Expat health insurance for Estonian visas

Yes, if you are a non EU foreigner, health insurance is legally required for most visas and residence permits.

Until you are insured through employment with EHIF or through a voluntary EHIF contract, you must hold valid private medical insurance.

Yes. Estonian authorities typically require at least €30,000 medical coverage including repatriation, valid for your entire stay.

This plan meets those minimum benchmarks and provides documentation suitable for PBGB submission

EHIF coverage usually begins one to two months after employment starts.

During this gap, private health insurance is mandatory. This plan is designed specifically for that transition period.

Yes. Digital Nomad Visa holders must maintain valid comprehensive health insurance for their full stay in Estonia. This plan provides compliant coverage for that purpose.

Yes. Students are not automatically covered by EHIF and must hold private insurance for the entire duration of their studies.

Yes. Many expats cancel private insurance once their EHIF coverage becomes active. Monthly cancellation allows flexibility during this transition.

You can download your insurance certificate and policy documents immediately after signing up. These documents can be submitted as part of your visa application or residence permit application.

Yes, dependents can be added to your plan. Please note that each dependent will have to have their own policy purchased, but we can add them all under one account for ease of access. To add a dependent, simply: 1. Sign up for expat insurance for yourself first (or for the person you want to be the main policyholder) 2. Once you sign up, log into your Feather account and click on your expat policy. 3. Click 'add dependents', then add the dependent. 4. The basic policy price for dependents under 18 years of age is the same (72 euros).

Yes, you'll have to pay upfront. We suggest paying the doctor or clinic as soon as possible to avoid any late fees. Following that, submit photos of all invoices, receipts, and documents related to the incident in your Feather account to get reimbursed. The reimbursement will be made to you, not to the doctor.

If you purchase a policy and the policy becomes active within 14 days of purchase, then you have 14 days to cancel your policy from the date of purchase and receive a full refund (as long as no claims were made during this period). However, if you purchase a policy with a start date in the future (over 14 days), then you have any time before the policy becomes active to cancel it and receive a full refund. After this period, you can still cancel anytime! Whenever you cancel, you would then no longer be charged during the next monthly billing cycle.

Yes, expat insurance will cover some dental treatment for new dental conditions requiring pain relief like simple fillings and cleanings. This treatment is covered for up to €500 per year Additional dental treatments like check-ups and teeth cleaning are not covered.

Yes. For this expat health insurance, there is a 31-day waiting period with reduced coverage. Life-threatening medical conditions are still covered during this period.

In some cases, the waiting period can be waived. You can find more information about this in our FAQ or by speaking with our team. Please note that this insurance only covers new medical conditions that start after the policy has begun.

For short stay Schengen visas, travel insurance with €30,000 coverage may be sufficient.

For long stay visas and residence permits, the insurance must be valid for the entire stay and meet required medical benchmarks. Basic short term travel policies may not always qualify.

Voluntary EHIF allows eligible residents with an Estonian ID code to buy access to the public healthcare system for a monthly contribution.

It provides full public coverage including pre existing conditions.

Private insurance is often used during arrival or visa phases before voluntary EHIF becomes available.