{"id":37991,"date":"2026-02-26T17:05:45","date_gmt":"2026-02-26T16:05:45","guid":{"rendered":"https:\/\/globalhealth.insurance\/?post_type=destinationcpt&#038;p=37991"},"modified":"2026-03-04T10:58:25","modified_gmt":"2026-03-04T09:58:25","slug":"international-health-insurance-for-expatriates-in-latvia","status":"publish","type":"destinationcpt","link":"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/","title":{"rendered":"International health insurance for expatriates in Latvia"},"content":{"rendered":"\n<p>Expatriates residing in Latvia should consider purchasing international health insurance, as even though national coverage is universal, it remains limited. It can result in significant out-of-pocket expenses, relatively long waiting periods, and does not cover repatriation in case of emergency.<\/p>\n\n\n\n<p>To choose the right cover, start by assessing your needs so that you can opt for a plan that is truly suited to you. In this guide, we outline the essentials of the Latvian healthcare system, the insurance options available, and the best practices for your health insurance in Latvia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding the healthcare system in Latvia<\/h2>\n\n\n\n<p>The healthcare in Latvia is based on a universal system. It guarantees access to healthcare for all residents of the country, including expatriates. It is financed by social security contributions and the state, under the management of the National Health Service (<em>Nacion\u0101lais vesel\u012bbas dienests<\/em>), which is supervised by the Ministry of Health.<br><br>There are three main types of insured persons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Contributing employees: <\/strong>expatriate employees must contribute 34.09% of their gross income, of which 23.59% is paid by the employer. This contribution covers health insurance as well as retirement, disability, unemployment and workplace accidents<\/li>\n\n\n\n<li><strong>Non-contributing workers<\/strong>: employees or self-employed persons who do not wish to pay contributions are entitled to minimum coverage<\/li>\n\n\n\n<li><strong>Non-working persons<\/strong>: mainly children, pensioners and disabled persons are entitled to full coverage.<\/li>\n\n\n\n<li>The scheme covers all or part of the cost of primary and preventive care, specialist care, hospital care, emergency care, rehabilitation and certain medicines.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Challenges facing the Latvian healthcare system<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lack of funding:<\/strong> despite some recent reforms, the Latvian healthcare system still faces a number of challenges, including underfunding, which sometimes leads to high out-of-pocket expenses for patients.<\/li>\n\n\n\n<li><strong>Quality of care<\/strong>: outside major cities such as Riga, healthcare facilities are often outdated.<\/li>\n\n\n\n<li><strong>Cost of medication<\/strong>: the price of medication is generally higher than the European average due to factors such as taxation and commercial margins. However, it should be noted that the reimbursement level for certain medications has increased to 75% in 2024.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Health insurance options for expatriates in Latvia<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Universal health insurance<\/strong>: membership of the Latvian health insurance system remains attractive for all expatriates, given the wide range of treatments that are reimbursed, even partially.<\/li>\n\n\n\n<li><strong>Private health insurance<\/strong>: taking out private health insurance as a supplement allows you to top up your cover and facilitates access to treatment from the provider of your choice.<\/li>\n\n\n\n<li><strong>Private international health insurance<\/strong>: for expatriates, this type of cover is the most effective, as it perfectly suits their lifestyle by offering coverage in Latvia, in their country of origin and anywhere in the world.<\/li>\n\n\n\n<li><strong>EHIC (temporary option)<\/strong>: if you are about to move abroad, you can consider the European Health Insurance Card (EHIC) to cover part of your medical care and provide you with temporary protection as soon as you arrive.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Global Health: the best health insurance for expatriates<\/h3>\n\n\n\n<p>We specialise in <a href=\"https:\/\/application.globalhealth.insurance\/\">international health cover<\/a> for expatriates.<\/p>\n\n\n\n<p>We offer <a href=\"https:\/\/globalhealth.insurance\/individuals\/explore-our-plans\/\">five levels of coverage<\/a> tailored to your needs to protect you and your family in Latvia and elsewhere in the world.<br><br>With Global Health, you choose:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Access to care as quickly as possible<\/li>\n\n\n\n<li>High-quality medical care<\/li>\n\n\n\n<li>Emergency repatriation coverage<\/li>\n\n\n\n<li>A 100% digital health service<\/li>\n\n\n\n<li>An online second medical opinion<\/li>\n\n\n\n<li>24\/7 multilingual medical assistance<\/li>\n\n\n\n<li>Complementary wellness services (mental health coaching, fitness programme, etc.)<br><br><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"704\" height=\"384\" src=\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/replicate-prediction-zvfwsvs5p1rmw0cwa369hhb64m-2.jpg\" alt=\"A family spends a peaceful afternoon outside a wooden house surrounded by tall pine trees. Two people stand in the garden picking berries while another person relaxes on the porch swing reading. A bicycle rests nearby, and a table in the foreground holds a bag filled with bread and fresh herbs. The scene is warm and sunlit, evoking a cozy countryside atmosphere.