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For patients

Patient insurance – your protection in case of medical error

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Most healthcare goes well. But if something goes wrong, you don’t have to face it alone — patient insurance is there for you.
When it helps

When care doesn’t go as planned

Patient insurance helps when a healthcare provider has made a mistake during diagnosis, treatment or another activity and this has caused you harm to your health that could have been avoided with ordinary care.

You don’t have to argue with the healthcare provider or go to court yourself. It is enough to report the incident — the insurer then assesses the situation.

Four simple steps

What to do if something has happened to you

1

Report the harm

Fill in the simple claim form. Do this within 4 weeks of learning about the error.

2

The insurer reviews it

The insurer decides within up to 180 days whether it is an insured event.

3

Submit a compensation claim

If it is an insured event, you can submit a claim for compensation. You will be told which documents are needed.

4

The harm is compensated

The insurer determines and pays out the compensation within a reasonable time.

If you disagree with the decision, you have the right to turn to the Health Board’s conciliation committee.

Submit a claim
How much protection

Compensation limits

The maximum amounts set by law up to which harm is compensated.

100 000 €
per entitled person
300 000 €
per insured event
3 000 000 €
total per year
30 000 €
for non-pecuniary damage per entitled person
100 000 €
for non-pecuniary damage per insured event
Frequently asked questions

Find answers to your questions

What is patient insurance?
It is the healthcare provider’s compulsory liability insurance. If you — the patient — suffer harm during healthcare for which the provider is liable by law, this insurance helps compensate the harm.
Do I have to pay for it myself?
No. The premium is paid by the healthcare provider. For you as a patient, the protection is free.
Who is the beneficiary of patient insurance?
The beneficiary, or entitled person, is you — the patient, your dependant(s), heir(s) or other persons entitled to compensation under the law and the insurance terms.
What kinds of harm are compensated?
For example: treatment costs, costs of medicines and aids, loss caused by incapacity for work, care costs, funeral costs and, to the extent provided by law, non-pecuniary (moral) damage.
How long do I have to submit a claim?
A claim must be submitted within 3 years of learning about the breach and the harm — but no later than 10 years after the incident occurred.
Where does the cover apply?
The insurance applies only to healthcare services provided in Estonia, and only to those services for which a valid activity licence has been issued.
What does the insurance not cover?
For example: harm below €200; harm arising outside Estonia; harm arising from product liability or clinical trials; consequences caused intentionally or while intoxicated.
What is the deductible?
The deductible is an amount agreed in the insurance contract up to which the healthcare provider itself covers the harm. It does not affect your right to compensation.
How do I submit a claim?
The easiest way is to fill in the claim form right here on this website. Do this within 4 weeks of learning about the breach in the healthcare service.

Do you have more questions?

We’re happy to help. Get in touch:

Call: +372 5605 4189

Write: info@medmal.ee