haigekassa

Haigekassa, officially Eesti Haigekassa, is Estonia's health insurance fund. It is an independent public legal entity responsible for administering the country’s compulsory health insurance system. The fund collects health insurance contributions and pays for medically necessary services on behalf of insured residents, as well as administering the reimbursement framework for care provided by both public and private health care providers.

The fund covers a broad range of medical services. This includes outpatient and inpatient care, hospital treatment, and medicines listed on the reimbursement schedule. Dental care is included for certain groups or under specific conditions, and preventive services are provided as defined by law. Haigekassa coordinates with health care providers to ensure access to care and compliance with national standards, and it handles payments to hospitals, clinics, pharmacies, and other providers.

Funding for Haigekassa comes from mandatory health insurance contributions, which are collected from residents and employers, with additional support from the state budget where applicable. The fund uses these resources to finance services according to established tariffs and reimbursement rules. It also operates patient-facing services such as health insurance cards and the national online health information systems.

In addition to financing, Haigekassa administers Estonia’s digital health infrastructure. This includes the e-health system, electronic prescriptions, and the online portal that allows insured individuals to view coverage, manage benefits, and access health information. The fund works with the Ministry of Social Affairs, health care providers, and other stakeholders to implement health reform and maintain affordability and accessibility of services.