\" class=\"wp-image-36442\" style=\"aspect-ratio:1.8319327731092436;width:500px\" srcset=\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/replicate-prediction-zvfwsvs5p1rmw0cwa369hhb64m-2.jpg 704w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/replicate-prediction-zvfwsvs5p1rmw0cwa369hhb64m-2-300x164.jpg 300w\" sizes=\"(max-width: 704px) 100vw, 704px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Our health advice for expatriates in Latvia<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Take the initiative:<\/strong> as a future expatriate, it is never too early to take action. Moving to Latvia or elsewhere involves a lot of paperwork. Taking out international health insurance before you leave, or at the very least obtaining an EHIC, will ensure you are covered and avoid any unexpected surprises once you arrive.<\/li>\n\n\n\n<li><strong>Choose a multilingual insurer<\/strong>: expatriates generally do not speak Latvian. Don&#8217;t panic! Opting for an English-speaking insurer, or even a bilingual one, will guarantee a simple and hassle-free healthcare experience.<\/li>\n\n\n\n<li><strong>Get vaccinated<\/strong>: several EU Member States, including the UK, recommend keeping your vaccination record up to date, particularly for diphtheria, tetanus and polio. It is also advisable to get vaccinated against Central European tick-borne encephalitis, as the species is present in Latvia from April to October, especially in forests.<\/li>\n\n\n\n<li><strong><strong>Make a note of useful contacts:<\/strong><\/strong><br><ul><li>Medical emergency: call 113.<\/li><\/ul><br><ul><li>National Health Service: call 00 371 800 012 34.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>General medical advice service: call 66 01 60 01.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div style=\"height:72px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">FAQ from members in Latvia<\/h2>\n\n\n    <div class=\" align fgh-faq-search\">\n        <div class=\"wp-block-group fgh-has-background-gradient fgh-has-background-gradient-grey-light\">\n            <div class=\"wp-block-group__inner-container\">\n                <form role=\"search\" class=\"search-form fgh-faq-search-form\">\n                    <label for=\"search-terms\" class=\"screen-reader-text\">search for a topic<\/label>\n                    <input type=\"search\" id=\"search-terms\" class=\"search-field\" value=\"\" name=\"search\" placeholder=\"search for a topic\">\n                    <button type=\"submit\" class=\"search-submit\">\n                        search                    <\/button>\n                <\/form>\n                <p class=\"fgh-faq-search-or-selection\">or you can pick a topic below that matches your questions.<\/p>\n            <\/div>\n        <\/div>\n\n        \n                <div class=\" fgh-faq-listing\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\n            \n            \n                            <ul class=\"fgh-faq-listing-question-list unstyled\">\n                    \n                            <li id=\"fgh-faq-listing-38957\" class=\"fgh-faq-listing-question-item is-visible\" data-category=\"  \" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                                <h3 class=\"fgh-faq-listing-question-item-title\" itemprop=\"name\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"fgh-faq-answer-38957\">\n                                    <span class=\"fgh-faq-listing-question-text\">Is it worth keeping health coverage from your home country?<\/span>\n                                <\/h3>\n                                <div id=\"fgh-faq-answer-38957\" class=\"fgh-faq-listing-question-item-answer\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" aria-hidden=\"true\">\n                                    <div itemprop=\"text\">\n                                    <!-- wp:paragraph -->\n<p>In many cases, it depends on your long-term plans.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you intend to return to your home country in the future, maintaining certain ties to your domestic healthcare system may be beneficial. For example, some countries require proof of residency before granting full access to public healthcare again, and extended time abroad can affect eligibility.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, most public healthcare systems in English-speaking countries do not provide comprehensive long-term coverage overseas. Domestic insurance plans often offer only limited emergency protection abroad, and reimbursements may not reflect the actual cost of care in your country of residence.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For this reason, home-country coverage is rarely sufficient on its own for expatriates living abroad. Many choose international health insurance to ensure continuous, portable protection \u2014 both in Estonia and during visits back home.<br><br>Before relocating, it\u2019s important to review how your move may affect your eligibility and determine whether additional international coverage would provide greater financial security and flexibility.<\/p>\n<!-- \/wp:paragraph -->                                    <\/div>\n                                <\/div>\n                            <\/li>\n\n                    \n                            <li id=\"fgh-faq-listing-38971\" class=\"fgh-faq-listing-question-item is-visible\" data-category=\"  \" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                                <h3 class=\"fgh-faq-listing-question-item-title\" itemprop=\"name\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"fgh-faq-answer-38971\">\n                                    <span class=\"fgh-faq-listing-question-text\">How much should I budget for my health insurance in Latvia?