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Health Insurance advantages for Employees and Employers in Estonia



FOR AN EMPLOYEE:
  • Opportunity to visit a specialist without a referral

  • Allows the choice of a suitable doctor and treatment facility

  • Private care costs are covered, which is not included in the State Insurance Fund

  • Decreases personal expenditures due to health

  • Quick and confidential – health information is not share with the employer


FOR AN EMPLOYER:
  • Helps enhance the reputation of an employer on the work market

  • Certainly, gives an advantage in recruitment

  • Increases the satisfaction of the existing workers and helps decrease employee turnover by giving a picture of a caring employer

  • Helps support the upkeep of a worker’s productivity and reduces the number of days that an employee is unable to work

  • The employee can choose a suitable doctor and treatment facility

  • The employee can deal with health concerns more quickly and economically

  • Employees with a positive mindset are more open and adjust to changes more easily


WHAT IS CORPORATE HEALTH INSURANCE?

Health insurance is the most valued social guarantee on the labor market that an employer can offer an employee.

Health insurance for employees is an insurance voluntarily taken out by an employer in the interests of its employees to supplement the state health insurance system. This is a great added value for employee motivation. Studies show that employees value an employer who cares about their health and well-being. In addition to holidays and flexible working hours, health insurance, life insurance and personal accident insurance have also become important.

Health insurance allows the company's employees to use paid medical services at no additional cost or at a lower cost (depending on the insurance program) and to get necessary medical treatment faster. Health insurance for employees is suitable for companies of different sizes in different sectors.

EMPLOYEE HEALTH INSURANCE ALSO COVERS DENTAL

Corporate Health Insurance also covers dental care for the company's employees, under which the company insures its employees in case they incur regular dental expenses or dental expenses caused by an accident. Dental Insurance is available only as part of the Corporate Health Insurance program.

WHAT RISKS ARE COVERED?

The employer has the opportunity to choose which programs and amounts are included in the Health Insurance Contract. For example, partially or fully reimbursed paid medical services can be added, a certain amount of limit can be set within which the medical services can be used. Employers can also choose to include compulsory health examinations of its employees in the Health Insurance Contract.

INSURANCE TERRITORY

Depending on the wishes and needs of the employer, the territory of the Corporate Health Insurance may be the Republic of Estonia or the Baltic States. In case of international insurance solutions (Morgan Price Health Insurance: Standard Plus, Comprehensive, Premium) - Europe, Worldwide except USA, China, Singapore and Hong Kong or Worldwide.

FAMILY MEMBERS

​Some health insurance solutions also extend to the employee's family members.

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