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Tervisekassa contract partner: adults and children

Health fund benefits

Tervisekassa splits its rules into groups, and working out which one you belong to is usually harder than it looks. Answer four questions and you will see only what applies to you.

Updated 1 September 2026

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€60a year for adults, your share 50%
€105a year for eligible groups, your share 12.5%
€260for dentures once in three years
under 19treatment paid by the health fund

What applies to you

In 2026 the adult dental benefit is 60 euros a year, and your share of the bill is 50%. For the enhanced groups — old-age pensioners, pregnant women, mothers of children under one, and people with partial or no work ability — the benefit is 105 euros a year and your share is 12.5%. Treatment for children under 19 at a contract partner is paid by Tervisekassa. There is a separate benefit for dentures: 260 euros over three years.

Children's and adults' benefits are counted differently; the line is 19 years.
Are you pregnant, or the mother of a child under one
Which of these is true for you
Increased need means head and neck tumours, congenital clefts, genetic diseases of the teeth and jaws, facial damage after medical procedures, an organ transplant, type 1 diabetes and Sjögren's syndrome.

Your benefit

Under 19 The health fund pays for the treatment

For an insured patient under 19, Tervisekassa pays for treatment at a contracted clinic.

  • Nothing to pay on top for work on the health fund's list.
  • Valid health insurance is required.
  • Not every procedure is on the list — the dentist will tell you before treatment starts what is charged separately.
  • We do not provide children's orthodontics — braces or plates.
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€60 a year Standard rate

Within the benefit, the health fund covers half the bill and you pay the other half.

  • Up to €60 per calendar year.
  • Your share is 50%. On a €100 bill you pay €50, the fund pays €50, and €10 of the year's benefit remains.
  • Anything unused does not carry over to next year.
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€105 a year Enhanced rate

You belong to a group the health fund reimburses more generously, leaving you a smaller share.

  • Up to €105 per calendar year.
  • Your share is 12.5%. On an €80 bill you pay €10, the fund pays €70, and €35 of the year's benefit remains.
  • Anything unused does not carry over to next year.
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€260 every three years You are also entitled to the denture benefit

This is a separate benefit with its own term — it does not use up your yearly treatment allowance.

  • €260 towards dentures once in three years.
  • The three-year term starts on the day you first use the benefit.
  • Anything unused does not carry over to the next term.
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Eligibility and the amount are decided by Tervisekassa, not by the clinic. The rules can change — the current ones are at terviseportaal.ee.

The amounts are valid for 2026. Source: tervisekassa.ee, checked on 1 September 2026.

How it works

Soul Dental Studio holds Tervisekassa contracts for both adults and children, so the benefit applies here. Nothing to arrange in advance: it is taken off the bill at the clinic.

01Come with valid insurance

The benefit applies with valid Tervisekassa health insurance. There is nothing to register and no paperwork to file.

02We can see your status

When your visit is registered, the front desk sees which benefit you are entitled to and how much of it is left.

03The discount comes off the bill

The benefit is not a payment into your account but a deduction from the sum. You pay only your own share.

04The balance stays visible

What is left for the year is shown at terviseportaal.ee and eesti.ee. Anything unused does not carry over.

What the benefit covers

What it will cover in your case, the dentist tells you at the consultation — before treatment starts, together with the plan and the price.

Covered

  • Examination and treatment plan.
  • Treating decay and placing fillings.
  • Root canal treatment.
  • Extractions.
  • X-rays needed for the treatment.

Not covered

  • Whitening, veneers, cosmetic restorations.
  • Implants.
  • Orthodontics for adults.
  • Part of prosthetic work — dentures have a separate benefit.

Special cases

Three situations with rules of their own.

Children under 19

Tervisekassa pays for treatment at a contracted clinic. We do not provide children’s orthodontics — braces or plates.

Children’s dentistry Dentures: €260 every three years

A separate benefit for people aged 63 and over, old-age pensioners and people with partial or no work ability.

Prosthetics If you have no insurance

Emergency care for acute pain is available to everyone. Planned treatment is paid in full — we offer instalments and a membership plan.

Instalments

Common questions

Do I need to arrange anything in advance?
No. The benefit is applied automatically when you pay: the front desk sees your status and your remaining balance. All you need is valid Tervisekassa insurance.
Where can I see how much I have left?
Your balance is shown in your personal view on the health portal, under dental health. If checking it yourself is inconvenient, ask at your visit: the front desk sees the balance when registering your appointment and will tell you how much benefit you have left this year.

See your balance on the health portal →

What happens to an unused amount at the end of the year?
It lapses. The yearly benefit runs within the calendar year and does not carry over. The same goes for the denture benefit: anything unused does not move into the new three-year term.
Does the benefit cover all treatment?
No. It covers ordinary treatment — examination, decay, root canals, extractions, the X-rays needed — and does not cover aesthetic work, implants or orthodontics for adults. What it covers in your case, the dentist will tell you before treatment starts.
Do you do children's orthodontics under the health fund?
No, we do not provide children's orthodontics. We do provide the rest of children's treatment on the health fund's terms.
Tervisekassa or Haigekassa — is it the same thing?
Yes, the same institution. In 2023 Haigekassa was renamed Tervisekassa. The terms of the benefits did not change with the new name.
How much is the dental benefit for a pensioner?
For an old-age pensioner the benefit is 105 euros a year, and your share of the bill is 12.5%. The same applies to pregnant women, mothers of children under one, and people with partial or no work ability.
How do I get the denture benefit?
The denture benefit is 260 euros over three years and is separate from the dental benefit. It applies to people aged 63 and over, old-age pensioners, and people with partial or no work ability. The clinic issues the invoice, and you pay your share on the spot.

Have health insurance? See how we bill →

Sources and date

The figures and conditions on this page come from official sources. Tervisekassa rules change — if you spot a discrepancy, trust the source and tell us, we will fix it.

Questions for Tervisekassa itself: +372 669 6630 info@tervisekassa.ee

Checked on 1 September 2026.