Health insurance claim

Supporting documents for an application for indemnity

The supporting documents necessary for an indemnity decision may be: 

• invoice for treatment provided;
• extract from the medical history;
• copy of the vaccination card or the corresponding entry on the Health Portal;
• extract from the Health Portal or the occupational health doctor’s decision on the need for rehabilitation treatment;
• documentary evidence of change in visual acuity, prescription;
• copy of the prescription for a medicinal product. 

You can find most of the required additional documents at terviseportaal.ee and eesti.ee.

Waiting period

Upon the first signing of an insurance contract, a waiting period will apply, wherein no indemnity will be paid for insured events occurring during such period.

Deductible

After the use of a medical service, the insured person must pay the deductible specified in the insurance contract and the cost of uninsured medical services themselves, based on the invoice provided by ERGO or the medical partner.