Signe SoonbergInsurance broker, co-owner
Jean Pierre BredorfInsurance broker, co-owner
“Where there is a will, there is a way.”
When compulsory liability insurance for healthcare providers came into force in the autumn of 2024, there was only one provider on the Estonian market. A healthcare provider had one price and one option – to accept it. Other insurers and intermediaries stayed on the sidelines. We were not willing to settle for that.
Over the following year we explained Estonian law and the Estonian healthcare market to dozens of insurers, sourced and analysed the available claims data, and negotiated to convince them that the Estonian market is not too small.
We found the solution on the international insurance market, where insurers have been writing medical liability cover for decades. We brought the claims-made contract to Estonia – the most widely used type of medical liability contract in international practice. If it works elsewhere in the world, why should it not work in Estonia?
From November 2025, an Estonian healthcare provider could choose between two quotes and two contract types for the first time.
Where there is a will, there is a way. MedMal Eesti is the result of that principle. We continue to look for further solutions.
An international insurer entered in the Financial Supervision Authority's list of cross-border non-life insurance service providers.
The insurer's authorised claims handler, operating in more than 70 countries and drawing on a panel of medical experts for claims handling.
Receipt of claims and communication in Estonian throughout the claims handling process.
The Estonian insurance broker that prepares the quote, issues the insurance contract and represents your insurance interest to the insurer.
We explain how claims-made and occurrence-based contracts differ in practice, and advise which solution suits you better.
Once we receive your insurance application, we send you a quote within 1–5 working days. If further questions arise, it may take longer.
We go through the retroactive date, the extended reporting period, the rights of entitled persons and anything else you need to know before the contract is concluded.
We help you to compare. The decision is yours. Enquiries are free and non-binding.
