Fondo Est Health Insurance
The CCNL Commercio e Terziario, applied by Agile Lab, provides for a supplementary health insurance fund for employees: the Fondo Est. The contribution to the Fondo Est is paid entirely by Agile Lab.
Who is eligible?
Only permanent employees and apprentices, both full-time and part-time, are eligible. The following are excluded:
- Fixed-term workers
- Quadri (who benefit from the Qu.As. fund)
- Collaborators
- Partners and owners
When does it start?
The right to benefits guaranteed by the Fondo Est fund begins for each employee from the 4th month following the date of the first contribution payment by the company, which takes place on the 16th of the following month. In practice, it starts from the 5th month after hiring.
What does it cover?
The Fondo Est offers various healthcare benefits, including:
- Specialist visits and diagnostic tests
- Dental care
- Prevention (regular check-ups)
- Reimbursement of National Health Service (SSN) tickets
- Hospitalisation allowances
- Assistance for major surgery
For an updated list of benefits and maximum limits: www.fondoest.it
The Fondo Est services are exclusively for employees and cannot be extended to family members or, in general, to third parties.
How to register?
For the registration procedure, here is the link Fondo Est - Assistenza sanitaria integrativa
You can only register once the fund's coverage has actually started, as your tax code will not appear in the systems until then.
How to use it?
You can:
- Book appointments at one of the facilities affiliated with the fund, which can be found on the website by accessing the reserved area.
- Request reimbursement for services already provided and booked externally
You must upload the medical documentation, which must include:
- The doctor's prescription, whether it is from your general practitioner or a specialist.
- The invoice for the service.
Check that no other documents need to be attached for the type of appointment, such as documents certifying the type of illness you are suffering from (oncology packages, maternity packages).