We offer premium health insurance in Codemagic

For Estonian employees

We have a package which covers 80% of the costs and you cover 20%. It includes doctor visits with priority, dental, physiotherapy and massages, special diagnostic (e.g. MRI, CT scans etc.), mental health doctors, prescription drugs should be included as well.

This means if you go to book a time at a private clinic or paid service in Estonia then 80% of the costs will be re-imbursed and you pay for 20% of the costs. For context MRI at confido cost about €200 I think and doctor visit is typically under €100.

For People working abroad

You need to find local provider

Make sure to:

1. Insurance covers chronic illnesses and pre-existing conditions! This is important because otherwise, if you have high blood pressure and need antibiotics, they may try to avoid coverage and blame it on a previous condition, in spite of it having nothing to do with an infection in this case. (true story) And there is typically little you can do to make them reconsider and it will just drag out the claim.

We cover in-patient, outpatient, dental, vision, screening & vaccines, wellness (mental health), and maternity (20% co-insurance). Insurances typically have some package deals - pick the middle option.

examples of limits in Estonia when you have public health insurance and want private in addition to that:

12 month period:

Outpatient treatment - Deductible 20% - 4000 €

Special diagnostics - Deductible 20% Remaining 300 €

Hospital care - Deductible 20% - 1000 €

Mental health - Deductible 20% - 400 €

Outpatient rehabilitation - Deductible 20% - 150 €

Preventive health checks - Deductible 20% - 200 €

Dental care - Deductible 20% - 200 €

Example of generic insurance all over the world (excluding US, Hong Kong, Singapore (up to $50k there)) limits if you don't have public insurance and need health insurance for everything:

Up to $1.5M per policy year

For medically necessary expenses, including, but not limited to:

• Hospitalization & surgeries

• Ambulance transportation

• Cancer treatment

• outpatient - $ 5000

• screenings & vaccines - $ 500

• vision - $ 500 (Eye exams, standard lens enhancement & contact lenses once every 12 months; frames once every 24 months)

• dental - $ 500

• Maternity - $ 4,500 with a 20% deductible (Covers medically necessary costs for pregnancy and childbirth.) Including pre and post-natal check-ups for up to 30 days following discharge. 10-month waiting period from signing up for insurance and being eligible for this coverage)

The above is what a premium insurance coverage would look like if you don't have public insurance.

If insurance provider asks you "how much do you want to spend" I suggest you tell them you are speaking with X Y and Z (other local providers) and would like a quote or some offers/packages on the coverage you requested so you can make a decision.

We will reimburse the cost of your health insurance by asking Anu and she will assist you further.