Do I need Health Insurance When Moving to Estonia?

When planning a move to Estonia, one of the essential considerations for expats and digital nomads is health insurance. Estonia has a public healthcare system, but newcomers are not immediately eligible for this coverage upon arrival. Therefore, it is crucial to have private health insurance to cover any medical needs during the initial period of your stay. The Estonian government requires that individuals applying for a temporary residence permit have health insurance that covers up to 30,000 euros worth of medical costs throughout the duration of their permit. This insurance must be valid in Estonia and cover the entire period until you are covered by the Estonian Health Insurance Fund or until the expiry of your residence permit.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements set by various countries for residency applications. However, it is vital to ensure that the plan you choose is acceptable in Estonia. The insurance should cover medical expenses up to the required minimum of 30,000 euros and be valid for the entire duration of your temporary residence permit. It is advisable to check with the insurance provider to confirm that their coverage is recognized by the Estonian government and that it will suffice for the residency application process.

Which local health insurers offer this type of insurance?

In Estonia, there are several local insurance companies that offer health insurance plans suitable for expats and digital nomads. These insurers provide various packages that can be tailored to meet the government's requirements for residency. Some of the well-known insurance companies in Estonia include If Kindlustus, Salva Kindlustuse, and ERGO Kindlustus. These companies have experience dealing with expatriate clients and can offer plans that will be accepted as part of the residency application process. It is recommended to compare different plans and consult with the insurers directly to find the best coverage for your needs.

Advice from Expats in Estonia about Health Insurance

Experienced expats in Estonia often emphasize the importance of thoroughly researching and understanding the terms and conditions of any health insurance policy before purchasing it. Look for plans that offer comprehensive coverage, including outpatient care, emergency services, and possible repatriation. It's also wise to consider any pre-existing conditions you may have and ensure they are covered by the policy. Expats recommend reading reviews and experiences of others who have used the same insurance to gauge the quality of service and claims process. Lastly, ensure that the insurance company has a good customer support system, preferably with English-speaking representatives, to assist you with any questions or claims you may have during your stay in Estonia.