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
The e-Doctor service is provided by Qvalitas 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
 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
 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
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
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.
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.

Read more about If Mobile

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

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