Health Insurance for Foreign Residents
Unexpected health issues can arise at any time
Enjoy your time in Estonia with peace of mind – your unexpected medical costs are covered.
Insurance coverage includes sudden illness, worsening of chronic conditions, and accidents.
Your active lifestyle is covered, including recreational sports. And if you take part in competitive sports, you can easily extend your coverage.
We cover necessary expenses:
Simple, fast and convenient
BTA aims to provide fast and convenient claims handling and make a decision as soon as possible.
Consult a doctor and collect all expense documents
See a doctor, but after the visit keep all expense receipts and medical documents.
Submit the required documents
Invoices, prescriptions, and certificates from the attending physician.
Insurance terms and information Document
Additional information
The insurance is suitable for a foreign national who is temporarily staying in Estonia on the basis of a visa or a temporary residence permit and who is specifically named in the insurance contract as the insured person.
Insurance cover is valid in the territory of the Republic of Estonia.
The insurance is valid during the period specified in the policy and begins on the start date of the insurance period, provided that the insurance premium has been paid by the due date.
In case of illness or exacerbation of a chronic disease, a waiting period applies as stated in the policy. No waiting period applies in the case of accidents.
✓ medical treatment (including hospital care with prior approval);
✓ prescription medications prescribed by a doctor;
✓ rehabilitation and medical aids resulting from an accident (e.g., crutches, orthoses, wheelchair);
✓ emergency dental treatment;
✓ transportation costs to the nearest medical facility for necessary first aid;
✓ medical evacuation to the permanent country of residence (if medically indicated and with prior approval);
✓ in case of death, cremation and/or burial costs in Estonia, or repatriation of remains to the insured person’s permanent country of residence (with prior approval).
The sum insured is the maximum amount we will pay for claims under one insurance contract.
For medical expenses insurance, the insurance limit is the maximum amount payable per insured person during the insurance period.
Insurance limits apply to specific types of cover and define the maximum compensation payable under each cover. These limits do not increase the overall maximum liability under the insurance contract.
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