Polis.ge guide · Living in Georgia
MEDI: which services are available from day one and which start later?
When MEDI cover starts: doctor visits, tests and emergency care from the policy start date, planned hospital care from year two. A practical service timetable.
What does “from day one” mean?
It means the insurance start date printed in your policy. From that date, you can book your personal doctor and use services that have no additional waiting period. You choose the start date when applying; it may differ from the day you pay.
When can you use MEDI services?
The table separates routine appointments and tests from treatment. The share of costs paid by the insurer depends on your plan.
| Care you need | When it is available | How to arrange it |
|---|---|---|
| Personal doctor or pediatrician | From the policy start date | Choose a doctor at a partner clinic and book through MyGPI or by calling GPI. |
| Specialist consultations, tests and examinations | From the policy start date | Start with your personal doctor for tests and referrals. Some clinics allow visits without a referral. |
| Emergency hospital care, including after an accident | From the policy start date | Contact GPI to arrange care. For a life-threatening emergency, call 112 immediately. |
| Hospital treatment with a partner-clinic discount | From the policy start date, without a 12-month wait | This separate benefit is available in Standard, Classic and Premium. Obtain GPI approval for the chosen clinic before treatment. |
| Planned surgery and hospital care under Classic and Premium | From month 13 of continuous insurance | Obtain GPI approval before admission. This is a separate benefit from the partner-clinic discount. |
| Scheduled outpatient treatment procedures without an overnight stay | From month 25 of continuous insurance, with 50% of the cost covered | This waiting period concerns treatment procedures. Routine consultations, tests and examinations are available from the policy start date. There is no separate wait for stitch or cast removal following a covered event. |
How to arrange planned surgery
Send GPI the doctor’s report and treatment cost estimate at least 5 working days before admission. GPI will review the documents and, if approved, issue confirmation of funding for the clinic, called a guarantee letter. Arrange admission after approval.
Keep your insurance continuous when renewing
Renew MEDI without a gap: the new policy must start on the day after the previous one ends. This preserves the continuous insurance period used to determine when planned treatment becomes available.
If you upgrade to a more expensive plan at renewal, planned hospital care in the next year keeps the reimbursement terms of your previous plan. Discuss a plan change before renewing.
Common questions
Do I have to wait a year to see a doctor or have tests?
No. Consultations and examinations are available from the policy start date. The one-year wait applies to planned hospital care, not routine doctor visits.
Can I receive hospital care in the first year?
Yes. Emergency hospital care has no waiting period. Standard, Classic and Premium also offer a separate partner-clinic discount for treatment arranged with GPI in advance.
How can I check cover for an operation that is already scheduled?
Tell GPI the operation, clinic and policy start date. The insurer will check your insurance period and tell you what it can pay towards the treatment. Obtain approval before admission.
Sources and verification
Rules and service procedures were checked against these sources on the review date. Your policy determines the cover that applies.