Meliva Health Cover
Meliva Health Cover enables employees to access healthcare quickly, often without a referral, and use a wide range of healthcare services. It supports employee wellbeing, helps maintain work ability, reduces sickness absence and contributes to higher employee satisfaction and engagement.
Unique benefits of Meliva Health Cover
- Meliva Digital Clinic for everyday healthcare needs: The Digital Clinic is available 7 days a week with a response time of up to 10 minutes. Consultations and medical advice are provided without excess payments.
- Convenient direct billing: Direct billing is available at all Meliva clinics, including dental clinics. Employees only pay the agreed excess amount at the point of service.
- Fast support: Our insurance support line assists both employees and employers by phone and email.
- Flexible cost sharing: Insurance costs can be divided according to the organisation’s budget and preferences. Employers may choose to cover the full cost or share it with employees.
- Easy employee administration: Policies are managed through the business customer self-service portal, with monthly invoicing. Employees can be added to or removed from the insurance plan once per month.
When is the service needed?
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Efficiency
Reduces sickness absence and time away from work. Supports employee recovery and work ability. -
Employee satisfaction
Increases employee satisfaction and loyalty. Strengthens the employer value proposition. -
Fast access to care
Employees struggle to access specialist care or mental health support. -
Simplicity
Provides faster access to healthcare services. Makes healthcare easier to use through digital solutions. -
Valuable benefit
Meliva Health Cover is particularly valuable when you want to offer meaningful employee benefits.
What’s included
The content and scope of Meliva Health Cover are tailored to the needs of each organisation. Depending on the selected solution, Health Cover may include services such as specialist care, dental care, the Meliva Digital Clinic and mental health support.
Three different solutions are available and can be tailored to the needs and budget of your organisation.
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Meliva 200 (annual premium per employee: €200)
Provides convenient access to primary healthcare services. Includes the Meliva Digital Clinic (available 7 days a week with no excess payment and fast response times), direct billing at all Meliva clinics including dental care, and insurance support services.
The package also includes employer support, flexible employee administration and simple billing. -
Meliva 400 (annual premium per employee: €400)
Provides broader insurance coverage than Meliva 200, including significantly higher reimbursement limits for dental care and mental health services, with options for 0% excess payments.
The package also includes additional support for parents through the Digital Clinic, including child health advice, sick leave certificates for caring for a child and healthcare guidance. -
Meliva Special (annual premium per employee: €525)
Our most comprehensive solution. In addition to all benefits included in Meliva 400, it provides organisation-wide wellbeing support.
The package includes: a leadership support line for crisis situations, team resilience programmes, mental wellbeing environment assessments, nutrition webinars, regular health data and service quality analytics reports.
How it works
Submit an enquiry
Contact us through the website form, email us at ariklient@meliva.ee or get in touch with your account manager.
Needs assessment
We discuss your organisation’s needs, priorities and expectations.
Solution design
Together, we review different options, agree on contract terms and create the most suitable solution for your organisation.
Implementation
We set up the service and create the list of employees who will be covered.
Ongoing partnership
We provide insights into service usage and can adjust the solution as your organization’s needs evolve.
Frequently Asked Questions
What does Meliva Health Cover include?
Meliva Health Cover includes access to healthcare services such as specialist consultations, mental health support, dental care and the Meliva Digital Clinic. The exact scope of coverage depends on the selected solution.
Can employees access healthcare services free of charge?
Health Cover reimburses healthcare costs according to the selected solution. Depending on the service and coverage level, an excess payment of 0–30% may apply.
Can employees see a specialist without a referral?
In many cases, employees can access healthcare services without a referral. Availability depends on the specific service and the terms of the selected solution.
How can employees use the services?
Employees can access services through the Meliva Digital Clinic, all Meliva clinics and other healthcare providers across Estonia.
Is dental care included?
Yes. Dental care is included in Health Cover solutions, although reimbursement levels vary depending on the selected package.
Are mental health services included?
Yes. Health Cover includes access to mental health services. The scope of coverage and reimbursement levels depend on the selected solution.
Can family members also use Health Cover?
Health Cover is designed for employees. If additional coverage options are available, these will be agreed separately with the employer.