<\/span>\n                                <\/h3>\n                                <div id=\"fgh-faq-answer-38971\" class=\"fgh-faq-listing-question-item-answer\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" aria-hidden=\"true\">\n                                    <div itemprop=\"text\">\n                                    <!-- wp:paragraph -->\n<p>Para el <strong>seguro de salud privado<\/strong>, las tarifas suelen oscilar entre <strong>50 \u20ac y 300 \u20ac al mes<\/strong>, seg\u00fan las caracter\u00edsticas espec\u00edficas de la p\u00f3liza y la compa\u00f1\u00eda aseguradora.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>En cuanto al <strong>seguro sanitario universal de Letonia<\/strong>, un empleado debe destinar el <strong>10,5 % de su salario bruto mensual<\/strong> a las cotizaciones. Sin embargo, el coste de la cobertura sanitaria en Letonia var\u00eda considerablemente en funci\u00f3n de varios factores, entre ellos:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>La franquicia<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>El nivel de cobertura<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>La duraci\u00f3n del contrato<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Su edad<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Su historial m\u00e9dico<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Aseg\u00farese de <strong>comparar siempre las diferentes opciones<\/strong> para elegir la que mejor se adapte a sus necesidades al precio m\u00e1s justo.<\/p>\n<!-- \/wp:paragraph -->                                    <\/div>\n                                <\/div>\n                            <\/li>\n\n                    \n                            <li id=\"fgh-faq-listing-38978\" class=\"fgh-faq-listing-question-item is-visible\" data-category=\"  \" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                                <h3 class=\"fgh-faq-listing-question-item-title\" itemprop=\"name\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"fgh-faq-answer-38978\">\n                                    <span class=\"fgh-faq-listing-question-text\">I have heard about \u2018first euro\u2019 insurance. What exactly does it cover?<\/span>\n                                <\/h3>\n                                <div id=\"fgh-faq-answer-38978\" class=\"fgh-faq-listing-question-item-answer\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" aria-hidden=\"true\">\n                                    <div itemprop=\"text\">\n                                    <!-- wp:paragraph -->\n<p>First euro insurance is coverage that takes effect from the first euro spent. It immediately covers medical, hospitalisation and repatriation costs, with no waiting period.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Most private international health insurance policies offer this option. It is a particularly attractive option for expatriates who are not affiliated with the EHIC.<\/p>\n<!-- \/wp:paragraph -->                                    <\/div>\n                                <\/div>\n                            <\/li>\n\n                                    <\/ul>\n                \n                                    \n\n            \n                    <\/div>\n\n        <p class=\"fgh-faq-search-not-found has-text-align-center has-info-dark-color has-text-color has-extra-large-font-size\">\n            No information found        <\/p>\n\n        \n            <\/div>","protected":false},"author":8,"featured_media":36384,"template":"","class_list":["post-37991","destinationcpt","type-destinationcpt","status-publish","has-post-thumbnail","hentry"],"acf":{"post_subtitle":"","post_badge":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>International health insurance for expatriates in Latvia | Global Health<\/title>\n<meta name=\"description\" content=\"Global Health provides international health insurance for expatriates in Latvia who are seeking a flexible, worldwide coverage tailored to their needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"International health insurance for expatriates in Latvia | Global Health\" \/>\n<meta property=\"og:description\" content=\"Global Health provides international health insurance for expatriates in Latvia who are seeking a flexible, worldwide coverage tailored to their needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/\" \/>\n<meta property=\"og:site_name\" content=\"Global Health\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-04T09:58:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/martti-salmi-F68ny2ZSgEs-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/\",\"url\":\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/\",\"name\":\"International health insurance for expatriates in Latvia | Global Health\",\"isPartOf\":{\"@id\":\"https:\/\/globalhealth.insurance\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/martti-salmi-F68ny2ZSgEs-unsplash-scaled.jpg\",\"datePublished\":\"2026-02-26T16:05:45+00:00\",\"dateModified\":\"2026-03-04T09:58:25+00:00\",\"description\":\"Global Health provides international health insurance for expatriates in Latvia who are seeking a flexible, worldwide coverage tailored to their needs.\",\"breadcrumb\":{\"@id\":\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-latvia\/#primaryimage\",\"url\":\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/martti-salmi-F68ny2ZSgEs-unsplash-scaled.jpg\",\"contentUrl\":\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2026\/02\/martti-salmi-F68ny2ZSgEs-unsplash-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"A panoramic view of a historic European city with colorful buildings and red-tiled roofs, centered around several tall church towers. 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