Health & Travel Insurance Plans for Students & Foreigners
Duration
400 days
1 year
Processing time
within 24 hours (Mon-Fri)
within 10 days after payment
Includes University and PMLP requirements for Residence Permits & Visas (Emergency medical care)
✅ Designed for residence permits
Excludes emergency medical care. Fits as extra coverage
Emergency medical expenses in case of illness or accident. Reimbursed only if emergency medical assistance is received in connection with a life-threatening situation for the insured
Sum insured EUR 43 000 (Deductible 50.00 EUR), limit per occasion EUR 750
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Medical transport
EUR 3 000,
limit per occasion EUR 750
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Repatriation
EUR 5 000
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Doctor's consultation (family doctor, therapist, internist and pediatrician, medical specialists including high-qualification specialists)
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EUR 30.00 per consultation
Remote doctor consultations (video or chat format) in the SEESAM Health Latvia mobile application. Remote visits from family doctors, dermatologists, gynecologists, urologists, rehabilitation specialists, gastroenterologists, otolaryngologists, etc. are available.
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EUR 30.00 per consultation
Procedures (injections, infusions, blockades) with a referral from the attending physician, 10 times during the insurance period with a limit of EUR 10.00 per time.
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✅
Manipulations performed by specialists with a referral from the attending physician.
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EUR 30.00 per manipulation
Laboratory tests prescribed by the treating physician (specified in the program description):
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✅
Diagnostic examinations prescribed by the attending physician with a limit of EUR 30.00 per examination. X-ray with or without contrast material up to EUR 30.00 per examination, EKG, Dermatoscopy up to EUR 30.00 per examination, Osteodensitometry EUR 30.00 per examination.
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✅
Computed tomography examinations with and without contrast material, magnetic resonance examinations with and without contrast material, endoscopy, 3- and 4-dimensional examinations, etc. high-tech instrumental diagnostic examinations with a referral from the attending physician.
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EUR 150.00 during the insurance period
Physical medicine procedures prescribed by the attending physician (Electrophoresis, ultrasound, magnetotherapy, laser therapy, light therapy, taping, salt room, etc.), which are performed with medical devices, 10 times during the insurance period, EUR 10.00 per procedure.
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✅
Medical certificates for driving license commission
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✅
Get insurance within 24 hours on working days.
One yearly payment. Equal to €24.92 per month
Perks offers Travel Medical Insurance (sometimes simply called Health Insurance or Residence Permit Insurance) for only 25 euros for 400 days. This is significantly cheaper than the leading international insurance companies and possibly the lowest price on the market.
WHAT IS IT FOR?
Travel insurance for a residence permit
For obtaining a residence permit in the territory of the Schengen member states.
Travel medical insurance covers emergency medical expenses in the Republic of Latvia. It is also active in the territory of other member states of the Schengen Agreement on Emergency Medical Assistance.
These medical expenses include:
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an acute, life-threatening deterioration of health due to a sudden illness
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a sudden exacerbation of a chronic disease,
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or as a result of an accident;
are reimbursed if such expenses are not covered by a European health insurance card or in accordance with other regulatory enactments.
WHAT IS IT FOR?
Personal health insurance for students
To reduce personal health expenses while staying in Latvia.
The insurance coverage provides for co-financing various medical services for treating illness or injuries of students and foreigners throughout Latvia (including Riga). The complete list of services, exceptions, and pricing can be found in the program description.
Benefits
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Access Latvian medical care and get necessary treatments in cases of illness and accidents.
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Doctor’s consultations, medical specialists including high-qualification specialists.
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Common laboratory tests and diagnostic examinations are included.
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Common doctors’ procedures and manipulations are included.
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Easy-to-use mobile application to manage claims.
How to set up your insurance?
Travel insurance for a residence permit
Submit your policy at The Office of Citizenship and Migration Affairs
01
If acute, life-threatening deterioration of health occurs, contact the insurance company to submit the documents needed for reimbursement of related expenses.
02
Personal health insurance for use in Latvia
01
Open your preferred application store -
02
Find and download Seesam Health Latvia app
03
Login with your policy number and Latvian ID
04
Whenever you book an appointment with a doctor inform them that you have personal health insurance and show your insurance card with the app.
05
Get a discount within policy terms if you receive medical care in institutions that have an agreement with the insurance company (list of institutions, click here). Or submit a claim with the app and get reimbursed.
With the app you can –
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Access your insurance card
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Submit new claims
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Follow the reimbursement process
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Access the description and terms of policy
When seeking medical help with your insurance, here are some important steps to remember:
Before receiving medical help with your health or travel insurance, here are some important steps to remember:
Review your health insurance policy with the coverage details, including what services are covered.
When making an appointment with a doctor let them know that you have health insurance.
Take your identification document (ID card or passport) when visiting a doctor. It helps verify your identity and assures the registration process. Personal codes are often needed as well. You can find your personal code on your ID card.
If you choose a doctor who is not on the list, you’ll need to pay the bill upfront and then file a claim on the Seesam mobile application.
With the Seesam Health Insurance app, you can easily attach pictures of invoices and other documents to claim.
Important to know!
The insurance policy does not cover all medical costs. For full disclosure read coverage with insured risks and the exclusions.
Health insurance coverage can vary significantly. Before considering an insurance plan (program) review the terms and conditions.
This Travel Medical Insurance policy is for any student or traveler under the age of 50.
Personal Health Insurance cannot be canceled or terminated.
Talk to us, we are here to help:
or call us
+371 2 799 33 44
Frequently Asked Questions
1.
Can I pay in cash?
No, payment must be provided digitally after completing the application for the desired program.
2.
Can I purchase Travel Medical Insurance for less or more than 400 days?
We only offer Travel Medical insurance for 400 days. However, our price is lower than other 365-day policies.
3.
How do I know if my health insurance pays for the services I need?
Information about all services covered by health insurance is in the description of the health insurance program, which can be viewed in the SEESAM app. You can also check with the medical facility when booking an appointment if your insurance covers the service.
4.
How to receive compensation if you have paid for the medical service yourself?
For services where you have paid with your own funds, you need to submit receipt and doctor's referral on our mobile application.
5.
What documents must be submitted to receive compensation?
Documents provided by the medical facility, check or strict accounting receipt, where the received service is described.
6.
Can I cancel a health insurance policy?
The purchased health insurance policy cannot be canceled or terminated.
7.
Can I acquire a personal health insurance policy before receiving residence permit?
No. To get insurance, a Latvian ID is needed.
8.
What should I know when going to a medical facility?
Before receiving the service, the health insurance card via app must be presented at the reception of the medical facility or to the medical staff together with an identity document.
9.
How to apply for insurance compensation?
You can apply for insurance reimbursement with SEESAM health insurance application. Download the application - App Store, Google Play, or App Gallery.
What to do to get necessary treatment?
Health insurance for a residence permit
Go to hospital or dial 112
Ask for original invoice from hospital
Submit original invoice to Insurance company Compensa homepage: www.compensa.lv
What to do to get necessary treatment?
Personal Health Insurance
Contact Medical facility - Clinic
Ask if they accept Seesam Insurance
Yes
Show your Health insurance card in app
No
Pay by yourself
Submit a claim with mobile application
Contact Us
SIA Perks
Reg. no.: 40203343134
60 Darzciema St. Riga, LV-1073