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Expat Exchange - Insider's Guide to the Health System in Estonia
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City Center Tartu, Estonia


Insider's Guide to the Health System in Estonia

By Joshua Wood, LPC

Universal Tax Professionals
Universal Tax Professionals

Summary: Learn about the health system in Estonia: how it can and cannot be used by expats, nomads, retirees and others moving to and living in Estonia.

Estonia has a public healthcare system that provides free or low-cost medical care to its citizens. The public healthcare system is called the Estonian Health Insurance Fund (EHIF). Foreigners (expats and digital nomads) are allowed to use the public healthcare system in Estonia, however, they must pay for their medical care. Public hospitals are generally used for serious medical emergencies and major surgery, however, people may not recommend using them for minor medical issues. Public hospitals in Estonia are generally well-equipped and staffed with experienced medical professionals.

Estonia's Private Healthcare System

Estonia also has a private healthcare system that provides more specialized medical care. Private medical care is more expensive than public healthcare, however, it is often faster and more convenient. Expats primarily use private hospitals for their medical care, as they are more likely to have English-speaking staff and more modern facilities. Private hospitals are recommended for serious medical emergencies and major surgery, as they are more likely to have the latest medical technology and experienced medical professionals. Private hospitals in Estonia are generally well-equipped and staffed with experienced medical professionals.

Estonia's Top Hospitals

Estonia has several well-known hospitals, including:

  • Tallinn East Hospital (public hospital in Tallinn)
  • North Estonia Medical Centre (public hospital in Tallinn)
  • Tartu University Hospital (public hospital in Tartu)
  • East-Viru Central Hospital (public hospital in Kohtla-Järve)
  • Tallinn Children's Hospital (public hospital in Tallinn)
  • Tallinn Eye Hospital (public hospital in Tallinn)
  • Tallinn Cardiology Centre (private hospital in Tallinn)
  • Tallinn Plastic Surgery Centre (private hospital in Tallinn)
  • Tallinn Oncology Centre (private hospital in Tallinn)

Health Insurance Companies in Estonia

The most popular private health insurers in Estonia are Swedbank, SEB, and Luminor. These companies provide health insurance plans for individuals and families. Expats and digital nomads typically use these companies for their health insurance needs, as they are more likely to have English-speaking staff and more comprehensive coverage.

Insider Tips from Expats in Estonia: How to Navigate the Health System

"Estonia has a well-developed healthcare system that provides quality medical services to its citizens. The country has a network of hospitals, clinics, and health centers that offer a wide range of medical services, including preventive care, diagnosis, and treatment. Estonia also has a number of specialized medical centers that provide specialized care for specific conditions. In addition, Estonia has a number of private medical facilities that offer a variety of services, including cosmetic surgery and alternative medicine. The country also has a number of pharmacies that provide prescription and over-the-counter medications," commented one member living in Estonia.

"Estonia offers a wide range of healthcare services, including primary care, specialist care, hospital care, and mental health services. The public healthcare system in Estonia is funded by the government and is free for all citizens and permanent residents. The quality of public healthcare is generally good, with modern facilities and well-trained staff. Foreign residents are also able to access the public healthcare system, although they may need to pay for some services. Expats in Estonia can use the public healthcare system by registering with the Estonian Health Insurance Fund and paying a monthly fee. This will entitle them to the same services as Estonian citizens, including free primary care and specialist care," commented one member living in Estonia.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.


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City Center Tartu, Estonia

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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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