Three more insurance companies have joined the Armenian universal health insurance system initiative
25.02.2026,
17:51
The General Health Insurance Fund of Armenia and the insurance companies Armenia Insurance, REGO Insurance, and Nairi Insurance signed a memorandum on Wednesday aimed at developing the health insurance system.
YEREVAN, February 25. /ARKA/. The General Health Insurance Fund of Armenia and the insurance companies Armenia Insurance, REGO Insurance, and Nairi Insurance signed a memorandum on Wednesday aimed at developing the health insurance system.
"Citizens will benefit from the signing of the memorandum. The state, while providing basic medical care, provides the opportunity to receive additional services from private insurance companies. This reform will undoubtedly contribute to the further development of the insurance sector in Armenia and the expansion of the range of services," noted Health Minister Anahit Avanesyan.
Ingo Armenia, EFES, Liga Insurance, and SIL Insurance previously joined the initiative.
About the compulsory health insurance system in Armenia
The compulsory health insurance system will be implemented in Armenia on January 1, 2026. During the first stage of the three-year reform (2026–2028), 1.7 million Armenian residents will be included in the system.
Starting in 2026, the system will include two groups. The first includes citizens with salaries between 200,000 and 500,000 drams; the second includes minors under 18, individuals aged 18–65 with disabilities (Groups I, II, and III), citizens aged 65 and older, and socially vulnerable families with a score of 28 or more. For the second group, the state will cover 100% of the costs.
In the second stage, beginning in 2027, the system will include individuals with salaries up to 200,000 drams, and from 2028, the remaining groups, including those employed in agriculture and their families, will be included.
The estimated cost of the medical insurance package is 129,600 drams per year, with the option to pay monthly. The insurance package covers the most commonly used medical services, including outpatient care, family doctor visits, specialist consultations, and laboratory tests (within a set annual limit). The list of services will be gradually expanded and refined, including certain surgical procedures, such as ophthalmological (cataracts), cardiovascular, and other procedures.
The 2026 state budget of Armenia allocates 127 billion drams for the implementation of the mandatory medical insurance system. ($1 = 377.84 drams).
"Citizens will benefit from the signing of the memorandum. The state, while providing basic medical care, provides the opportunity to receive additional services from private insurance companies. This reform will undoubtedly contribute to the further development of the insurance sector in Armenia and the expansion of the range of services," noted Health Minister Anahit Avanesyan.
Ingo Armenia, EFES, Liga Insurance, and SIL Insurance previously joined the initiative.
About the compulsory health insurance system in Armenia
The compulsory health insurance system will be implemented in Armenia on January 1, 2026. During the first stage of the three-year reform (2026–2028), 1.7 million Armenian residents will be included in the system.
Starting in 2026, the system will include two groups. The first includes citizens with salaries between 200,000 and 500,000 drams; the second includes minors under 18, individuals aged 18–65 with disabilities (Groups I, II, and III), citizens aged 65 and older, and socially vulnerable families with a score of 28 or more. For the second group, the state will cover 100% of the costs.
In the second stage, beginning in 2027, the system will include individuals with salaries up to 200,000 drams, and from 2028, the remaining groups, including those employed in agriculture and their families, will be included.
The estimated cost of the medical insurance package is 129,600 drams per year, with the option to pay monthly. The insurance package covers the most commonly used medical services, including outpatient care, family doctor visits, specialist consultations, and laboratory tests (within a set annual limit). The list of services will be gradually expanded and refined, including certain surgical procedures, such as ophthalmological (cataracts), cardiovascular, and other procedures.
The 2026 state budget of Armenia allocates 127 billion drams for the implementation of the mandatory medical insurance system. ($1 = 377.84 drams).
