Health insurance for your employees

If’s health insurance is meant for companies for covering employees’ health-related costs and is a good addition for the national health insurance.

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We recommend health insurance because:

It will help to increase the satisfaction of employees and reduce labor turnover
If's health insurance enables employees of companies to use paid healthcare services at a lower cost and get the required treatment faster.
A significant bonus to highlight when recruiting new employees
Health is the most expensive asset and offering health insurance is a considerable advantage for an employee. Voluntary health insurance gives opportunity to get help faster.
Gives a great opportunity to motivate employees and to improve employer reputation
Happy employee = good work results, higher motivation and greater achievements. If the employee´s health is good, all this is possible.

Health insurance – what it is?

With If´s health insurance you don´t need to inform us as employer about labor mobility, because we have opportunity to use the connection to Estonian Tax and Customs Board.

From 2018, it is possible to contribute up to €400 per year into an employee’s health promotion without any additional fringe benefit tax.

This benefit is valid only if health insurance is provided to all employees of company.

Coverages	Descriptions
e-Doctor	The e-Doctor service is provided by Meliva Digital Clinic. Using the Digital Clinic is easy, convenient and available for everyone. A remote appointment in the Digital Clinic is the best option for patients whose medical concerns do not require physical appointment. Visitation fee is €19.90 and it will be fully covered by your health policy. Doctors in the Digital Clinic are available Mon-Fri from 8AM to 8PM. On weekends and public holidays from 9AM to 4PM.
Family or specialised medical care	Allows using paid specialised doctor´s services or family physician’s services without referral or paid family doctor´s services. We will indemnify the visit fee and the cost of medically necessary analyses, studies and procedures prescribed by the doctor. The insurance cover for the outpatient treatment also includes daily stationary and e-Doctor online service.
Occupational health checks	We indemnify the cost of the occupational health check required by the law and carried out during the insurance period. There is no deductible for the indemnification of the cost of occupational health checks.
Employee´s health certificates	We indemnify the cost of issuing the health certificate for the employee if the need for the health certificate arises from a legal act and is related to employment with the employer. There is no deductible for the indemnification of the cost of medical certificate.
Preventive medical examinations	Allows going to medical examinations without a doctor’s referral (e.g. complex eye examinations, sports examinations or other health analyses).
Psychological and psychiatric counselling and treatment	We indemnify the outpatient visit and consultation fee for psychologists or psychiatrists (including psychotherapists) as well as prescription medicines related to the treatment.
Outpatient medical rehabilitation	We indemnify the cost of outpatient rehabilitation prescribed by a doctor, e.g. medical massage, medical exercise, physiotherapy, osteopathy prescribed by a doctor.
Hospital treatment	Enables to speed up of going to hospital treatment by using the paid service. The hospital treatment must be approved by If in advance.
Vaccination	We indemnify the vaccination costs according to the chosen sum insured.
Prescription medicines	We indemnify the cost of prescription medicines sold in Estonia and prescribed by a doctor.
Dental care	We indemnify the cost of dental care in Estonia for the following services: consultation, preparation of treatment plan, dental treatment (incl. tooth extraction), oral hygiene services (including soda wash, pearl wash and removal of caries), dental surgery, X-ray, anaesthesia. Choosing the extended dental care cover, orthodontic treatment, costs related to implants and prosthesis will be covered.
Glasses, contact lenses	We indemnify the cost of glasses or contact lenses if the visual acuity has changed. The change of visual acuity needs to be identified during the insurance period.
Rehabilitation in hospital	We indemnify the rehabilitation provided in hospital and prescribed by a doctor following an illness or injury that is commenced within 60 days after the termination of hospital treatment. Rehabilitation must previously coordinated with If.
Obstetrical care	We indemnify the cost of paid services provided to the mother of a child being born at the hospital in relation to the birth (e.g. paid midwife at birth, paid hospital room). Father of a child being born can use the obstetrical care cover for covering the costs of paid family room at the hospital.
Treatment of the veins and sclerotherapy	We indemnify the visit fee as well as the cost of medically necessary analyses, studies and procedures prescribed by the doctor. Both ambulatory and hospital treatment are covered if it is prescribed by the doctor.

If Mobile app

Employees of company can start to use If Mobile app after company has an contract with If. In If Mobile app you can keep track of refundable services and used limits.

e-Doctor and Digital Clinic

If’s new health insurance consultation service e-Doctor enables you to consult a doctor online, get health-related recommendations and renew your prescriptions without having to visit a doctor. Health insurance consultation service e-Doctor is provided by Meliva (former Qvalitas) Digital Clinic.

Find out how to use the e-Doctor service

What should you do in case of illness or need for treatment?

If the insured has fallen ill or needs other treatment, he or she can choose a suitable medical institution. A person can turn to a specialist doctor without a referral. A referral is always needed for medical examinations. Expenses related to hospital treatment and rehabilitation in hospital must be previously approved by If.

When using the service, the insured must pay for the treatment. In order to receive indemnity, the form on damages to health must be completed. Before completing the form:

take a photo or scan your medical files (each document separately);
ask for the policy number from your employer;
find your bank account number.

If indemnifies the expenses to the maximum amount of the sum insured of the respective insurance cover, minus the deductible. If the insured is unable to pay for a service on their own, they may contact If in order to obtain a guarantee letter.

Documents necessary for applying for indemnity

Exchange of the health insurance data means processing of sensitive personal data. If is registered in the respective register of the Data Protection Inspectorate as a processor of sensitive personal data.

We request you to cooperate with us in solving the loss event, because all documents concerning the event have to be presented to us in order to make the decision:

Doctor’s consultations: document verifying the cost of the health service (visit fee invoice, receipt etc.);
Medical examinations and analyses: a document verifying the cost of the health service and a copy of the referral (e.g. Health Portal);
Prescription medicines: a receipt on the purchase of the medicine and the prescription (Health Portal );
Glasses or contact lenses: a receipt on the purchase of the glasses or contact lenses, and a certificate on the change of visual acuity;
Vaccination: a document verifying the cost of vaccination and a copy of the vaccination record;
Dental care: a document verifying the cost of the health service and an extract of the health file of the treated person (certificate on which treatment was administered);
Rehabilitation: a document verifying the cost of the health service and a copy of the doctor’s referral (e.g. Health Portal);
Treatment in hospital: a document verifying the cost of the health service and an extract of the health file of the treated person (e.g. Health Portal).

The presented documents must verify that the service has been provided to the insured. Furthermore, it must be understandable that glasses, contact lenses or prescriptions are issued to and acquired by the insured. Referrals, certificates or extracts from the health files are not required to be submitted on If’s form.

Terms and conditions

Health Insurance Terms and Conditions for Employers (ENG) - THE-20231
Health Insurance Term and Conditions for Private Customers (ENG) - THE-ER-20231
Health Insurance Terms and Conditions for Employers (EST) - THE-20221 (for policies issued till 07.11.2023)
General insurance conditions - TG-20211
Health Insurance Product Information Page (EST) - 2023/01
Health Insurance Product Information Page - 2020/01 (for policies issued till 07.11.2023)