Do I need Health Insurance When Moving to Lithuania?

When planning a move to Lithuania, one of the essential considerations for expats and digital nomads is health insurance. Lithuania has a public healthcare system, but newcomers are not immediately eligible for this service upon arrival. Therefore, it is mandatory for those seeking residency to have valid health insurance that meets specific requirements. The insurance must cover emergency medical expenses, hospitalization, and possibly repatriation costs. The minimum coverage amount and length of coverage required can vary, but typically, the insurance should be valid for the entire duration of your stay or until you are enrolled in the public healthcare system. Ensuring that your health insurance is in line with Lithuanian regulations is crucial for a smooth transition to your new life in Lithuania.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements of various countries for incoming residents. However, it is vital to verify that the plan you choose complies with Lithuanian regulations. The insurance should provide comprehensive coverage, including emergency services, hospitalization, and repatriation. It is advisable to check if the policy is recognized by the Lithuanian Migration Department and if it provides the minimum coverage amount required by Lithuanian law. Additionally, the insurance should be valid for the duration of your visa or residence permit to ensure continuous coverage.

Which local health insurers offer this type of insurance?

In Lithuania, there are several local health insurers that offer plans suitable for expats and digital nomads. Companies such as Compensa, BTA Insurance Company, and Lietuvos draudimas provide various health insurance options that cater to the needs of foreigners moving to Lithuania. These insurers offer plans that are compliant with local regulations and can be tailored to include additional coverage based on individual needs. It is recommended to compare different plans and consult with the insurers directly to find the most suitable coverage for your stay in Lithuania.

Advice from Expats in Lithuania about Health Insurance

Experienced expats in Lithuania often emphasize the importance of understanding the local healthcare system and ensuring that your insurance plan provides adequate coverage. They advise newcomers to thoroughly read the terms and conditions of their insurance policies to avoid any surprises in case of medical emergencies. It's also recommended to choose a plan that has a straightforward claims process and offers customer support in English or a language you are comfortable with. Expats suggest considering plans that offer direct billing with hospitals and clinics to simplify the payment process. Lastly, it's beneficial to opt for a policy that includes coverage for routine checkups and prescriptions, as these can be significant expenses for long-term residents.