insured pays for the medicines himself, after which he sends a claim for reimbursement through the web application or by mail. After verification of the application, the funds are transferred to the bank account indicated by the insured.
How to create drug insurance?
epruf has experience in handling the full process of launching and operating drug insurance:
- identifies the needs of the insurance company and its customers;
- prepares a preliminary insurance concept with premium calculations;
- works out the final shape of the product in cooperation with the insurance company;
- Cooperates in the preparation of cooperation agreements, general terms and conditions of insurance;
- Supports the insurance company in the implementation of drug insurance from the communication, sales, marketing side;
- implements insurance from the operational and IT side in cooperation with the insurance company;
- supports drug insurance;
- conducts analysis for the insurance company;
- Accounts for benefits paid to the insured;
- settles benefits with pharmacies that support a cashless model;
- reports to the insurance company;
- Updates the scope of covered drugs;
- handles complaints;
- Provides and maintains a web application for policyholders (custom-label application).
The detailed scope of epruf services is agreed with the insurance company.
What is the role of the insurance company?
The detailed division of roles is always decided between the insurance company and epruf in the course of discussions. Most often, the insurance company is responsible for product sales and marketing.
How does an insurance company need to prepare to implement drug insurance?
How an insurance company prepares to implement drug insurance is based on a number of factors. These are determined during discussions with epruf.
epruf seeks to offer solutions that involve the insurance company as little as possible.
Contact epruf
Contact epruf!
Leave us a
message
Write if you are interested in our offer. You can also ask any question and choose the form of contact with our representative.