Voluntary insurance

If a person does not belong to any of the above groups, it is possible to enter into a voluntary insurance contract with the Health Insurance Fund. Upon entering into a contract, insurance premiums must be paid to the Health Insurance Fund.

The following persons are entitled to enter into a contract:

• People, who in two months prior to entering into a contract, have been insured at least 12 months through an employer, as a recipient of employment or service fees under a contract of the Law of Obligations Act, a member of a directing or a controlling body of a legal person, a sole proprietor, a pupil or a student;

• A person who has paid for insurance himself or herself, or for whom social tax has been paid while employed under a contract, under the law of obligations with a contract of employment or contract of service, under the law of obligations while under contract of management or a controlling body, as a sole proprietor or a spouse of a sole proprietor in the calendar year preceding conclusion of the contract at least twelve times calculated from the monthly rate established by the state budget for the fiscal year. These people may enter into a contract to insure either themselves or their dependents. Typically, a voluntary insurance contract is concluded for one year. 

Voluntary Registration

Under the Health Insurance Act it is possible to make a contract with the Health Insurance Fund extending all the rights and obligations of the insured person laid down in the Health Insurance Act to the beneficiary. The client service offices of the Health Insurance Fund’s regional departments enter into contracts giving the person equal status to a person having insurance cover.

The insurance premium for one calendar month in year 2018 is 158,70 EUR, quarterly payment is 476 EUR and annual payment is 1904 EUR.

The persons qualifying for the signature of the contract are those, who have been insured by the Health Insurance Fund for at least 12 months during the preceeding 2 years. Also, persons receiving their pension from a foreign country are eligible for the purposes of the contract. The aforementioned persons may make the contract to insure themselves or the contract may be concluded for their benefit.

Persons receiving pension from a foreign country also qualify for the signature of the contract, unless otherwise provided for by international agreements. Persons receiving pension from a foreign country need not be covered by health insurance beforehand.

The minimum contract period is 1 year. This means that the contract period may be longer than a year, but not shorter. The person signing the contract shall pay an insurance premium, which is equal to the average salary published by the Statistical Office in the calendar year preceding the signature and multiplied by 0.13. Thus, the amount of the insurance premium changes every year according to the development of the average salary in Estonia. The insurance premiums must be paid for 3 calendar months at a time.

The insurance cover extends to the person one month after signature of the contract. If the contract is signed at a time when the person has valid compulsory insurance cover under the Health Insurance Act, the insurance cover shall continue without any interruption. The contract terminates when the contract period elapses or when the compulsory insurance cover extends to him/her under the Health Insurance Act. If a person does not pay the insurance premium by the due date and has failed to pay the full amount in 14 days after the due date, the Health Insurance Fund has the right to terminate the contract unilaterally. If the contract is terminated on this basis, the person who signed the contract is required to pay compensation to the Health Insurance Fund in the amount of insurance premiums not received due to the premature termination.