Insurance claims - How to proceed in the event of a claim?

1. Start with telemedicine:

We highly recommend starting your care journey with telemedicine. Statistics show that 80% of initial contacts can be successfully resolved through a remote consultation, saving you travel time and allowing you to speak with a doctor at your convenience.

You can access telemedicine through:

• Digital Clinic
• MinuDoc
• Any other telemedicine provider of your choice

2. Using a partner medical service provider:

If you require an in-person visit or your telemedicine provider recommends specialized care, please keep the following in mind when visiting a doctor:

• Mention ERGO: Always inform the provider that your health insurance is through ERGO.
• Direct Billing: If the provider is an ERGO partner, you do not need to pay for treatment upfront. You are only responsible for the portion that exceeds your coverage rate.
• Identification: You must bring a valid identity document.

You can find a full list of partnering doctors HERE.

3. Using a non-partner healthcare provider:

If you cannot find a suitable provider within our partner network, you are free to visit any doctor of your choice. In this scenario, follow these steps:

• Pay the treatment bill yourself at the time of the visit.
• Fill out a damage claim to recover your costs HERE.
• ERGO will reimburse the costs according to your specific policy terms and coverage rates.

4. Important Contacts:

Accident Advice: If you have suffered an accident and need guidance, please contact ravi@ergo.ee or visit the ERGO website.

Platform Questions: For questions regarding the insurance product or the Stebby platform, please reach out to us at info@stebby.eu.