Health Insurance

BTA Health Insurance provides faster and more accessible medical care

Advantages of BTA

Additional information and insurance terms

Health insurance is the most valued benefit of the social guarantee schemes offered to employees on the labour market.

Employers can add mandatory health examinations, patient contributions and paid medical service benefits, both inpatient and outpatient, psychologist and psychiatrist services, purchase of optical products, dental care benefits, rehabilitation and other medical expenses to the BTA Health Insurance Contract.

Employee health insurance is an important financial support not only in everyday life, but also as a guarantee that employees do not have to ask the employer to help reimburse the costs of treatment in the event of a serious illness.

BTA Health Insurance can be concluded by legal entities registered in the Republic of Estonia. The minimum number of insured employees is 5.

From 1 January 2018, the employer will be able to contribute up to EUR 400 per year (EUR 100 per quarter) per employee without additional tax costs to the promotion of employee health.

All information can now easily be found on your smartphone. Download the mobile app to keep track of your insurance products and limits used or report a claim.

Insurance service information documents

Health Insurance Terms and Conditions​
Conditions no. EE.02.01
effective as of 01.04.2023

General Insurance Terms and Conditions
Terms and Conditions No. GC 2019.0
effective as of 01.07.2019

Terms and Conditions No. GC-2012
effective as of 01.12.2011 till 30.06.2019

Health Insurance Terms and Conditions​
Conditions no. 3.2-2.
effective as of 01.03.2019 until 31.03.2023

Conditions no. 3.2-1.
effective as of 02.01.2018 tilll 30.04.2019

Get in touch

Fill in the application and we will contact you on the desired topic.

Fields with an asterisk are required.

I would like to receive personal offers and marketing information by e-mail.

I am informed and agree to the BTA Privacy Policy



{{sparsePrice(price, true)}} €



Deductible Casco
Insured risks

We indemnify in BTA traffic damage caused by the party who has taken out motor insurance and the cost of medical treatment for third parties (owners of other vehicles, cyclists, pedestrians) and damage to property of third parties.




{{translation('one_property_covered_deductible')}}{{coveredPopup.deductible}} €


{{coveredPopup.formattedPrice(item.price)}} €accident_one_day_per_person
{{coveredPopup.sparsePrice(price, true)}} €

Let us remind you

{{productReminderMessage}} {{productReminderDate}}.

Agree to receive marketing and special offers
Your session will end in:


{{ fieldsPopupHeading }}
{{ cmsFields.youngestDriver.label }}
{{ cmsFields.drivingExperience.label }}
{{ cmsFields.territory.label }}
{{ cmsFields.drivingExperienceLessThanThreeYears.label }}
Please wait!

We need few seconds to calculate best prices for you, you don’t even have time to read this message :)

Cookies Settings
Cookies settings
This website uses cookies that are strictly necessary for this website to work.
With your consent, this website may additionally use statistical and marketing cookies.

If you accept all cookies, please click "Allow".
If you wish to refuse cookies, please click "I don't agree". You can manage your preferences by clicking "Customize preferences".

For more information, please see our
Cookie Policy
For more information, see our
Cookie Policy

Functionality (necessary) cookies

These cookies are necessary for the operation of the website and cannot be disabled. These cookies can be divided into session cookies and persistent cookies, which do not store personally identifiable information. Session cookies are deleted as soon as you leave this site.

Statistics cookies

These cookies are used to measure the use of the website and traffic sources to obtain information required to improve the website’s performance. These cookies help us to determine – which sections of the website are the most popular and learn about our users' browsing habits. For this purpose, we use the Google Analytics statistics engine. All information collected is anonymous and cannot be used to identify you.

Marketing cookies

These third-party cookies are used to display personalized ads according to your preferences. We use cookies to help us collect information about your usage habits on this website and to allow us learn of your interests so that we could show you only ads that are relevant to your usage habits. In case you prefer us not to show you any ads, leave this menu check-box blank.