Armenia Health Insurance for Expats

International Health Insurance for Expats in Armenia

With limited public benefits available, expats should consider private health insurance when traveling in Armenia. Much of the country’s tertiary and specialized care is carried out by private providers, meaning it’s all the more prudent to be covered for any private medical care you might need.

Pacific Prime can help you find the ideal health insurance plans for your unique requirements and budget. Click below to get a free quote or keep reading to learn more about the healthcare system and health insurance in Armenia on this page.

Recommended International Health Insurance Plans for Expatriates Living in Armenia

Healthcare in Armenia

Yerevan has some excellent medical facilities, both public and private. Healthcare options might be limited in remote areas. Though the majority of the country’s health services are provided by the public sector, the private sector is the major provider of tertiary and specialized care.

You can learn more about the public and private healthcare system in Armenia in this section, as well as a list of public and private medical service providers in Armenia.

*Patients should research whether a service provider is suitable for their conditions. Pacific Prime does not accept any liability for any loss or damage arising from the utilization of services provided by these service providers or this information.

Public Healthcare in Armenia

Public healthcare accounts for the majority of health services in Armenia, including regional hospitals, urban polyclinics, and primary care centers in rural areas. Most public healthcare facilities in Yerevan are well-equipped, though services are more limited in rural areas.

In Armenia, citizens usually register with local public or private polyclinics for day-to-day health concerns and primary care. Primary care provided by public polyclinics is also largely subsidized for citizens under the Basic Benefits Package (BBP), the Armenian public health benefits.

Should a patient's condition require further examination or more extensive treatment, the polyclinic will refer patients to larger clinics or the hospital.

Most public healthcare facilities in Yerevan are well-equipped and will be sufficient for most minor or straightforward ailments.

For specialized care and complex conditions, patients might be transferred to private facilities with better equipment for technology-based specialized care or to better facilities outside of the country in a medical evacuation if their conditions are required.

In rural areas, public facilities are usually basically equipped and may be suitable for primary treatment or stabilization only.

The Armenian public health system is especially challenged by underfunding and staff shortages, meaning out-of-pocket payment remains high despite BBP and regional facilities usually having limited staff available.

Public Hospitals in Armenia

Armenia Republican Medical Centre
Website: https://www.armeniamedicalcenter.am/eng/index
Telephone: +374(0) 10 318 190 (working hours: 9:00 - 16:00) / 81 03, 88 44 (round-the-clock ambulance reception)

Muratsan University Hospital
Website: https://muratsan.am/home-2/
Telephone: +374 10 450 230

Nork Marash Medical Centre (Cardiac Centre)
Website: https://nmmc.am/
Telephone: +374 10 655930

Private Healthcare in Armenia

Although smaller than its public counterpart, the private healthcare sector in Armenia is a major provider of tertiary and specialized healthcare in Armenia. Their facilities are also usually well-equipped and have good standards.

Most private healthcare facilities are largely concentrated in the area of Yerevan.

Compared to its public counterpart, the private healthcare sector in Armenia accounts for only around one-third of inpatient facilities and hospital beds, and public hospitals are still the major providers of hospitalization.

They are the key provider when it comes to technology-based and specialized tertiary care in Armenia. Many private facilities are usually well-equipped and have sufficient capability to provide advanced care.

They also enjoy a better reputation when it comes to quality of services and organization compared to the public sector.

The majority of pharmacies and dental clinics in Armenia are privately operated, and so are major medical technical services and major medical centers in Yerevan.

Visitors will want to make sure they are sufficiently covered by a health insurance plan to make sure their medical bills do not aggregate while receiving care in private facilities.

Private Hospitals in Armenia

Astghik Medical Centre
Website: https://www.mcastghik.com/eng/
Telephone: +374 11 66 77 88

Erebouni Medical Centre
Website: https://www.erebunimed.com/eng/index
Telephone: +374 10 47 11 00

Maple Leafs Armenian Canadian Medical Clinic
Website: http://mapleleafsclinic.com/?lang=en
Telephone: +374 10 65 07 17

Nairi Medical Centre
Website: https://nairimed.com/en
Telephone: +374 10 53 75 00, 8 900, 8 999

Shengavit Medical Centre
Website: https://mcshengavit.am/en/
Telephone: +374 11 560 560

Expat Health Insurance Options in Armenia

Armenia has limited public medical benefits provided by the government, and citizenship is usually a prerequisite to the public benefits. Expats may want to consider private health insurance plans to ensure their healthcare is covered in Armenia.

