Detailed overview of our Health coverage
Salu’s Essential and Premium health coverage includes treating illnesses and preserving your health. These plans cover primary healthcare services, specialist medical care, medical analyses, diagnostics and procedures, hospital care and operations, regular health check-ups and preventive exams, dental care, rehabilitation services, and vaccinations, and more.
Our health coverage is designed to be either your primary health coverage or a supplement to our existing public or private health insurance. Please note that Salu is a private clinic offering subscription-base healthcare services. We do not provide, intermediate nor distribute insurance services.
Primary healthcare
Whenever you have a health concern or question, your medical journey starts with a consultation with a general doctor or nurse.
Start an online consultation through the Salu web app. On average, our medical team responds within 30 minutes, 7 days a week. During the consultation, our medical team determines the medical care you need.
If medically needed, we will deliver the in-person doctor’s appointments, medical analyses, and procedures you may need for your treatment.
We will pay for the cost of both online & in-person treatment covered by your health plan.
Specialist medical care
Specialist medical care covers appointments with specialists, such as ear-nose-throat doctors, dermatologists, gynecologists, cardiologists, and others.
As specialist care is provided by leading private clinics in Estonia (such as Confido, Synlab, Valvekliinik, and more), there are no long waiting times. We find a specialist and book an appointment for you.
You can receive specialist care if our medical team deems it medically necessary for your treatment.
Medical analyses, diagnostics & procedures
Primary healthcare & specialist medical care covers medical analyses, diagnostics and procedures required by the general or specialist doctor.
You can receive these analyses, diagnostics and procedures if our medical team deems it medically necessary for your treatment.
Emergency care
You can get emergency care for acute health issues. This is covered by the specialist medical care coverage limit.
Ambulance services, available at 112, are available and free for everyone in Estonia.
Mental health services
Mental health services covers online and in-person appointments with mental health specialists, such as psychologists, psychiatrists and other mental health specialists.
You can receive mental health care if our medical team deems it medically necessary for your treatment.
Hospital care & operations
If our medical team sees an acute medical need for a hospital care or operations, we will deliver you these hospital care services & operations covered by your health plan. You need a referral from our medical team to use these services.
Regular health check-ups & preventive exams
These regular health check-ups & preventive exams are designed to prevent health problems and keep you healthy. You can use these services regardless are you sick or not.
You can choose the check-up or exam most relevant for you. We will cover the cost of these services to the extent covered by your health plan.
You do not need a referral from our medical team to use these services.
Dental care
Dental care can be in two categories – to cure an acute issue or prevent an issue. This section of Dental care concerns health issues (e.g. curing a tooth ache). The preventive dental care is covered by “Regular health check-ups & preventive exams”.
If our medical team sees a medical need for a dental care services, we will deliver you these dental care services covered by your health plan.
Our health plans do not cover products, such as braces, clear-aligner treatment, tooth pastes & gels and other products.
Rehabilitation services
You can receive rehabilitation services if our medical team deems it medically necessary for your treatment.
Vaccinations
Your health plan covers the common vaccinations available in Estonia. You can use these services regardless are you sick or not.
Critical illnesses
Critical illnesses are highly complex and serious health issues which require sophisticated treatment. The list of health issues or worries qualifying as critical illnesses is available here.
Treatment or curing of critical illnesses are covered by our Premium health plan. You need a referral from our medical team to use these services.
Healthcare services available for an additional fee
The services listed in “Paid services” are not included in our health plans and are available for addition fee.
To order these services, all you need to do is start a conversation with a Salu healthcare professional. During the consultation, we can also confirm the exact price of the service.
To learn about the paid services, please refer to the “Paid Services” table.
Important information
- If you wish to use any of the services listed above (except for online consultation), please start an online medical consultation. Our medical team guides you if and how you can access these services.
- You can use these services through us and our partner clinics. We will book a time and pay for the visit and services you may need.
- In order to use the services at Salu’s cost, you need a referral by our medical team. If you use our partner clinic’s services without our referral, then you will carry the cost for such services.
- You can use the following services without our medical team’s referral: primary healthcare, regular health check-ups and preventive exams, vaccinations.
- You can use these services in the maximum coverage amount (coverage limit) covered by your health plan.
- You can access and use a service covered by your health plan in case you have a medical need for such service. Our medical team determines if and to what extent each service is necessary. This does not apply for regular health check-ups & preventive exams, and vaccination.
- If you have questions about what is or is not included in your health plan, you can always start a conversation with our medical staff or contact our support (support@salu.md).