Global health insurance for
e-Residents of Estonia
Tailored solutions for remote workers and digital nomads with an OÜ.
Monthly webinars
Learn about basics, options and solutions from top experts.
For every nomads’ lifestyle
Tailored packages for short-term, long-term and lifetime nomadic souls.
Tailored for e-Residents
A concept that works especially well with your Estonian OÜ: Tailored to match with nomads’ needs, legislation and regulation.
Reliable partners
Established insurance providers with proven track record and impeccable reputation.
Running your company via the e-Residency of Estonia as a fully location-independent digital nomad makes a lot of sense for many entrepreneurs:
- Remote by design:
Estonia’s legal framework is purpose-built for location-independent business activities. - Digitally first:
Paper has always been obsolete in Estonia, and digital signatures are now legally recognized and implemented throughout the European Economic Area. - European standards:
Estonia’s legal and social structures are integrated within a framework characterized by mutual trust, equality, and consistent standards.
These features have enabled us, as insurance brokers specializing in global health insurance for nomads, to devise bespoke coverage solutions for e-Residents based outside of Estonia.
Our founder Christoph is e-Resident at heart.
Known
from:
Key features
One option for everybody
| Haigekassa | Long term business travel | IPMI company contract | |
|---|---|---|---|
| Age restrictions | None | Until age 67 | Life long: Option to prolong the coverage as a personal contract after leaving the company |
| Area scope | Estonia (and with limits the EEA) | Two zones: World including and excluding USA & Canada | 5 different world zones |
| Pros | – No health assessment – Pre-existing conditions and chronic diseases are covered – No dealing with claims and reimbursement (due to direct payments of the provider) – No age limit | – exact pricing per day – ultra flexible booking – very affordable – additional options (like income compensation during sick leave) – one price independent of the age | – No dealing with claims and reimbursement (due to direct payments of the provider) |
| Cons | – Premium rises with your salary – scope is limited to Estonia – emergency coverage limited to EEA – only an option for individuals without travel restrictions to Estonia (e.g. Schengen residents) | – ends with leaving the company – no coverage in Germany (can be booked on demand) | – price raises in age groups every 5 years |
| Pre-existing conditions | In public solidarity systems everything is covered (medical history disregarded). | Every symptom/treatment that existed in the last 6 month before start is excluded. | Full medical underwriting: Health conditions are assessed and whether included, excluded or priced with a risk loading. |
Subscribe for beta access
The products behind this concept are regulated and implemented by other markets in Europe. As they need to be localized for Estonia, we are onboarding new clients individually at the moment, and prioritizing by the best fit with available coverage. Please leave your email address, to receive a questionnaire to assess your needs and suitability for this unique insurance.
We take your privacy serious and will only process your data according to the law and our GDPR compliant privacy policy.
Monthly webinars
Global health insurance for e-Residents of Estonia
Together with different experts we host free monthly webinars about health insurance options for e-Residents of Estonia, where we:
- Share a general overview of what you need to know, about personal healthcare coverage
- Introduce the Estonian public universal healthcare system, Tervisekassa
- Discuss the different options for coverage, which makes the most of your e-Residency and your Estonian business, to support your nomadic lifestyle
Frequently Asked Questions
Is there a solution for all e-Residents?
There are no restrictions based on your citizenship or current residency, but you must have incorporated an e-Resident business in Estonia (this business will be the contract holder)
Can this e-residency insurance solution replace my current health insurance?
Subject to individual consultation: Potentially, yes, it can. However we strongly advise that you do not terminate any existing coverage, until we have reviewed your circumstances and provided a personalized recommendation.
Are Estonian accountants and business service providers familiar with this concept?
They should be! But we provide a comprehensive guide for your accountant (available on request), which we prepared in association with Estonian tax lawyers. This will answer all their questions and make sure they know how to deal with the related expenses and questions.
