Our health is the basis for all our future dreams and plans. Only a healthy person can be happy in his private life and be efficient at work. BTA does not offer health insurance services to individuals, but you can recommend them to your employer! If your employer has already acquired BTA health insurance policies for the employees, in this section you will find useful information on how you can use your health insurance policy.
BTA offers many possibilities of what medical services and, to what extent, can be included in a health insurance policy. Each employer can choose, based on what the employer expects and can afford – to what extent to include various services; for instance, he can include partially or completely compensated paid medical services, can set a particular limit or amount to what extent certain services included in the policy can be used, etc.
General information about the services that can be included in the BTA health Insurance policy can be found in section “Business”.
If you want to find out what medical services are covered by your health insurance policy, ask your employer or contact the BTA Customer Support Service at (+371) 26 12 12 12.
The validity territory of the health insurance card is the Republic of Latvia.
Remember! The health insurance card does not cover medical treatment or emergency medical aid expenses in foreign countries. If you go abroad and want to protect yourself from unexpected expenses for medical services abroad due to sudden illness or injuries, before you leave the Republic of Latvia we recommend that you acquire BTA travel insurance.
BTA offers a vast array of opportunities of the use of the health insurance policies. To learn at which institutions you can receive the services included in your health insurance card without paying from your own funds or paying partly with your own funds, use the list of contractual institutions form.
To receive the indemnity for the used services for which you have paid from your own funds, you must submit the following documents immediately, as soon as possible, but not later than within 90 (ninety) days after receiving the service:
The original copies of the payment documents leave for yourself, they must be only submitted upon our request.
These documents can be submitted to use in the following ways:
We will pay out the insurance indemnity within five working days after the receipt of all required documents by transferring a respective amount to the current account specified in your claim.
How to not spend the sum insured determined for the health insurance card?
As for each type of insurance, the maximum sum or the sum insured within which the services included in the health insurance programme description, is also determined for the health insurance service. When using only paid medical services, the sum insured can be spent and, in such a case, your further medical expenses will not be compensated.
Remember that you, as every taxpayer, are also entitled to receive the state paid medical services so that you can use the paid services in situations when it is urgently necessary. Therefore, when arranging to see a specialist, ask whether this service can also be received from the state funds! Information about the state paid health care services and in which medical institutions, the state paid medical aid, can be received in the fastest and most convenient way can be received by calling the National Health Service free information line 80001234 or at the National Health Service website.
Preventive examination and a healthy life style are very important
To stay fit and in a good mood, listen to our advice.
Use the possibility to receive the overpaid personal income tax
If your health insurance card provides for partial compensation of certain medical services, make sure you keep the copies of the payment documents. You will be able to submit the annual income declaration to the State Revenue Service for the amount you paid for medical services from your own funds and not covered by your health insurance policy, and receive the overpaid personal income tax back from the state. More information about the submission of the annual income declaration can be found at the State Revenue Service web site.
|Health Insurance Terms and Conditions|
|Terms and Conditions No 3.2. (in latvian)
(the reading valid for the policies issued from 01.12.2015)
|Terms and Conditions No 3.1.
(the reading valid for the policies issued from 10.09.2013)
|Terms and Conditions No 3 (in latvian)
(the reading valid for the policies issued from 16.09.2009)
|General insurance terms and conditions|
|Terms and Conditions No 3
(the wording applies to policies issued starting from 13.12.2011)
|Terms and Conditions No 2
(the wording applies to policies issued starting from 07.06.2011)
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