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 return to work more quickly and improves their overall well-being, reducing sick leave duration. To cover injuries as well, we also recommend accident insurance for employees.
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 services, diagnostics, dental care, rehabilitation, and preventive examinations. Coverage is tailored to the company's needs and employee groups while keeping administration simple.
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 in the request form with your company registration number, the number of employees and the coverage you need. We will reply within 24 hours.
We request offers from several insurers and compare the programmes by coverage and limits.
You choose a programme and receive the insurance contract and the invoice.
Employees receive policies or health insurance cards and can use the services from the policy start date.
Employee health insurance contracts are most often concluded for one year, so once a year you have to choose: renew the current policy or switch insurers. It is best to start planning the renewal 1-2 months before the policy ends: the insurer usually sets the new terms based on the previous year's claims, and without a comparison it is hard to judge whether they are competitive.
At renewal, we request offers from both your current insurer and other insurers and compare the programmes by coverage, limits, exclusions and waiting periods. We also check whether the premium per employee stays within the tax exemption limits (750 EUR per year and 10% of gross annual salary). If you choose a different insurer, we arrange the new policy to start the day after the current one ends, so there is no gap in cover.
For the comparison, it helps to have:
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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