The author describes the regulations of the process of buying services which are guaranteed to
the insured parties. This is a very important issue from the point of view of the very concept of
health service which seeks to ensure adequate treatment to those who are eligible to receive it, and
which (this being a characteristic of a health insurance model) can only be provided by qualified,
professional providers of the services. Consequently, there are three subjects active in the process:
the insured, the insurance institution and the medical doctor. Such a situation requires a complicated
system of buying medical services. This is a group of issues related to the admission of doctors
and hospitals to the system, allowing them to participate in it and negotiate the conditions and
contracts, as well as a control exercised over the providers of the said services, making sure that
the financial resources are effectively and properly utilised. In the author’s opinion the German experience
is a good starting position from which Polish solutions of these problems could develop, as
proper solutions are necessary for the stability of a comprehensive health insurance system