Health Insurance for Estonian and European Union citizens

ERGO health insurance helps you to get to a specialist without waiting in line for treatment. We make medical care more readily available and cover the costs of paid health services.

If you are applying for or renewing a residence permit or visa and need health insurance click here.

With ERGO health insurance

  • you can consult with a medical specialist without a referral
  • we cover the costs of medical services that are not reimbursed by the health insurance fund
  • we reimburse the costs of examinations and health examinations necessary for the prevention of diseases/the possibility to detect diseases at an early stage
  • you can use video and phone consultations
  • we have fast claims handling, meaning you can conveniently submit the cost document of a doctor’s visit via ERGO’s mobile application.
  • When visiting our partner, you don't have to bother sending invoices yourself – ERGO and the partner settle with each other

When concluding the contract you will be able to select the insurance package that offers the coverage you need:

Mini insurance – you already have state health insurance, but would like to use additional health services that are not compensated by the health insurance fund.
Midi insurance – Midi Insurance includes all Mini Insurance covers, plus the compensation of dental and critical illness treatment.
Maxi insurance – the package offering the broadest coverage. It is suitable if you don’t have state health insurance.

To calculate the insurance premium, select your year of birth:

Year of birth:
Ravi Mini
Ravi Midi
Ravi Maksi
Medical services

Family physician and specialist medical care i

1000 € 1000 € 3000 €

Inpatient treatment i

2000 € 2000 € 10 000 €

Rehabilitation and aid equipment after an accident i

2500 € 2500 € 2500 €

Dental care after an accident i

2500 € 2500 € 2500 €

Prophylactic examinations i

50 € 50 € 100 €

Medical treatment expenses for critical illnesses i

0 € 7 000 € 7 000 €

Dental care i

0 200 € 200 €

Prescription medications i

0 0 150 €

Quarterly paymenti




Yearly payment





In case of a health problem

I would like counselling:

Examine the product and general terms and conditions
ERGO partners and contacts