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Tick-borne disease insurance

Tick-borne disease insurance will provide one-off financial support of EUR 400 to employees if a tick-borne disease is diagnosed as a result of a bite from an infected tick during the validity period of the insurance contract.

  • A particularly attractive price of up to EUR 5 per person per year, depending on the number of employees in the company.

  • One-off indemnity of EUR 400 in the case of sickness.

  • No hidden conditions – the insurance is valid even if the person has not been vaccinated.

Security for employees – tax relief for the company!

Companies that purchase tick-borne disease insurance for their employees may receive tax benefits in accordance with Latvian laws and regulations. For further information, please contact the State Revenue Service.

Please keep in mind!
Tick-borne encephalitis can only be protected against by timely vaccination, while there is no vaccine for Lyme disease.

  • Insured tick-borne diseases:

    • tick-borne encephalitis;
    • myelitis;
    • encephalomyelitis;
    • Lyme disease.

  • Guaranteed one-off indemnity in the case of illness:

    EUR 400

  • Waiting period from the start date of the insurance contract:

    20 days

Did you know?

(Data from the Centre for Disease Prevention and Control)

  • Latvia is home to several thousand species of ticks – three of which are dangerous to humans and transmit various disease agents.

  • The highest tick activity in Latvia is observed in the Kurzeme, Riga and Pierīga regions, but note that ticks are active not only in Latvia but all over the world.

  • The highest tick activity in Latvia is observed in the Kurzeme, Riga and Pierīga regions, but note that ticks are active not only in Latvia but all over the world.

Tick-borne disease insurance claims statistics

Each year we receive more than 200 claims for tick-borne diseases. Over the last three years:

  • more than 650 claims processed

  • more than EUR 260 000 paid out in indemnity

Submitting a claim

To claim an indemnity for Lyme disease, you should submit a medical certificate from the attending physician and laboratory results confirming the diagnosis: a positive serum Borrelia burgdorferi-specific IgM antibody test result followed by a rising IgM antibody titre immediately after diagnosis and a repeat test after 10–14 days or a positive Borrelia burgdorferi IgM antibody confirmatory test result (Immunoblot). To be indemnified in the case of tick-borne encephalitis, myelitis and encephalomyelitis, you should submit results of serological tests confirming the diagnosis and excerpt from inpatient hospital.

  • SUBMIT A CLAIM

    Submit your claims quickly and easily 24/7 via the app, on the balta.lv, or by calling 67533375.

  • CHECK STATUS OR WAIT FOR CONTACT

    Follow the progress of your submitted claim by logging in to balta.lv or the "My BALTA" section of the app. If any questions arise, an employee from BALTA will contact you.

  • RECEIVE A DECISION

    After reviewing your claim, we will inform you about the decision and the compensation.

Useful information

Tick-borne disease insurance terms and conditions

Ērču izraisītu slimību apdrošināšanas noteikumi 4305.201.1
Ērču izraisītu slimību apdrošināšana - apdrošināšanas produkta informācijas dokuments (APID)

General terms and conditions of the insurance contract

Apdrošināšanas līguma vispārējie noteikumi Nr. 07
Apdrošināšanas līguma vispārējie noteikumi Nr. 06