Employer’s health insurance

ERGO offers large and small companies the option of concluding a private health insurance contract for their employees. Employer’s health insurance complements national health insurance coverage and provides good added value to the employee motivation package. Conclusion of the contract is swift and easy for both the employer and the employee.

Beginning 1 January 2018, promotion of employee health will be exempt of the fringe-benefit tax, including health insurance premiums of up to 100 euros a quarter (400 euros a year).

With ERGO health insurance

  • rapid access to a medical specialist without a referral
  • the costs of paid treatment services not compensated by the Health Insurance Fund are covered
  • you can choose a doctor that you know and trust
Companies with 3-20 employees may conveniently choose the package from those listed below that is most suited to their needs. In addition to the three packages presented here we may also offer bespoke solutions where the employer can choose suitable insurance coverage for their employees.

What the health insurance covers

Insurance plan Medical services
Health Mini
Health Midi
Health Maksi

Total sum insured i

1 500 € 1 750 € 17 600 €

Outpatient family doctor and specialist medical care i

1 500 € 1 500 € 2 000 €

Dental care i

0 € 150 € 200 €

Prophylactic examinations i

0 € 100 € 200 €

Rehabilitation prescribed by the doctor i

0 € 0 € 200 €

Inpatient treatment i

0 € 0 € 5 000 €

Critical illnesses i

0 € 0 € 5 000 €

Treatment of teeth damaged in an accident i

0 € 0 € 2 500 €

Rehabilitation after an accident and related aids i

0 € 0 € 2 500 €

Annual insurance premium per employee

62,5 €
(250 € a year)
100 €
(400 € a year)
170 €
(680 € a year)

Good to know:

  • In case you have health worries, you can book an appointment with an ERGO’s cooperation partner. The list is here.
  • If you turn to a cooperation partner, you do not have to pay for the treatment; ERGO will do this on your behalf.
  • If you select a doctor that is not on ERGO’s list of cooperation partners, you will initially have to pay the invoice yourself. Submit the invoice and receipt to us via ERGO’s health insurance app and we will reimburse the cost within 14 days. In the case of larger medical treatment expenses, we ask that you please contact ERGO prior to seeking treatment, so that we can provide you with a letter of guarantee – this way you will not have to pay any large medical treatment invoices yourself. 

Ask for advice and an offer!

To conclude an insurance contract, contact the experts at ERGO. We will help you figure out your plans and make you the offer that suits you best. Ask for a health insurance offer for your company by writing to the e-mail info@ergo.ee or calling our customer service at 610 6500.

Ask for an offer

Terms and conditions