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 gives you the opportunity to use paid medical services in a health care institution of your choice, buy medicinal products, visit a dentist, and use rehabilitation services without worrying about large medical bills, because we cover them for you. You can conclude 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 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 of insurance cover, it covers the necessary visit fee to the family physician and medical specialist, the costs of examinations, diagnostics, analyses, and medical 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 examinations carried out at the insured person’s request. In addition, the costs of medical examinations necessary for monitoring illnesses incurred before the conclusion of the insurance contract (including extension of the prescription) are indemnified.
Prescription medications
We will indemnify the costs of prescription medicines registered in the European Union and prescribed by our doctor.
Dental treatment
Covers the costs of dental treatment and hygiene services, and examinations prescribed by a dentist.
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
Wide network of medical partners
Fast and transparent claims handling
A wide selection of insurance covers
How to use ERGO health insurance?
For medical care, contact ERGO’s medical partner or another suitable medical institution. When contacting ERGO’s medical partner, you only have to pay the deductible agreed in the insurance contract and there is no need to submit an application for indemnity to ERGO. If you have chosen another medical institution, pay for the treatment services yourself first and submit an application for indemnity 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.
