Employed person
People who pay social tax or for whom social tax is paid have a right for health insurance.
All employers must register their employees' employment data and any changes to them in the employment register of the Tax and Customs Board.
If your health insurance data has not reached Tervisekassa, please contact info@tervisekassa.ee or call the customer service hotline (+372) 669 6630 to verify your data.
All employers must register their employees' employment data and any changes to them in the employment register of the Tax and Customs Board.
If your health insurance data has not reached Tervisekassa, please contact info@tervisekassa.ee or call the customer service hotline (+372) 669 6630 to verify your data.
All employers must register their employees' employment data and any changes to them in the employment register of the Tax and Customs Board.
If your health insurance data has not reached Tervisekassa, please contact info@tervisekassa.ee or call the customer service hotline (+372) 669 6630 to verify your data.
All employers must register their employees' employment data and any changes to them in the employment register of the Tax and Customs Board.
If your health insurance data has not reached Tervisekassa, please contact info@tervisekassa.ee or call the customer service hotline (+372) 669 6630 to verify your data.
Employee with an employment contract
Employees whose employment contract is permanent or lasts for more than one month and whose employer pays social tax on their wages are entitled to health insurance.
Commencement of health insurance
Health insurance commences for a person who already has insurance (for example, when changing jobs) when their employment details reach the Health Insurance Fund. If there is no previous insurance, insurance commences after a 14-day waiting period from the date of commencement of employment.
Employees whose employment contract is permanent or lasts for more than one month and whose employer pays social tax on their wages are entitled to health insurance.
Commencement of health insurance
Health insurance commences for a person who already has insurance (for example, when changing jobs) when their employment details reach the Health Insurance Fund. If there is no previous insurance, insurance commences after a 14-day waiting period from the date of commencement of employment.
Suspension of health insurance
Health insurance is suspended two months after the start date of the suspension of employment entered in the employment register (for example, if an employee enters military service, takes parental leave, etc.).
Health insurance does not suspend during unpaid leave if social tax is paid for the person at least in the minimum amount.
After the suspension ends, insurance continues from the day following the end date of the suspension of employment entered in the employment register.
Suspension of health insurance
Health insurance is suspended two months after the start date of the suspension of employment entered in the employment register (for example, if an employee enters military service, takes parental leave, etc.).
Health insurance does not suspend during unpaid leave if social tax is paid for the person at least in the minimum amount.
After the suspension ends, insurance continues from the day following the end date of the suspension of employment entered in the employment register.
Termination of health insurance
Health insurance terminates two months after the date of termination of employment entered in the employment register.
Termination of employment must be registered in the employment register within 10 days of the date of termination of employment. More detailed information is available from the Tax and Customs Board.
Termination of health insurance
Health insurance terminates two months after the date of termination of employment entered in the employment register.
Termination of employment must be registered in the employment register within 10 days of the date of termination of employment. More detailed information is available from the Tax and Customs Board.
Employee with a temporary contract, member of the management or supervisory body of a legal person
Health insurance is based on social tax paid for the person at least in the amount of the minimum obligation. The minimum obligation is calculated on the basis of the monthly rate.
In 2026, the monthly rate is 886 euros, and the minimum social tax is 292.38 euros per month.
Health insurance is based on social tax paid for the person at least in the amount of the minimum obligation. The minimum obligation is calculated on the basis of the monthly rate.
In 2026, the monthly rate is 886 euros, and the minimum social tax is 292.38 euros per month.
The Tax and Customs Board submits the data of persons for whom the minimum amount of social tax has been paid to to the Health Insurance Fund on the day following the deadline for submitting the TSD (income and social tax, mandatory funded pension and unemployment insurance contribution declaration) (10th day). If the 10th falls on a weekend or public holiday, the deadline is the next working day.
The Tax and Customs Board submits the data of persons for whom the minimum amount of social tax has been paid to to the Health Insurance Fund on the day following the deadline for submitting the TSD (income and social tax, mandatory funded pension and unemployment insurance contribution declaration) (10th day). If the 10th falls on a weekend or public holiday, the deadline is the next working day.
