Health insurance for companies helps take care of employee well-being,
providing access to medical services and reducing unexpected expenses.
It improves employee satisfaction, loyalty and productivity,
while reducing the company's overall costs.
Health insurance provides faster access to specialists, diagnostics, and treatment. It helps employees (additionally we offer accident insurance) return to work more quickly and improves their overall well-being, reducing sick leave duration.
The employer can choose various programmes: from basic coverage to extended plans that include dental care, rehabilitation, and preventive examinations. Coverage is customisable according to employee categories or job groups.
Our health insurance policies can include:
A unified health insurance management process is created for all employees: one contract, one payment schedule, and clear rules. This significantly simplifies day-to-day administration for HR and finance teams.
At the same time, the company can choose the most suitable health insurance coverage: basic or extended solutions that may include outpatient
Health insurance is one of the most highly valued employee benefits. It helps attract talent, improve employee loyalty, and build a positive company image in the long term.
Prolonged computer work caused acute back pain, requiring the employee to undergo physiotherapy and massage sessions. Without insurance, costs would reach around €250 - 400 for 6 - 8 visits. The policy covered the full amount, enabling a faster return to work without downtime.
Company employees undergo regular check-ups - blood tests, cardiograms, GP consultations. Without insurance, each person would pay around €80 - 150. The policy fully covered the examinations, improving overall health and work capacity.
An employee developed knee pain from lifting heavy loads. An orthopaedist, ultrasound, and treatment were needed. Potential costs: €140 - 300. With insurance, services were paid in full, preventing the risk of prolonged incapacity for work.
An overly intense work schedule caused palpitations, and the employee needed an ECG, stress test, and cardiologist consultation. Costs without a policy: €150 - 300. Insurance fully covered the examinations.
Health insurance premiums paid by the employer are exempt from both personal income tax (IIN) and mandatory state social insurance contributions (VSAOI) if three conditions are met:
Legal basis: Section 8, Paragraph 5 of the law "On Personal Income Tax" and Cabinet Regulation No. 899.
If the premium exceeds the limit, only the excess is taxed - it is treated as salary. For employees joining the policy during the contract term, the exemption applies proportionally.
In practice: for a team of 10 employees, a company can allocate up to 7,500 EUR per year to employee health without paying payroll taxes on this amount.
Programme content differs by level - from basic coverage to premium programmes. Indicative content (the exact coverage depends on the chosen programme and insurer):
| Service | Basic | Extended | Premium |
|---|---|---|---|
| Family doctor and specialists | ✓ | ✓ | ✓ |
| Diagnostics and tests | ✓ | ✓ | ✓ |
| Paid inpatient treatment | - | ✓ | ✓ |
| Dentistry | - | ✓ | ✓ |
| Rehabilitation and physiotherapy | - | ✓ | ✓ |
| Sports activities | - | - | ✓ |
| Medication | - | ✓ | ✓ |
| Vaccination | - | ✓ | ✓ |
| Critical illness coverage | - | - | ✓ |
Unlike a single insurer's website, Agento collects and compares offers from insurers operating in Latvia - Balta, BTA, If, ERGO, Gjensidige, Compensa. You receive several offers in one place and choose the programme that fits your team's needs and budget. Our services are free of charge for the company. For businesses we also offer property insurance, fleet KASKO, fleet OCTA and liability insurance - all business insurance in one place.
Fill out the application form. It will only take a few minutes
We process your request and send you offers to choose from
You can pay for the selected policy using the convenient payment system
After payment, the policy will be sent to your email. Everything is done remotely
Typically the policy includes doctor visits, diagnostics, tests, rehabilitation, dental care, vaccinations, and other medical services - depending on the chosen coverage.
Yes, it is possible to create multiple coverage levels - for management, office staff, production personnel, etc., considering the company's budget and needs.
Yes, employees receive medical assistance faster, which reduces absenteeism, improves productivity and work quality.
No, it is not mandatory, but it has become one of the most important corporate benefits and competitive advantages in staff recruitment.
The price depends on the number of employees, age, coverage level, and selected services. We prepare a precise offer by comparing several insurers.
The minimum number of employees is 2. Corporate health insurance is suitable for both small teams and larger groups - the solution is adapted to the specific situation.
Yes, our services are free. We receive compensation from the insurers.
No - premiums paid by the employer are exempt from both IIN and VSAOI if the premium does not exceed 750 EUR per employee per year and 10% of the employee\'s gross annual salary, and the policy term is at least one year.
Only the part exceeding the limit is taxed - it is treated as salary. Most employee programmes fit within the limit, and we will help you choose an offer that stays within the exemption threshold.
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