Health insurance
Health is a person’s most precious asset. In Estonia, the national health insurance is at a good level, but sometimes it is difficult to access medical services due to long waiting lists. Voluntary health insurance supplements the health insurance from the Health Insurance Fund or, in the absence of national health insurance, helps to cover medical expenses.
Why voluntary health insurance for a private person?
Voluntary health insurance provides the opportunity to use paid health care in a health institution that is suitable for you, to buy medicines, to visit a dentist and to use rehabilitation services. You can enter into a voluntary health insurance contract for yourself and your family member.
If your employer has taken out health insurance for you, read on more about employer’s health insurance.
Digital clinic
Solve simpler health problems conveniently in a digital clinic.
Doctor’s appointment
When booking an appointment for a doctor’s visit, you do not need a referral.
Hospital treatment
We will indemnify the cost of hospitalisation required after an illness or accident.
Additional covers
Prevent illnesses and check your health regularly.
Health calculator
for Estonian and European Union citizens
To calculate your insurance premium, please enter your year of birth and select the appropriate package.
To calculate your insurance premium, please enter following data:
Health insurance for Estonian and European Union citizens
The health insurance of a private person covers the costs of paid medical services, which are not covered by the Health Insurance Fund. Voluntary health insurance is also helpful if you do not have insurance from the Health Insurance Fund. ERGO health insurance helps you to access a medical specialist without waiting in a long waiting list for treatment and allows you to see a doctor even without a referral.
Digital clinic
A digital clinic is a safe environment where general practitioners and family physicians are easily accessible concerning health issues in real time and 7 days a week.
Outpatient family medicine and specialised medical services
In the case of complaints arising during the period insurance cover and after the end of the waiting period, covers the necessary family doctor's and specialist's visit fee, the costs of examinations, diagnostics, analyses and treatment procedures prescribed by the doctor.
Hospital treatment
Covers the costs of hospitalisation due to illness that occurred for the first time during the insurance period and after the end of the waiting period.
Prophylactic health checks
Covers the costs of medical examinations and tests carried out at the request of the insured person after the end of the waiting period. In addition, the costs of medical examinations necessary for monitoring diseases incurred before the conclusion of the insurance contract (including extension of prescriptions) will be compensated.
Prescription medications
After the end of the waiting period, we will reimburse the costs of prescription medications registered in the European Union as prescribed by our doctor.
Dental treatment
Covers the costs of dental treatment, hygiene services and examinations ordered by the dentist after the end of the waiting period.
Post-accident rehabilitation
We will indemnify the costs of rehabilitation and aids necessary after an accident, up to three months after the end of active hospitalisation, including:
- massage;
- electrotherapy;
- therapeutic gymnastics;
- support bandages;
- orthopaedic aids;
- wheelchair.
Post-accident dental treatment
We will indemnify the costs of repairing teeth that were damaged after an accident, including cosmetic surgery and prosthodontics involving the jaw or teeth.
Medical treatment expenses for critical illnesses
The costs of outpatient treatment, hospitalisation, medicinal products or rehabilitation for a critical illness that occurs for the first time will be indemnified during the insurance period and after the waiting period.
The following are considered critical illnesses: active tuberculosis, Alzheimer’s disease (before the age of 65), aplastic anaemia, bacterial meningitis, Crohn’s disease, organ or bone marrow transplantation, idiopathic Parkinson’s disease (before the age of 65), liver failure, multiple sclerosis, malignant tumour, cerebral stroke, coronary artery bypass grafting, acute chronic renal failure, heart surgery, acute myocardial infarction.
Health insurance for Estonian and European Union citizens
The health insurance of a private person covers the costs of paid medical services, which are not covered by the Health Insurance Fund. Voluntary health insurance is also helpful if you do not have insurance from the Health Insurance Fund. ERGO health insurance helps you to access a medical specialist without waiting in a long waiting list for treatment and allows you to see a doctor even without a referral.
Health insurance helps keep medical expenses under control
Quick access to medical care at a lower cost in the event of an unexpected illness or accident
Fast Digital Clinic with no deductible
Fast and transparent claims handling
A wide selection of insurance covers
How to use ERGO health insurance?
For medical care, you have the opportunity to contact the medical institution recommended by ERGO. If you have chosen a suitable medical institution, you should pay for the treatment services first yourself and then submit a claim for compensation to ERGO.
Here you will find more detailed information about claims handling.
Before seeing a doctor, you can conveniently check your insurance cover from ERGO health app.
