- Placówki edukacyjne i jednostki naukowe dołączyły do grona zainteresowanych zakupem polis zdrowotnych.
- Pracownicy sektora edukacji są na trzecim miejscu pod względem zapadalności na choroby zawodowe.
- Z ubezpieczeń zdrowotnym korzysta już ponad 2,4 mln Polaków, większości z nich w ramach polis grupowych zapewnianych przez pracodawców.
Jeszcze do niedawna głównym odbiorcą grupowych ubezpieczeń zdrowotnych był biznes, a w szczególności duże firmy i zagraniczne korporacje. Z czasem do grona zainteresowanych zakupem dostępu do prywatnej opieki medycznej dla pracowników dołączyły podmioty z sektora MSP, a niedawno dołączyły do nich również placówki edukacyjne, które nie były dotąd kojarzone z oferowaniem rozbudowanych benefitów pracowniczych.
Początek tego trendu zauważyliśmy już jakiś czas temu, ale dopiero w 2018 r. nastąpił zdecydowany wzrost liczby zapytań o możliwość zakup ubezpieczenia ze strony jednostek naukowych. W ostatnim półroczu zauważyliśmy 28% wzrost zainteresowania polisami ze strony szkół, przedszkoli czy instytutów naukowych, w porównaniu do pierwszych miesięcy minionego roku. Benefit w postaci dostępu do prywatnych świadczeń medycznych jest jednym z elementów budowania wizerunku przyjaznego pracodawcy – mówi Małgorzata Jackiewicz, Dyrektor Sprzedaży Ubezpieczeń Zdrowotnych w SALTUS Ubezpieczenia.
Nauczyciele jedną z grup najbardziej narażonych na choroby zawodowe
Warto podkreślić, że pracownicy jednostek edukacyjnych często cierpią na przewlekłe choroby narządu głosu. Jak wynika z Centralnego Rejestru Chorób Zawodowych, to schorzenie plasuje się na trzecim miejscu pod względem najczęściej występujących chorób zawodowych w Polsce w 2017 roku[1]. Powszechnie wiadomo, że charakter pracy nauczycieli lub pracowników naukowych zmusza ich codziennie do nadwyrężania strun głosowych. W związku z tym nikogo nie powinien dziwić też fakt, że osoby zatrudnione w sektorze edukacji są trzecią grupą o najwyższym współczynniku zapadalności na choroby zawodowe w Polsce. Nie wolno też zapominać, że podstawą zdrowego stylu życia jest nie tylko odpowiednie odżywianie i aktywność fizyczna, ale i regularna profilaktyka diagnostyczna. W związku z tym, żeby utrzymać dobry stan zdrowia, pracownicy naukowi muszą mieć sprawny dostęp do badań, szczególnie tych pod kątem wykrywania schorzeń specyficznych dla ich zawodu.
Warto również zauważyć, że pracownikami szkół, przedszkoli czy innych jednostek edukacyjnych są w znaczącej mierze kobiety, a one lepiej niż mężczyźni rozumieją potrzebę przeprowadzania regularnych badań, w tym między innymi: mammografii, USG piersi czy specjalistycznej diagnozy pod kątem chorób tarczycy. Mogę zatem z pełnym przekonaniem stwierdzić, że ich potrzeby i świadomość roli profilaktyki w utrzymaniu zdrowia w istotnym stopniu wpływa na decyzję o podjęciu współpracy z ubezpieczycielem przez jednostki naukowe i edukacyjne – mówi Małgorzata Jackiewicz z SALTUS Ubezpieczenia.
Liczba osób objętych dodatkowym ubezpieczeniem stale rośnie
Zgodnie z danymi Polskiej Izby Ubezpieczeń podsumowującymi III kwartał 2018 roku, liczba ubezpieczonych zwiększyła się w ciągu roku aż o 20%. Aktualnie ponad 2,4 mln osób korzysta z ochrony oferowanej przez dodatkowe ubezpieczenia zdrowotne. Ponad 70% z nich ma dostęp do świadczeń w ramach polis grupowych zapewnianych przez pracodawców. Na rosnącą popularność tych ubezpieczeń wpływ ma przede wszystkim długi czas oczekiwania na konsultacje specjalistyczne i badania za pośrednictwem NFZ. Potwierdza to m.in. ostatnie badanie CBOS Korzystanie ze świadczeń i ubezpieczeń zdrowotnych. Aż 74% osób, które zdecydowały się samodzielnie zapłacić za usługi medyczne twierdzi, że uczyniło tak właśnie z powodu zbyt długich kolejek w państwowej służbie zdrowia.
[1] Beata Świątkowska, Wojciech Hanke, N. Szeszenia-Dąbrowska, Choroby zawodowe w Polsce w 2017 r., Instytut Medycyny Pracy im. prof. J. Nofera, Centralny Rejestr Chorób Zawodowych, Łódź 2018
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