Health coverage details

Detailed overview of our Health coverage

Salu’s Essential and Premium health coverage plans cover treating illnesses and maintaining your health. These plans cover primary care, specialists, medical analyses and procedures, hospital care & operations, dental care, preventive health check-ups & exams, vaccinations and more.

Our health coverage plan is designed to be either your primary health coverage or a supplement to our existing public or private health insurance.

Primary & Specialty care

Whenever you have a health concern or question, start an online consultation on Salu platform. Our medical team responds within 30 minutes on average, 7 days a week.

If during the online consultation our medical team sees you need a physical appointment, medical analyses or procedure, we will deliver you the necessary treatment you need through our partner clinics.

We will pay for the cost of online & in-person treatment covered by your health plan.

Primary & specialty care
Included?
Online medical consultation, 7 days a week
yes
Appointment with a general doctor
yes
Specialist appointment (example: dermatologist, ear-nose-throat doctor, gynecologist, etc.)
yes
Open & manage your sick leave (online & in-person)
yes
Prescriptions (online & in-person)
yes
Pre-travel medical consultation
yes
Medical procedures (see below)
yes
Medical analyses (e.g., blood tests, urine tests, etc.) as required by our medical team
yes

Medical procedures

If our medical team sees a medical need for a physical procedure, we will deliver you the medical procedures covered by your health plan. You need a referral from our medical team to use the medical procedures at our cost.

Medical procedures
Included?
Imaging scans (X-rays, MRIs, Computer Tomography Scans, Ultrasounds)
yes
A heart electrocardiogram (ECG/EKG) examination
yes
Echocardiography
yes
Bandaging or dressing a wound or injury
yes
Removal of stitches
yes
Ear irrigation
yes
Other medical procedures covered by your health plan, as determined by our medical team
yes

Hospital care & operations

If our medical team sees a 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.

Hospital care & Operations
Included?
Day fee at a hospital
yes
Operations
yes
Childbirth (delivery)
yes
Other hospital care & operations related services covered by your health plan, as determined by our medical team
yes

Rehabilitation services

If our medical team sees a medical need for a rehabilitation services, we will deliver you these rehab services covered by your health plan. You need a referral from our medical team to use these services.

Rehabilitation services
Included?
Physiotheraphy
yes
Treatment massage
yes
Occupational therapist
yes
Ciropractic treatment
yes
Other rehabilitation services covered by your health plan, as determined by our medical team
yes

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. You need a referral from our medical team to use these services.

Dental care
Included?
Dentist consultation
yes
Dental treatment
yes
Emergency dental treatment
yes
Other dental care services covered by your health plan, as determined by our medical team
yes

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 (see preventive care coverage limit of your health plan).

You need a referral from our medical team to use these services.

Regular health check-ups & preventive exams
Included?
Full body examination with doctor’s personal consultation and treatment plan with follow-up tests
yes
Mental health audit with psychologists’ sessions
yes
Sexual health screening
yes
Lactose intolerance test
yes
Gluten intolerence test
yes
Food sensitivity test (testing sensitivity for 176 food products)
yes
Dermatologist regular checkup (skin screening)
yes
Gynecologist regular checkup (women’s health screening)
yes
Dentist regular checkup (oral screening)
yes
Professional teeth cleaning
yes
Optometrist regular checkup
yes
Mammography screening
yes
Barotheraphy
yes
Cryotheraphy (cold theraphy)
yes
EMS training session
yes
Massage
yes

Vaccinations

Your health plan covers the common vaccinations available in Estonia. You can use these services regardless are you sick or not.

You can choose the vaccinations most relevant for you. We will cover the cost of these services to the extent covered by your health plan (see vaccination coverage limit of your health plan).

You need a referral from our medical team to use these services.

Vaccinations
Included?
Vaccination related consultation
yes
Vaccination (single vaccine)
yes
Other vaccination related services covered by your health plan, as determined by our medical team
yes

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.

Paid Services
Included?
Driver’s license examination and certificate issuance (categories A, B, C)
no
Food handler’s certificate
no
Certificates for beauty and personal service employees
no
Sexually transmitted disease (STD) tests
no
HIV 1,2 blood tests
no
Other services excluded in our Terms of Service
no

Important information

  1. 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.
  2. 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.
  3. 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.
  4. You can use these services in the maximum coverage amount (coverage limit) covered by your health plan.
  5. 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.
  6. 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).

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