Best Health Insurance in Latvia

2 plans ranked and reviewed · Updated April 2026

Healthcare System Overview

Tax-funded public healthcare with a growing employer-sponsored private insurance market.

Balta Veselības Apdrošināšana

Balta

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Latvia's Largest

★★★★☆4.1(765 reviews)

Monthly Premium

€45 - €160

Deductible

€100

✓Largest Latvian insurer
✓Riga specialist network
✓Corporate health plans

“Balta's market leadership in Latvia reflects consistent delivery of reliable coverage to both individuals and employers.”— Dienas Bizness 2025

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ERGO Veselības Apdrošināšana

ERGO Latvia

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International Standard

★★★☆☆3.9(543 reviews)

Monthly Premium

€40 - €150

Deductible

€150

✓Munich Re stability
✓International coverage
✓Annual budget plans

“ERGO's annual budget model offers Latvians rare flexibility in how they allocate their private health spending.”— Latvijas Avīze 2025

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About Health Insurance in Latvia

Latvia's public healthcare is tax-funded; private health insurance is popular among employers as a workplace benefit.

Our team of insurance experts has evaluated and ranked the top 2 health insurance providers in Latvia based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.

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