For insured patients
Dental care with health insurance in Tallinn
You can pay for dental treatment at our clinic with your health insurance. With Confido and LHV we settle directly — you pay only what your insurance does not cover. With other insurers you pay for the treatment yourself and we provide the documents to claim reimbursement under your policy.
Lastekodu 35, Tallinn · free parking at the door
Tervisekassa partnerChoose your insurer
Tap a card — the section below opens with how payment works with your insurance.
Terms checked against the insurers' websites on 28.09.2026.
Confido Terviselahendus Billed directly 
LHV Billed directly 
ERGO Reimbursement 
If Reimbursement 
Compensa Life Reimbursement 
PZU Reimbursement 
Seesam Reimbursement 
IIZI Reimbursement 
BTA Reimbursement Another insurer Reimbursement How payment works depends on your insurance. Soul Dental Studio has a direct agreement with Confido Terviselahendus; LHV claims are settled through Confido. For the other insurers listed, we provide the documents you need to submit your own claim.
How treatment is paid for with each insurer
| Insurer | How payment works | What you need to do |
|---|---|---|
| Confido Terviselahendus | Invoice goes directly to the insurer | Tell us you have Confido when you book |
| LHV | Invoice goes directly via Confido | Notify Confido at least 24 hours before your visit |
| ERGO | Pay at the clinic, then claim reimbursement | For treatment from €300 you can request a letter of guarantee — we prepare the treatment plan with prices |
| If, Compensa Life, PZU, Seesam, IIZI, BTA and others | Pay at the clinic, then claim reimbursement | Get the invoice and proof of payment at the clinic. If your insurer needs a treatment summary, ask the receptionist for it. |
Which services are covered, how much is reimbursed and your share of the cost depend on your insurance terms and the limit you have left.
Say the treatment costs €200. If it is fully covered, you have enough of your limit left and your excess under the contract is 10%, you pay €20 and the insurer pays €180. This is an illustrative example — the exact amount depends on your insurance.
Confido Terviselahendus
Billed directly
After your appointment the receptionist calculates the payment in the Confido system and explains which part is covered by Tervisekassa, which by Confido, and how much is left for you to pay. The Tervisekassa benefit is taken into account if you are entitled to it and have some of it left. You do not need to submit a claim to Confido yourself.
Confido's dental cover can include check-ups, hygiene, root canal and gum treatment, surgery, prosthetics, crowns and implants. What exactly is covered, and the limit, depend on your employer's contract.
In the Confido Terviselahendus self-service or in your insurance contract.
Tell us you are insured with Confido Terviselahendus. Your personal identification code is needed for the calculation in the Confido system.
- Whitening, tooth jewellery, and veneers or prostheses fitted purely for appearance.
- Professional cleaning with Air Flow and other air polishing (pärli- and soodapesu). Scaling, including below the gum line, paste polishing and curettage are covered.
- Orthodontics — braces and aligners.
- Guards not related to treatment: anti-snoring, sports and bruxism guards.
- Take-home products: toothpaste, mouthwash, toothbrush.
- Prepayment invoices and missed appointments.
Our professional cleaning includes Air Flow — ask the receptionist which part of it Confido covers.
LHV health insurance
Billed directly
LHV health insurance runs through the Confido Terviselahendus system. After your appointment the receptionist calculates the payment in that system and explains which part the insurance covers and how much is left for you to pay. You do not need to submit a claim yourself.
Dental cover is added to LHV insurance by the employer. What exactly is covered is stated in your contract.
In the LHV internet bank or app, under insurance.
Tell us you are insured with LHV, and notify Confido at least 24 hours before your visit. Your personal identification code is needed for the calculation.
- Whitening, tooth jewellery, and veneers or prostheses fitted purely for appearance.
- Professional cleaning with Air Flow and other air polishing (pärli- and soodapesu). Scaling, including below the gum line, paste polishing and curettage are covered.
- Orthodontics — braces and aligners.
- Guards not related to treatment: anti-snoring, sports and bruxism guards.
- Take-home products: toothpaste, mouthwash, toothbrush.
- Prepayment invoices and missed appointments.
LHV health insurance follows the Confido Terviselahendus general terms, so the exclusions are the same.
ERGO
Reimbursement
You pay for the treatment at the clinic, then submit a claim to ERGO. We give you an itemised invoice and a payment receipt, on paper or by email.
Depends on the contract: with ERGO, dental care is a separate cover with its own limit.
In the ERGO self-service or in your insurance contract.