All employers, both natural and legal persons, must register their employees' employment data and any changes thereto in the Tax and Customs Board's employment register.
If your health insurance data has not reached the Health Insurance Fund, please contact info@tervisekassa.ee to check your data or call the customer service line at (+372) 669 6630.
All employers, both natural and legal persons, must register their employees' employment data and any changes thereto in the Tax and Customs Board's employment register.
If your health insurance data has not reached the Health Insurance Fund, please contact info@tervisekassa.ee to check your data or call the customer service line at (+372) 669 6630.
Individual entrepreneur (FIE)
An individual entrepreneur (FIE) who is entered in the commercial register is entitled to health insurance. The insurance data is submitted to the Health Insurance Fund by the commercial register.
Health insurance eligibility
Health insurance becomes effective after a 14-day waiting period following the submission of the data. If the insurance data is submitted while health insurance is already in effect, the insurance will continue without interruption.
An individual entrepreneur (FIE) who is entered in the commercial register is entitled to health insurance. The insurance data is submitted to the Health Insurance Fund by the commercial register.
Health insurance eligibility
Health insurance becomes effective after a 14-day waiting period following the submission of the data. If the insurance data is submitted while health insurance is already in effect, the insurance will continue without interruption.
Suspension of health insurance
Health insurance is suspended after 2 months from the date of entry of the suspension of activities, including seasonal activities, in the commercial register. The commercial register is required to submit data on the suspension and resumption of activities within 10 calendar days. After the suspension ends, health insurance will continue without a waiting period.
Suspension of health insurance
Health insurance is suspended after 2 months from the date of entry of the suspension of activities, including seasonal activities, in the commercial register. The commercial register is required to submit data on the suspension and resumption of activities within 10 calendar days. After the suspension ends, health insurance will continue without a waiting period.
Health insurance expiry
Health insurance expires when the deletion entry is made in the commercial register. Health insurance remains valid for 2 months after the deletion entry is made.
The commercial register submits the termination data within 10 calendar days.
Health insurance expiry
Health insurance expires when the deletion entry is made in the commercial register. Health insurance remains valid for 2 months after the deletion entry is made.
The commercial register submits the termination data within 10 calendar days.
Spouse or registered partner participating in the activities of a individual entrepreneur
The spouse of a private entrepreneur who participates in the activities of the company and is not a contractual employee or business partner of the private entrepreneur is entitled to health insurance.
Commencement of health insurance
Health insurance commences after a 14-day waiting period following the submission of data. If the insurance data is submitted at a time when health insurance is already in force, the insurance will continue without interruption.
The spouse of a private entrepreneur who participates in the activities of the company and is not a contractual employee or business partner of the private entrepreneur is entitled to health insurance.
Commencement of health insurance
Health insurance commences after a 14-day waiting period following the submission of data. If the insurance data is submitted at a time when health insurance is already in force, the insurance will continue without interruption.
Suspension of health insurance
Health insurance is suspended after 2 months of cessation of activity, including seasonal activity. The Tax and Customs Board submits the data on the suspension to the Health Insurance Fund within 10 calendar days. After the suspension ends, health insurance continues without a waiting period.
Suspension of health insurance
Health insurance is suspended after 2 months of cessation of activity, including seasonal activity. The Tax and Customs Board submits the data on the suspension to the Health Insurance Fund within 10 calendar days. After the suspension ends, health insurance continues without a waiting period.
Termination of health insurance
Health insurance shall terminate two months after the termination of participation in the activities of the company or after the deletion of the entry.
The validity of health insurance can be checked on the state portal eesti.ee under the service "Health insurance and family doctor information"(Opens in new tab).
Termination of health insurance
Health insurance shall terminate two months after the termination of participation in the activities of the company or after the deletion of the entry.
The validity of health insurance can be checked on the state portal eesti.ee under the service "Health insurance and family doctor information"(Opens in new tab).
Business account holder
A business account holder is entitled to health insurance if the social tax portion of the business income received in the previous calendar month is at least equal to the minimum social tax liability.
Health insurance coverage begins based on the data sent by the Tax and Customs Board after the date of receipt of social tax (after the 10th day of the month).
