Dental Insurance


All Estonian or foreign citizens aged 19-70 can join the dental insurance, regular treatment is provided in Estonian dental clinics



An insurance solution that reimburses you for dental expenses incurred during the insurance period (1 year) in the terms and conditions of the insurance contract


Dental insurance offers insurance coverage for regular e. conventional treatment, accident treatment (in Estonia and abroad) and oral cancer treatment if necessary


Are you an employee-friendly and caring employer? Do you want to support the retention of employees' ability to work and thereby reduce the number of incapacity for work days? Is it important for you that your employees receive affordable and faster solution to their health concerns? Ask for an offer now, write to us: or send an inquiry using "request quote" button.

We offer an individual approach to each client, offering a Corporate Health Insurance solutions according to the requirements and possibilities of a specific company.


From 2018, entrepreneurs will be able to pay health insurance contract insurance premiums up to € 100 per quarter (400 € per year) per employee tax-free.



30 €
Minor Treatments
280 €
510 €
690 €
Major Treatments
690 €
780 €
1 150 €
Implant Works
670 €
1 100 €
Regular Treatment (Estonia)
1 000 €
2 000 €
3 000 €
Oral Cancer Treatment
5 000 €
10 000 €
15 000 €
Accident Treatment (Estonia and abroad)
1 000 €
2 000 €
3 000 €
Insurance premium (paid monthly) x12
27.96 €
42.66 €
66.63 €

This is an indicative premium rate, which mostly depends on the number of employees in the company. In case of dental insurance, the deductible rate is always 0%, but the waiting period applies. For more information, contact our specialist by phone: (+372) 383 8118, email: 


  • Dental insurance is an insurance product that covers your dental expenses incurred during your insurance period (1 year) based on benefit rules agreed by the insurance terms and conditions.


  • Dental insurance offers insurance coverage for regular treatment, accident treatment and oral cancer treatment if needed. A list of all reimbursable treatments is available here.


  • Dental insurance is available to all Estonian or foreign citizens in age 19-70, provided that regular dental care is provided at dental clinics in Estonia.


  • When you sign up for dental Insurance, you can only insure the cost of treatment of the teeth that you have in your mouth at the time of signing up. Treatment of the teeth (replacement with an implant, bridge or denture) which have been removed before joining to dental insurance is not covered by insurance.


  • You can get refunded dental treatment rendered at any dental clinic in Estonia and, in the event of an accident, at any foreign licensed dental clinic.


  • To join dental insurance, all you have to do is choose the insurance coverage package, payment method (1-, 3- or 12-time payment) that suits your insurance interest, complete the insurance application and pay the premium or first installment of the Premium.NB! Your insurance coverage will be in force immediately as soon as you pay the premium or first installment, but regular and oral cancer treatments bills will be reimbursed in case of treatment after the waiting period.


  • Dental insurance risk ist aken by insurer’s AXA Group subsidiary XL Insurance Company SE in Ireland. AXA Group is one of the three largest insurance companies in the world. Insurers’ stability and strength is demonstrated by the Financial Strength Ratings, which is an assessment of an insurer’s ability to meet its obligations to policyholders. For XL Insurance Company SE, the financial strength rating is the A + given to those insurance companies that have the best ability to meet their insurance obligations.