Studies show that workers appreciate an employer who cares about their health and wellbeing. In addition to sufficient vacation time and flexible scheduling, the opportunity for health insurance has also become very important.
Company health insurance is intended for covering the medical expenses of the company’s employees. This health insurance supplements the national health care coverage and adds great value to an employee’s benefits package. This allows an employee to use private treatment services at a lower cost and receive needed treatment more quickly. Health insurance is suitable for companies of different sizes and in different fields. We offer health insurance to companies with at least 5 employees.
When using the services of our cooperation partners Meliva, Pirita Hambaravi or Valvekliinik you will only have to pay the deductible and there is no need to submit a separate loss notice, except for dental services.
Seesam’s health insurance includes different services:
- Digital Clinic service – an environment where general practitioners and family doctors are easily accessible in health issues – in real time, seven days a week, incl. in the evenings and during holidays. The content of the consultation remains available both in the Digital Clinic and in the form of a medical case in the Patient Portal. We settle the consultation fee of 19.90 euros ourselves directly with the clinic, there is no deductible, except for dental services.
The service is provided by Meliva Digital Clinic. The Digital Clinic is open Mon–Fri 8:00–20:00. At weekends and on public holidays 9:00–16:00.
- Outpatient family medicine and specialised medical services - makes it possible to use the services of a paid family physician or medical specialist without a referral. We indemnify appointment fees, the cost of the tests, analyses and other procedures prescribed by the physician’s referral as well as day hospital treatment.
- Prophylactic medical examination and preventive treatment – the service can also be used without a medical indication for turning to a physician. We indemnify the cost of health tests, e.g. stress, allergy and food intolerance tests, nutritionist’s consultation fee, chiropractic and osteopathic services and sleep doctor’s / counsellor’s appointment.
- Occupational medical examination - we indemnify the occupational health costs arising from law.
- Psychiatric and psychological counselling costs - we indemnify the appointment and consultation fees of a psychologist, psychiatrist or psychotherapist and medicines related to the diagnosis.
- Hospital treatment services - makes it possible to expedite access to hospital treatment, using paid service. We indemnify inpatient fee, extra fee for a paid ward, surgeries, treatment and tests in hospital as well as the medicines consumed there.
- Rehabilitation services – we indemnify a rehabilitation physician’s appointment, the rehabilitation prescribed by a physician as well as the assistive devices (wheelchair, crutches, etc.) prescribed by a physician. Rehabilitation services may include physiotherapy (incl. instrumental physiotherapy), therapeutic exercises, hydrotherapy, mud treatment, electrotherapy, occupational therapy, classical and sports massage and chiropractic services.
- Dental treatment services - we indemnify the costs of dental treatment services such as consultation, preparation of a treatment plan, treatment, dental hygienist’s services, X-ray, anaesthesia, cost of orthodontic treatment.
- Cost of glasses and contact lenses - we indemnify the cost of an optometrist’s appointment and the cost of glasses or contact lenses if a prescription has been written out for this purpose.
- Vaccinations - we indemnify vaccination costs (e.g. influenza, tick-borne encephalitis as well as travel vaccines, etc.).
- Prescription medicines - we indemnify the cost of the prescription medicines prescribed by a physician during the insurance period.
- Obstetrical services - we indemnify the cost of inpatient services related to childbirth such as the fee for a paid midwife, fee for a family ward, cost of the surgery related to childbirth.
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Dental treatment following an accident – we indemnify the cost of the repair of the teeth damaged as a result of an accident. An accident is deemed to be an unexpected and sudden bodily injury independent of the intent of the insured person and caused by an external factor. A bodily injury caused by an external factor is e.g. a blow, contusion.
As of 01.01.2018 a special discount tax exemption is in place to promote the health of workers, including a health insurance tax of up to 100 Euros per quarter (400 Euros annually). The tax discount applies on the condition that the employer offers the opportunity to enter into a health insurance contract to all the employees of the company.