Public Health Insurance in Armenia

Armenia is still developing its universal health insurance scheme. Currently, Armenian citizens can register for free medical services under the Basic Benefits Package (BBP) at local public health facilities.

This Basic Benefits Package (BBP) includes:

• Primary care
• Emergency care
• Maternal and childcare
• Treatment of cancers
• Treatment of HIV/AIDS
• Treatment of Tuberculosis
• Treatment of other infectious diseases

Foreign visitors in Armenia are entitled to emergency medical services regardless of their nationality or financial ability.

Armenia is still in the designing phase of its universal health coverage system. Foreign visitors who want to ensure their medical access while staying in Armenia may want to consider a private health insurance plan.

Private Health Insurance in Armenia

Private health insurance is a prudent choice for any foreign visitors visiting Armenia, considering the developing state of the country’s public health insurance and the limited public medical benefits currently available to foreign citizens.

Although public health facilities in Yerevan are usually well-equipped for most basic ailments, complex conditions may require treatment in private hospitals with better equipment and specialization or hospitals outside the country.

If that is the case, you might want to make sure you have an appropriate private health insurance plan that can cover your private medical services, from emergency room visits to medical evacuation.

If you are a traveler, private travel insurance plans could also ensure that you are covered for any unexpected travel mishaps, like trip cancellation, flight delay, and stolen or damaged luggage.

How to Find the Best Private Health Insurance in Armenia

Several top insurers provide international health insurance plans that include coverage in Armenia, including Allianz, April International, Cigna Global, and more.

Pacific Prime offers consultation and a wide range of policies to meet your individual needs, including a variety of healthcare plans and travel insurance policies for you to choose from, along with possible benefit packages including dental, maternity, inpatient, outpatient, and more.

Contact our expert advisors today for a free quote and enjoy the security that our comprehensive health insurance plans can provide.

Allianz

Allianz offers comprehensive insurance plans for all expats’ needs. Riders are available to be purchased and attached to any basic policy that Allianz approves. These riders can offer coverage for accidents and other risks.

Some of the basic coverage for their plans includes:

April International

April International has over 30 years of experience in the international health insurance market and provides both comprehensive and flexible plans to expats. They provide varying levels of coverage, fully customizable policies, and a wide direct billing network.

Some of the shared coverage across their plans are:

Cigna Global

Cigna Global provides flexible insurance plans to expats. They offer their members 24/7 access to a customer care team and access to any private hospitals and private clinics. Their plans are both customizable and comprehensive.

Cigna has a silver, gold, and platinum plan with different levels of coverage. All three of these plans share several common key coverage benefits:

Armenia Health and Travel Advice

Travelers should avoid traveling to the border region with Azerbaijan due to potential armed conflicts as this may affect your insurance coverage. The risk of diarrhea, tuberculosis, and Brucellosis has also been reported in Armenia.

Armenia-Azerbaijan Border

Many countries have active warnings against traveling to the Armenia-Azerbaijan border due to potential armed conflicts. Insurers may refuse to offer you coverage should you travel to areas along the Armenia-Azerbaijan border.

Diarrhea

There is a high risk of diarrhea due to contaminated food and water across Armenia. Visitors should stick to water bottles when traveling outside major cities and avoid uncooked food.

Brucellosis

There have been reported cases of brucellosis infection in Armenia from consuming unpasteurized dairy products. Visitors should avoid consuming unpasteurized dairy products as well as undercooked meat from dairy animals including cows, sheep, and goats.

Air Quality

Armenia experiences smog and particulate pollution in winter around major city areas. Visitors should stay updated on the air quality index when traveling. Visitors with pre-existing respiratory conditions may consult physicians before their trip.

Frequently Asked Questions

Is healthcare free in Armenia?

Certain health services are available to Armenian citizens for free under the Basic Benefits Package (BBP). For foreign visitors, emergency medical services are available regardless of nationality and financial ability.

Do I need insurance to travel to Armenia?

Health insurance is not mandatory for visitors traveling to Armenia. However, it can be prudent to make sure your healthcare is covered, especially for services provided by private facilities.

Is Armenia safe for travel now?

Visitors should still pay caution for possible armed conflicts, especially along the Armenia-Azerbaijan border. Your insurance may not cover you if you travel to conflict regions with an active warning.

Conclusion

Although the public sector is still the major provider of healthcare in Armenia, much of tertiary and specialized care is carried out by private healthcare providers in the country. Visitors might want to make sure their private healthcare is covered, especially by adequate private health insurance.

Insurance advisors at Pacific Prime can help you find health insurance plans that work perfectly for your trip and budget. Contact us now for no-obligation and free plan comparison!