Health Insurance for Businesses: Most popular health insurance add-ons for companies
- Katelyn McKeone
- Feb 10
- 3 min read
Health insurance for businesses is becoming an increasingly important employee benefit. It provides financial security for employees while helping companies reduce absenteeism and maintain stable day-to-day operations.
One of the key advantages is the ability to create a tailored policy by combining core coverage with add-ons that reflect the company’s actual needs. Below, we outline the most commonly chosen health insurance add-ons to support informed decision-making. To compare prices and coverage options, you can also use the Perks Health Insurance Calculator for Businesses.
Dentistry services
This is the most popular add-on in health insurance for businesses. Employees highly value dental coverage that is not restricted to a specific price list or network, allowing them to visit any dental clinic without worrying whether it has a contract with a particular insurer.
This add-on usually includes preventive dental hygiene. For employers, the result is higher employee satisfaction and fewer work disruptions caused by untreated dental issues.
Typically included:
Preventive dental hygiene and check-ups;
Treatment for acute tooth pain;
Basic therapeutic and surgical procedures;
X-rays and consultations.
Common limitations:
Cosmetic dentistry;
Orthodontics, implantology, prosthetics.
Rehabilitation services
Suitable for both office-based employees and those in physically demanding roles. Rehabilitation speeds up recovery and helps maintain long-term physical health.
This add-on is most effective when structured with a total financial limit rather than limits per visit or course. Employees can then use the coverage flexibly—either in one course or spread over multiple visits—without administrative complexity.
Typically included:
Physiotherapy and therapeutic exercise;
Massage and water procedures;
Individual and group rehabilitation programmes.
Important to know:
A doctor’s referral is usually required.
Prescription medication reimbursement
This add-on covers part of the cost of prescription medicines purchased at pharmacies, helping employees follow prescribed treatment plans fully.
Typically included:
Reimbursement (often 50%) for prescription medications;
Medicines registered in Latvia and purchased in local pharmacies.
Common limitations:
Hygiene products;
Medical cosmetics;
Vitamins and dietary supplements.
Preventive vaccinations
A practical way to reduce illness within the workforce, especially during flu season or in specific industries.
Typically included:
Vaccination against influenza, tick-borne encephalitis, and hepatitis;
Pneumococcal vaccines.
Common limitations:
Vaccines such as HPV, rotavirus, or chickenpox are usually not covered.
Inpatient treatment
Coverage that protects employees from high, unplanned medical expenses related to surgery. Not all procedures are state-funded, and costs can easily reach several thousand euros.
Without financial security, employees often postpone necessary operations or seek external financing. This prolongs recovery and increases stress within the team.
Typically included:
Inpatient treatment and surgeries with a referral;
Surgery, diagnostics, and day hospital services.
Important to know:
Non-emergency hospitalisation usually requires prior approval from the insurer;
Some insurers offer a guarantee letter, allowing medical providers to bill the insurer directly, without employees using personal funds.
Why is this important for businesses?
Reduces unexpected costs for both employees and employers;
Creates team stability with fewer sick leaves and less stress;
Increases employee loyalty by demonstrating genuine employer care;
Enables predictable budgeting by turning sudden expenses into managed costs.
Conclusion: Health insurance add-ons for businesses
Health insurance policies with well-chosen add-ons become a strategic business tool rather than a box-ticked benefit. Each coverage decision affects employee health, availability for work, and the company’s long-term financial resilience.
If you want to understand which coverage options best suit your business needs, contact us for a consultation. Our consultations are free for businesses with over 10 employees.
+371 26 668 558
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