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Best Health Insurance in Lithuania

5 insurers ranked and reviewed · Updated May 2026

Sources:Bank of Lithuania — Insurance Market ReviewsVLK Annual Reports

Healthcare System Overview

Lithuania operates a compulsory health insurance (CHI) system managed by the National Health Insurance Fund (VLK) with contributions collected by Sodra (State Social Insurance Fund). The CHI budget approached EUR 4 billion in 2025. Mandatory contributions are approximately 30% of gross salary (split between employer and employee). Private health insurance supplements the public system, primarily through employer-provided group policies.

Lietuvos draudimas

AB Lietuvos draudimas

private

90Score

Bank of Lithuania: Largest Non-Life Insurer(2025)

★★★☆☆3.9satisfactionFinancial strength: A- (PZU Group — S&P)

Market Share

~29-33% non-life (#1)

Parent Company

PZU Group (Poland)

Branches

~100

Largest non-life insurer in Lithuania and the Baltics
900+ specialists across ~100 branches
500+ partner medical institution branches
Part of PZU Group (Poland's largest insurer)

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ERGO Insurance (Lithuania)

ERGO Insurance SE Lietuvos filialas

private

80Score

Munich Re Group: World-Class Reinsurer Backing(2025)

★★★☆☆3.8satisfactionFinancial strength: AA- (Munich Re — S&P)

Parent Company

ERGO Group / Munich Re

Merger

Merging with Gjensidige in Baltic States

Coverage

Cross-Baltic (Lithuania, Latvia, Estonia)

Part of Munich Re group (world's largest reinsurer)
Merging with Gjensidige to strengthen Baltic position
Cross-Baltic health insurance coverage
Digital-first approach with strong online services

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National Health Insurance Fund (VLK)

Valstybine ligoniukasu (VLK)

statutory2.8M members

80Score

VLK: Universal CHI (EUR 4B Budget)(2025)

★★★☆☆3.2satisfaction

Chi Budget

~EUR 4 billion (2025)

Minimum Chi Cost

EUR 80.48/month (2026)

Expansion2025

Cancer screening, sleep apnea, genetic services

Universal compulsory health insurance for all residents
Budget approaching EUR 4 billion (2025)
2025 expansions: broader cancer screening, sleep apnea, genetic services
Minimum CHI cost EUR 80.48/month (2026)

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BTA Baltic Insurance Company (Lithuania)

AAS BTA Baltic Insurance Company filialas Lietuvoje

private

76Score

VIG: Largest Baltic Company (Cross-Baltic Health)(2025)

★★★☆☆3.7satisfactionFinancial strength: A+ (Vienna Insurance Group — S&P)

Parent Company

Vienna Insurance Group

Coverage

Cross-Baltic (Lithuania, Latvia, Estonia)

Mobile App

Yes

Largest VIG company in Baltic region
Cross-Baltic health insurance coverage
Mobile app for health insurance management
Strong employer and corporate health plans

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Gjensidige (Lithuania)

Gjensidige

private

72Score

Gjensidige: Nordic-Quality Insurance (S&P: A)(2025)

★★★☆☆3.7satisfactionFinancial strength: A (Gjensidige Forsikring — S&P)

Parent Company

Gjensidige Forsikring (Norway)

Merger

Merging with ERGO in Baltic States

Platform

Digital-first, online purchasing

Norwegian parent (one of Nordic region's largest insurers)
Merging with ERGO in Baltic States
Online insurance purchasing platform
Nordic-quality service standards

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About Health Insurance in Lithuania

Our editorial team has evaluated and ranked the top 5 health insurers in Lithuania based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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