Health insurance prices in Tbilisi
Individual plans start at 39 GEL a month with GPI Holding’s Medi Standard, followed by Medi Classic at 58 GEL and Medi Premium at 70 GEL. Unison charges 49, 65, 85 and 120 GEL a month for its Classic, Advance, Premium and Unique plans, and Imedi L’s Uno Active costs 50 GEL a month. Ardi’s Vitamins plan starts at 49 GEL on Vitamin A with a family doctor and at 139 GEL on Vitamin E with free choice of clinic. IRAO prices Pulse Standard by age, at 65 GEL a month up to 21 and 80 GEL from 21 to 40, and Global Benefits Georgia’s four packages have starting prices from 72 GEL to 145 GEL a month.
Students and short stays are priced separately. GPI Holding’s Flex Policy starts at 22 GEL, Global Benefits Georgia’s Student Benefactor costs 50 GEL a month, and New Vision Insurance charges 15 USD a month for a non-resident policy of 6 to 12 months. For a team of 5 to 10 people, Wizer’s company packages cost 70, 90 or 120 GEL. TBC Insurance and Euroins Georgia list no prices on their health pages, so ask each for a quote with the number and ages of the people you want to insure.
What to check before buying health insurance
- Waiting periods. Planned surgery waits 12 months at GPI Holding and planned inpatient care 12 months at IRAO. Unison’s individual plans set 12 months for planned hospitalisation and 24 months for cardiac surgery. Imedi L’s Uno Active has no waiting period for outpatient services.
- Family doctor or free choice. At Ardi a family doctor scheme costs 10 GEL less than free choice on Vitamin A and 20 GEL less on Vitamin E. IRAO’s referral-scheme Pulse packages give planned outpatient care only on a family doctor’s referral, and each free choice version costs 10 GEL a month more in the youngest age band.
- What the plan pays. Ardi pays 40% of outpatient care and medicines on Vitamin A and 80% on Vitamin E, with hospitalisation at 100% on every tier.
- Limits. Ardi’s aggregate limits run from 20,000 GEL to 50,000 GEL. New Vision Insurance’s emergency hospital limit is 20,000 GEL on a 12-month policy and 6,667 GEL on a 3- or 6-month policy.
- Age. Uno at Imedi L covers ages 0 to 65, Ardi insures adults from 18, and Wizer’s company plan covers staff and spouses up to 70.
Types of health insurer in Tbilisi
Imedi L, GPI Holding, Ardi, IRAO, Global Benefits Georgia and Unison sell individual plans at published prices, and Wizer adds a plan for freelancers with a loss-of-income benefit. TBC Insurance sells health cover to companies through a network of more than 350 clinics, plus a student policy for foreign nationals. New Vision Insurance sells a fixed-limit policy for non-residents staying 3 to 12 months. Global Benefits Georgia’s Global Protector plan gives companies international cover with a limit of up to EUR 3,000,000, and Euroins Georgia’s health cover extends to IVF, vision correction and congenital diseases.
