Health Insurance

Our health is the basis for all our future dreams and plans. Only a healthy person can be happy in his private life and be efficient at work. Health Insurance is not a luxury but a life necessity – the capacity to ensure quality of work and life. You can also take care of your company’s productivity promotion and insure your employees’ health!

Apply for policy:

Submit the application form, and we will contact you to prepare an insurance offer suitable for your preferences and requirements!​

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What is staff health insurance?

Health insurance the most valuable bonus for the employees offered by the employers in the labor market within the framework of social guarantee, motivation and loyalty promotion programs.

At their own discretion, employers can include in the BTA health insurance policy protection mandatory health examinations, patient contribution and paid medical services compensation both in outpatient and inpatient institutions, optics acquisition, dental service compensation, rehabilitation and other medical service compensation.

For staff, a health insurance policy is important financial support not only taking care of their health on a daily basis, but also a guarantee that, in the event of serious illness, they will not have to ask for financial help from their employer to cover the medical expenses.

Why choose BTA staff health insurance?


  • We ensure individual approach to each customer offering the health insurance policy protection based on the needs and possibilities of a particular company;
  • We ensure convenient claim submission and fast indemnity disbursement when medical services have to be paid from personal funds;
  • By acquiring health insurance policies for employees, the employer can use tax relief.

What tax relief can the company receive?

Based on Income Tax Law effective from 01.01.2018 an Employer, also concluding Health Insurance agreements, is exempt from the fringe-benefit tax for costs up to 100 euros a quarter (400 euros a year)

What services can be included in BTA staff health insurance?

Each employer can choose, based on what the employer expects and can afford – to what extent to include various services; for instance, he can include partially or completely compensated paid medical services, can set a particular limit or amount to what extent certain services included in the policy can be used, etc.

Basic Programs:

  • Ambulatory diagnostics and treatment
  • Outpatient paid services
  • Vaccination
  • Home visits
  • Outpatient rehabilitation
  • Inpatient diagnostics and treatment
  • Inpatient paid services
  • Emergency service
  • Paid childbirth (services related to pregnancy and childbirth)

Additional Programs:

  • Purchase of medicaments
  • Optics
  • Dentistry
  • Inpatient rehabilitation

What is the policy validity territory?

BTA in the only Insurer in Estonia who offers agreements with Insurance territory in all 3 Baltic countries

If the company’s employees often go on business trips abroad and the employer wants to ensure that the employees’ medical expenses, due to sudden illness or injuries, are covered outside the territory of the Baltic states, we recommend acquiring BTA Travel Insurance.

Ways to acquire the policy

If you want to acquire the staff health insurance, you can contact us in the following ways:

  • by filling in the application form on the BTA homepage – a BTA expert will contact you, acquire detailed required information, prepare the insurance proposal and send it to your e-mail address;
  • by calling BTA Customer support 568 68 668;
  • by sending a n e-mail to BTA Customer Service Centre by e-mail or Skype: bta_kindlustus;
  • by visiting the BTA office;
  • by contacting an insurance broker who is a partner of BTA.

How to receive additional information?

If you want to receive additional information about the health insurance policy protection or acquisition, contact the BTA Customer support by phone at 568 68 668 or in any other way convenient to you. See other ways of contacting in section “Contacts”

Insurance service information documents

  PDF E-doc
Insurance service information document


Insurance Terms and Conditions

Health Insurance Terms and Conditions​  
Conditions no. 3.2-2.
(Valid from 01.03.2019)
Conditions no. 3.2-1.
(Valid from 02.01.2018)