Estonia International Health Insurance / Healthcare System

 

  Estonia

Estonia, officially the Republic of Estonia, is located in the Baltic region of Eastern Europe. It is bordered to the north and west by the Gulf of Finland and the Baltic Sea respectively, with the Russian Federation to its east and Latvia to the south. Estonians are descendants of the Finnic people and the sole official language of the country, Estonian, is very similar to Finnish. Formerly part of the Soviet Union, Estonia achieved independence in 1991 and joined the European Union in 2004. With a total land mass of 45,227 square kilometers and a population of just 1.34 million, Estonia is one of the least populated member states within the European Union. Increased investment followed until 2008 when the global financial crisis hit, leaving the Estonian economy in a state of distress. A number of economic measures were adopted and Estonia joined the Euro Zone on 1 January 2010. In comparison to other former Soviet Republics, Estonia’s relatively strong development has resulted in being rated the highest GDP per person of such countries. Estonia is widely acknowledged to have made considerable progress in the areas of education, democracy and political freedom, press freedom and economic freedom.

The health care system in Estonia has seen significant change since the early 1990s. Reforms have been carried out on a number of levels with the intention of redeveloping the public funding system, improving efficiency at the nation’s hospitals, improving the quality and accessibility of general medical care service, and a more efficient use of resources - in particular resources administering primary health care. A National Health Plan for 2009 to 2020 was created by the government with the intention of building on previous successes, and to establish programs that contribute toward continued improvements in the health care system. Estonians now enjoy a good standard of health care and in a recent EU study the country ranked a very respectable fourth place for healthcare services within the European Economic Community. These new national health reforms and programs have given the Estonian health care system added impetus. One strong indication of this success can be seen in the average life expectancy rate rising from 67 years to 73 years. Despite this notable success, population health in Estonia still falls short of EU averages. Cardiovascular diseases and cancer remain the primary cause of death in Estonia. A moderately high prevalence of HIV (1.2 per cent of the total population) and TB also pose challenges to public health resources and maintaining positive development.

The Ministry of Social Affairs has sole responsibility for delivering the Estonian health care system with a public health insurance fund being its primary source of finance. The Estonia Health Insurance Fund (EHIF) comprises contributions from employers and employees to ensure accessibility to primary level health care and to cover payment of all costs related to the use of health services by citizens in the event of illness. Employers are required to pay social tax for all employees, currently at a rate of 33 per cent of the taxable figure, of which 20 per cent is allocated for pension insurance and 13 per cent for health insurance. Children under 19 years of age, pregnant women, the elderly and the unemployed, while not required to make contributions to the fund, are members and enjoy the same benefits as paying members. Children and the elderly in particular make up nearly half of the fund’s members, representing a major fiscal challenge in the years ahead.

Estonia has created family orientated countrywide primary care, built upon an established network of well-trained physicians and nurses. All persons insured with the EHIF have access to a local family doctor. With the exception of emergency situations, the family doctor is the first port of call for Estonian citizens requiring medical assistance. Patients require a referral from this practitioner to visit a medical specialist. No referral is needed to visit a psychiatrist, gynecologist, dermatovenerologist, ophthalmologist, dentist, infection specialist, surgeon or orthopedist and some charges do exist for certain treatments. Adults wishing to visit a dentist are expected to pay in cash at the time of treatment for the majority of dental services offered.

Following independence, Estonia’s hospital network underwent major reorganization with the aim of reducing the large number of military hospitals that remained from the Soviet era. A number of infrastructural programs succeeded in both reducing the number of hospitals and modernizing the main health care system. Complicated medical treatment involving advanced procedures and technology has been relocated to the country’s larger hospitals. There are four national hospitals capable of providing secondary and tertiary care and two of these hospitals are located in the capital city Tallinn. Mustamae hospital and East Tallinn Central hospital provide specialist care and emergency services to residents of Tallinn and the surrounding Harju County. Pärnu Hospital and Ida-Viru Central Hospital serve citizens resident in Pärnu County and Ida-Viru County respectively. Tartu University hospital provides regional hospital services to residents of Southern Estonia.

Estonia is a member of the European Economic Area (EEA) and it has signed bilateral medical agreements with fellow member states. EEA citizens visiting Estonia who require emergency medical care and who hold a European Health Insurance Card (EHIC) are ensured access to emergency care on the same terms as Estonian citizens. Estonia boasts a high level of medical care, particularly in Tallinn, and other large cities such as Tartu and Pärnu. Estonia’s medical professionals are well trained but often complain of a lack of resources and equipment, particularly those operating in smaller cities and rural areas.

 

Estonia International Health Insurance

 

Travelers and short term visitors are advised to obtain supplemental travel health insurance with specific overseas coverage. The policy should provide for direct payment to the overseas hospital and/or physician at the time of service and include a provision for medical evacuation. Non-EU nationals visiting Estonia are strongly advised to purchase comprehensive international health insurance prior to travel. Obtaining medical cover will give peace of mind and ensure visitors are sufficiently covered for all possible medical situations. For more information about products and services, or to receive a free global health insurance quote, please contact GlobalSurance today.

 

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