Is Health Insurance Required When Moving to Latvia?

When planning a move to Latvia as an expat or digital nomad, it's essential to understand the health insurance requirements that will apply to you upon arrival. Latvia has a public healthcare system, but newcomers are generally not immediately eligible for this coverage. Therefore, having health insurance is not only a practical necessity but also a legal requirement for obtaining residency. The Latvian government requires that your health insurance policy covers a minimum amount of medical expenses, which typically includes emergency medical care, hospitalization, and repatriation for medical reasons. The coverage must be valid for the entire duration of your stay or at least until you are eligible to join the public healthcare system. It's important to ensure that your insurance meets these requirements to avoid any complications with your residency application.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance policies are designed to meet the requirements of various countries for residency applications. However, it's crucial to verify that the policy you choose complies with Latvia's specific requirements. The insurance should cover at least €42,600 for medical expenses, which is the minimum amount mandated by the Latvian government. Additionally, the policy must be valid for the entire duration of your visa or residence permit. It's advisable to contact the insurance provider directly to confirm that their coverage meets the Latvian standards before purchasing a policy.

Which local health insurers offer this type of insurance?

In Latvia, there are several local health insurance companies that offer policies suitable for expats and digital nomads. These insurers provide a range of plans that cater to different needs and budgets, ensuring compliance with the legal requirements for residency. Some of the well-known local insurers include BTA Insurance Company SE, Balta, and Gjensidige. These companies have experience dealing with expat clients and can offer guidance on the most appropriate coverage for your situation. It's recommended to compare different plans and consult with the insurers to find a policy that offers comprehensive coverage while also fitting your financial constraints.

Advice from Expats in Latvia about Health Insurance

Experienced expats in Latvia often emphasize the importance of thoroughly researching and understanding the terms and conditions of any health insurance policy before signing up. It's crucial to ensure that the policy provides sufficient coverage for both emergency and routine medical care. Expats also advise paying close attention to any exclusions or limitations in the policy, such as pre-existing conditions, to avoid unexpected expenses. Additionally, consider the reputation and customer service of the insurance provider, as having reliable support can be invaluable in times of need. Lastly, expats recommend opting for a policy that offers a straightforward claims process and has a network of hospitals and clinics that are easily accessible from your place of residence in Latvia.