Health insurance | Health insurance

Advantages of the company when insuring employees

Purchasing a health insurance policy is 1.7 times more profitable than increasing your salary
Reduced number of sick leaves
Health insurance policy is the first factor in the bonus package that a new employee pays attention to when evaluating a job offer
Policy expenses up to 750 EUR per annum (per employee) are not subject to tax

Obligations:

Payments for optics if required for work (Cabinet Regulation No.343, Clause 14)
Payment of the mandatory health examination once every 3 years (Labour Law, Article 36, (3))
Mandate insurance (Cabinet Regulation No. 969, Clause 8.11)

*The information was collected on October 1, 2024

Benefits for insured employees

Medical care within days, not months
Using an insurance card instead of own funds
Safety cushion for expensive treatment – the policy also covers the costs of operations
The unpaid portion of medical checks can be declared to the State Revenue Service for a refund of income tax

Our proposal

We explain the advantages and disadvantages of insurance offers in simple language
Coordination and comparison of the most advantageous insurance offers, high-level analysis
Insurance policy administration
Recommendations for using the insurance policy
Challenging compensation decisions, engaging experts to resolve situations

Other employee welfare solutions

Health insurance outside Latvia
Life insurance – protection in case of large loans, savings for the child's future, a large purchase
Accident insurance – a particularly advantageous and thoughtful program for various life circumstances
Critical illness insurance
Travel insurance, including insurance against strikes

Interesting facts

of employees care if they have health insurance*

rate it as the most important additional benefit*

lower employee turnover in companies with health insurance**

*10.2021 Norstat study (survey of 1011 LV residents aged 18 to 74)
**LinkedIn research, surveying 7,000 respondents in 35 countries

Your insurance partner

Insurance broker with extensive experience in claims settlement. Has a sports education, has repeatedly taken medical courses and has experience in professional sports (tennis). Expert knowledge of insurance terminology and focused on results. The share of health insurance policies is 65% of the total portfolio, the annual amount of which exceeds 1,000,000 EUR of insurance payments.

Previously worked in insurance companies BTA and Gjensidige, mastering the risk assessment side, the nuances of claim settlement and studying the psychology of insurance company employees. Helped clients to receive compensation in several cases when the claim amount exceeded 10,000 EUR (both in personal insurance and in non-life insurance).