Piotr Karda

Providing access to the latest medical advances is often a matter of life and death. Unfortunately, in many cases, this access is extremely difficult due to financial limitations – innovative therapies and drugs are often not covered by the reimbursement program and their prices are an insurmountable barrier for individual patients. An additional limitation is the time in which the treatment must be started in order to bring the desired results.

Laven offers employers the opportunity to offer complementary group health insurance for their employees, providing access to the latest advances in medicine. The design of the offer is the result of extensive industry experience of the team and consultations with industry specialists and doctors, so it relates to the real needs of patients. Laven insurance complements the already available on the Polish market forms of treatments financing: National Health Fund, medical insurance and health subscriptions. The scope of insurance covers diagnosis (including consultation with leading world experts) and the treatment itself, using innovative medical technologies, not covered by the reimbursement in Poland.

The profitability of the project is based on the proper construction and pricing of the insurance packages. It is ensured by a proprietary actuarial algorithm, which makes it possible to accurately estimate the probability of an illness and the total cost of its treatment. Its construction, based on individual assessments of particular medical technologies, allows to develop precise risk estimates and valuations for individuals and group insurance. The applicability of the mathematical model is also in no way limited to Poland – after substituting a data package, the same algorithm can perform precise valuations also on foreign markets.

The company’s team consists of:

– Piotr Karda (CEO) – over twenty years of experience in the insurance and banking market, former Head of Sales at Allianz, member of the Management Board of InterRisk, research and teaching staff at the Warsaw School of Banking,

– Piotr Piegdoń – over fifteen years of experience in building and managing companies from the legal, insurance, financial and medical sector,

– Michał Elżbieciak – over ten years of experience in building and managing startups in finance, medicine, IT, real estate, logistics, and FMCG,

– Wojciech Dzieżyc – over fifteen years of experience as an insurance agent and broker, representative in Poland of Medi Guide, a company offering a second opinion medical service on the global market,

– Bożena Dzieżyc – over twenty years of experience as a sales trainer, she has built and managed sales structures in Aviva, she provides consulting on designing and implementing new health products in insurance companies.

– Krzysztof Łanda – the originator and founder of the project and the author of the actuarial model assumptions; his professional experience includes the position of Undersecretary of State in the Ministry of Health, responsible for the drug policy, member of the Board of the National Centre for Research and Development, medical expert of the Polish Cancer Union and the Business Center Club; he was the President of HTA Audit, Meritum L.A. and MedInvest Scanner,

– Paweł Mańkowski – financial analyst with over twenty years of experience, held managerial positions in the finance and risk departments of the largest Polish financial institutions, including PKO BP, Raiffeisen Bank,

– Krzysztof Powązka – over twenty years of experience in international financial and insurance institutions, among others: Citi, Raiffeisen Bank, Allianz in positions from agent to regional director,

– Agnieszka Walczyk – experience in banking and projects related to development of new financial products, specialist in operations and sales organization,

– Patrycja Stankiewicz – advisor on organization building and development,

– Marek Lewonowski – capital partner, entrepreneurial experience on the Polish and international market,

– Agata Gontarz – experience in project management both in mature organizations as well as in start-ups.