Insurance coverage ends after one month if the minimum social tax obligation is not met in the following month.
A business account holder is entitled to health insurance if the social tax portion of the business income received in the previous calendar month is at least equal to the minimum social tax liability.
Health insurance coverage begins based on the data sent by the Tax and Customs Board after the date of receipt of social tax (after the 10th day of the month).
Insurance coverage ends after one month if the minimum social tax obligation is not met in the following month.
Notaries and attorneys-at-law
Notaries and attorneys-at-law are entitled to health insurance, and their health insurance data is submitted to the Health Insurance Fund by the Chamber of Notaries or the Chamber of Attorneys-at-Law and Bankruptcy Administrators.
Commencement of health insurance
Health insurance commences 14 days after the notary or bailiff is registered with the Chamber of Notaries or the Chamber of Bailiffs and Bankruptcy Administrators. If the insurance details are submitted at a time when health insurance is already in force, the insurance will continue without interruption.
Notaries and attorneys-at-law are entitled to health insurance, and their health insurance data is submitted to the Health Insurance Fund by the Chamber of Notaries or the Chamber of Attorneys-at-Law and Bankruptcy Administrators.
Commencement of health insurance
Health insurance commences 14 days after the notary or bailiff is registered with the Chamber of Notaries or the Chamber of Bailiffs and Bankruptcy Administrators. If the insurance details are submitted at a time when health insurance is already in force, the insurance will continue without interruption.
Suspension of health insurance
Health insurance is suspended two months after the suspension of office or official powers.
The Chamber of Bailiffs and Bankruptcy Administrators or the Chamber of Notaries is required to submit information on the suspension and resumption of activities within 10 calendar days.
After the suspension ends, health insurance continues without a waiting period.
Suspension of health insurance
Health insurance is suspended two months after the suspension of office or official powers.
The Chamber of Bailiffs and Bankruptcy Administrators or the Chamber of Notaries is required to submit information on the suspension and resumption of activities within 10 calendar days.
After the suspension ends, health insurance continues without a waiting period.
Termination of health insurance
Health insurance shall terminate two months after the termination of activities, dismissal from office, or removal from office.
The relevant information shall be submitted by the Chamber of Bailiffs and Bankruptcy Administrators or the Chamber of Notaries within 10 calendar days.
Termination of health insurance
Health insurance shall terminate two months after the termination of activities, dismissal from office, or removal from office.
The relevant information shall be submitted by the Chamber of Bailiffs and Bankruptcy Administrators or the Chamber of Notaries within 10 calendar days.
Civil servant, active military personnel, member of the Riigikogu, President of the Republic, member of the government, judge, Chancellor of Justice, Auditor General, national conciliator, member of a local government council, member of a city or rural municipality government, head of a sub-municipality or city district
The following persons are entitled to health insurance persons working in the public service in state and local government institutions, persons employed as professional soldiers or in alternative service, members of the Riigikogu, the President of the Republic and members of the Government, judges, the Chancellor of Justice, the Auditor General, the National Conciliator, members of local government councils, members of city and rural municipality governments, and heads of sub-municipalities or city districts.
Health insurance coverage begins after a 14-day waiting period from the date of commencement of employment entered in the employment register (TÖR). If the date of commencement of employment falls within the period of valid insurance coverage, the insurance coverage continues without interruption.
Health insurance ends two months after the date of termination of the contract.
The termination of the contract must be registered in the employment register within 10 days.
The following persons are entitled to health insurance persons working in the public service in state and local government institutions, persons employed as professional soldiers or in alternative service, members of the Riigikogu, the President of the Republic and members of the Government, judges, the Chancellor of Justice, the Auditor General, the National Conciliator, members of local government councils, members of city and rural municipality governments, and heads of sub-municipalities or city districts.
Health insurance coverage begins after a 14-day waiting period from the date of commencement of employment entered in the employment register (TÖR). If the date of commencement of employment falls within the period of valid insurance coverage, the insurance coverage continues without interruption.
Health insurance ends two months after the date of termination of the contract.
The termination of the contract must be registered in the employment register within 10 days.