Health insurance

• familiarise yourself with the insurance programme and its conditions at balta.lv or on the BALTA app;
• choose the best institution and make sure it is a BALTA partner;
• use the health insurance card for payments with BALTA partners.

Claim submission within 30 seconds. Payment of insurance proceeds within 1–2 working days. 

Claim submission within a few minutes. Payment of insurance proceeds within 1–2 working days. 

At BALTA head office, at Raunas iela 10, Riga. At any BALTA branch all over Latvia. Payment of insurance proceeds within 7 working days.

Fill in the claim application form. Enclose all the medical treatment and payment documents. Send the application by post to: AAS BALTA, Personu apdrošināšanas atlīdzību departaments, Skanstes iela 25, Rīga, LV-1013. Payment of insurance proceeds within 7 working days after all the necessary documents are received.

• Proof of payment including:
   - service provider details;
   - service recipient details;
   - details about the service received.
• Physician’s referral for tests, manipulation, outpatient and inpatient rehabilitation, inpatient treatment.
• Statement from outpatient or inpatient medical records on medical services received.
• Statement on dental services received (tooth number, surfaces, materials used, and service price).
• Drug prescription.
• Corrective eyeglasses or contact lenses prescription.
• Sports session schedule for sports services subscriptions, and other documents requested by BALTA as necessary for reviewing the claim.

Companies that offer health insurance policies to their employees as a sign of their commitment to their health are more competitive in recruitment.

In terms of choosing an employer, two thirds of workers cite health insurance as the second most important* motivating factor after salary.

* 2021 study data by BALTA in conjunction with Norstat research firm

Paying for and providing access to healthcare services motivates employees to regularly take care of their health, preventing the risk of illness, and to seek early help in the event of an illness, so that it does not progress to a more serious stage. This results in fewer and shorter absences from work due to illness.

Companies that compensate the healthcare expenses of their employees and offer other benefits experience less turnover in their staff. This saves them the costs of recruiting and training new staff, as well as the risk of disclosing trade secrets.

Health insurance not only boosts employee loyalty and improves the employer’s competitiveness on the market but also provides an additional financial benefit under the state tax policy. By purchasing a health insurance policy, the company saves 70% compared to paying the same amount in cash as a bonus because insurance is an additional tax-free* benefit for employees. Moreover, these funds are guaranteed to achieve their objective of supporting the employee’s health and cannot be spent on other purposes.

Download the tax calculator and calculate your benefits!

* The cost of the health insurance policy is not subject to personal income tax and mandatory state social insurance contributions (for more information about the limits, see Section 8 (5, 5.1, and 5.2) of the Law on Personal Income Tax). According to Section 8(5)(1) of the Enterprise Income Tax Law, health insurance costs are not subject to enterprise income tax.

• broad range of insurance programmes;
• custom offers based on the company’s financial capacity and the needs of its employees;
• expert insurance specialists who will explain the details and features of every programme;
• broad range of partner institutions across Latvia accepting health insurance policies;
• reimbursement of medical expenses at any medical institution operating in the territory of the Republic of Latvia in accordance with the procedure set in the laws and regulations of the Republic of Latvia;
• quick and easy submission of claims and payment of proceeds within 1–2 working days if the treatment was initially paid for out-of-pocket;
• excellent customer service.

Please contact BALTA to find the solution that best suits your company’s needs and financial resources.

Please note that BALTA only insures companies of at least five employees and the health insurance premium depends on the job of the people insured, their number, the programmes chosen, and the range of services covered.

By agreement with BALTA, the company can pay the insurance premiums in 2, 4, or 12 instalments without any additional fees.

Apply for an offer

• You can get healthcare services, including medical consultations, diagnostic and laboratory tests, dental care, etc. at the medical facilities registered in the Latvian Register of Medical Institutions and their Compliance.
• Sports services can be received in institutions registered as sports services providers (sports clubs, fitness centres, etc.).
• Medications can be bought in pharmacies.
• Corrective eyeglasses and contact lenses can be purchased in person at optician’s shops.

BALTA clients can get the health insurance services.

• By paying with their health insurance card. Using the health insurance card, clients can pay for the services provided at BALTA partner institutions included in the contract with BALTA and in line with the terms of the programme in question. Check the list of BALTA’s standard partner institutions HERE.

• By paying out-of-pocket. If you have received services from other institutions or these services are not included in the contract with BALTA, you can pay out-of-pocket and then submit an insurance claim to BALTA.

*Check your insurance programme for the range of services covered, the amount payable and the list of partner institutions, as it may differ from the standard list.

If you have any questions, please call 67500175.

Yes, in Latvia, all citizens and aliens of the Republic of Latvia, as well as other people included in the Register of Service Recipients have many options for receiving state-paid services.

Did you know?

• In 2023, 11,490,991 state-funded doctor consultations were provided to residents of the Republic of Latvia. Were you among those who used this opportunity?
• To receive scheduled state-paid healthcare services, the person must be included in the Register of Service Recipients (citizens and aliens of the Republic of Latvia are included by default).
• A tool for searching for state-paid healthcare services and approximate information about the time of receiving services is available on the website of the National Health Service:

Waiting lists for outpatient services 
Waiting lists for inpatient services

The patient co-payment is compensated by BALTA, meaning that you will incur no costs.

Before going to the medical institution:

• check the insurance programme, the services it covers, the payment limits, and its conditions at balta.lv or on the BALTA app;
• choose the medical institution and find out about the cost and availability of services because there are:
    - state-paid healthcare services, for which the patient’s co-payment is covered by BALTA, meaning that all your expenses will be covered;
    - paid healthcare services, compensated according to the amount and conditions of the insurance programme bought, so there may be cases where you have to pay for the service yourself;
• choose your best service provider and method for getting the service.

You can find out how to get state-paid services:
Waiting lists for outpatient services 
Waiting lists for inpatient services

If you have any questions, please call  67500175.

Important to know!

If you use your health card wisely and instead of using paid services, you choose state-paid services, you:

• will not use up your limited paid services too soon and will be able to use them later when you need them;
• will not unnecessarily increase the price of the policy, so that your employer can buy the same or better health insurance next year.

When receiving services at partner institutions, you must always produce an identity document (passport or ID card) in addition to your health card.

You may need a referral from your family physician or a specialist to receive the healthcare service.

Without a referral, you can get:
- consultations;
- vaccinations;
- mandatory medical examinations;
- medical certificates;
- dental services;
- sports services.

A referral by the physician is necessary for:
- diagnostic tests;
- laboratory tests;
- manipulations and procedures;
- outpatient and inpatient rehabilitation services;
- inpatient services.

A prescription is necessary for:
- the purchase of medications;
- the purchase of corrective eyeglasses and contact lenses.

If you have any questions, please call 67500175.

To receive a letter of guarantee for paid inpatient services, contact BALTA by phone 67500175 five working days before the planned surgery and send a filled-in application for the preparation of a guarantee for paid surgery via e-mail, to [email protected].

If you have paid for the health insurance services included in the programme out-of-pocket, submit a claim HERE!

If BALTA has not fully covered the submitted receipts, the amount not covered can be reported to the SRS as an eligible expense in the annual income statement, for claiming an overpaid income tax refund.

If BALTA has fully covered the cost of the medical service, the payment document need not be submitted to the SRS.

Receive a statement for submission to the SRS, quickly, easily, and free of charge at balta.lv or via the BALTA app.