That you are insured with ERGO. If the planned treatment costs €300 or more, you can request a letter of guarantee from ERGO before treatment — we prepare the treatment plan with prices for it.
- Whitening, cosmetic procedures and operations.
- Orthodontic treatment with braces.
- In the Mini and Midi packages, making and repairing dentures and prosthetics. These are covered only in the Maksi package.
- Treatment of an illness or injury that began before the contract took effect.
- Dental care in the first 14 days of the contract in the Mini and Midi packages, and the first 30 days in the Maksi package.
These are the terms of ERGO private insurance. The terms of ERGO employer insurance are not published — check them with your employer or ERGO.
If
Reimbursement
You pay for the treatment at the clinic, then submit a claim to If. We give you an itemised invoice and a payment receipt, on paper or by email. If If asks for a treatment summary, we prepare it at your request.
Depends on your employer's contract: dental care is one of the optional covers in If insurance.
In the If self-service or in your insurance contract.
That you are insured with If — we will prepare the documents for your claim.
- Whitening and aesthetic dentistry: chemical and internal whitening, ZOOM, Opalescence gel, tooth jewellery.
- Medicines prescribed after treatment, such as painkillers and antibiotics.
- Hygiene and care products.
- Missed appointments.
- Treatment paid for during the insurance period but provided after it ends.
If lists veneers and dental guards among the covered services.
Compensa Life
Reimbursement
You pay for the treatment at the clinic, then submit a claim to Compensa Life. We give you an itemised invoice and a payment receipt, on paper or by email. The claim also needs a treatment summary with the dentist's name and code — ask the receptionist for it.
Depends on your employer's contract: dental care is a separate cover in Compensa Life insurance.
In the Compensa Life self-service or in your insurance contract.
That you are insured with Compensa Life — we will prepare the documents for your claim.
- Aesthetics: veneers, tooth jewellery and overlays.
- Whitening.
- Care products.
- Missed appointments.
- Myofunctional therapy.
- Denture repairs.
- Prescription medicines.
- Prepayment invoices, including multi-visit cards.
- A handwritten invoice over €50 paid in cash. We issue printed invoices.
PZU
Reimbursement
You pay for the treatment at the clinic, then send the documents to PZU. We give you the invoice and a payment receipt and, at your request, prepare the treatment summary needed for the claim. PZU recommends sending the documents as soon as possible, ideally within 90 days of the visit.
If you are unable to pay for the treatment yourself, contact PZU before it starts: the insurer will consider issuing a letter of guarantee. We prepare the treatment plan with prices.
Depends on your employer's contract: dental care is a separate cover in PZU insurance.
In the PZU self-service or in your insurance contract.
That you are insured with PZU — we will prepare the documents for your claim.
- Aesthetics: tooth jewellery and overlays, veneers.
- Whitening.
- Guards not related to treatment: sports, bruxism and sleep apnoea guards.
- Prescription medicines — these can be insured under a separate cover.
- Prepayment invoices.
- Costs already covered by Tervisekassa or another insurance.
- Treatment following a plan changed without the dentist's consent.
Seesam, IIZI, BTA and other insurers
Reimbursement
You pay for the treatment at the clinic, then submit a claim to your insurer. We give you an itemised invoice and a payment receipt, on paper or by email. We prepare a treatment summary at your request. If the cover needs to be agreed in advance, we provide a treatment plan with prices.
Only what your contract says: some policies cover routine dental care, others only treatment after an accident.
In your insurer's self-service or in the contract — if in doubt, ask your insurer before the visit.
The name of your insurer. If your insurer needs specific documents, let us know in advance.
Seesam
- Whitening.
- Guards: retainers, night guards, bruxism guards, whitening trays and similar.
- Cosmetic procedures and operations. Under the terms these include gum and bone grafting and plastic surgery — check the cover with Seesam before such an operation.
- Take-home products.
- Prepayment invoices.
- Period passes, packages and gift cards.
Seesam covers orthodontic treatment, including one set of aligners or guards per insurance period.
BTA
Which dental services are covered is set out in your employer's insurance programme. Under its general terms, BTA does not reimburse:
- Cosmetic procedures.
- Cosmetic, aesthetic, plastic and reconstructive surgery.
- Organ and tissue transplantation — check the cover with BTA before a bone or gum graft.
- Myofunctional therapy.
- Prepayment invoices and gift cards.
IIZI and others
The terms of IIZI Tervis are not published. What your insurance does not cover is stated in your contract — if in doubt, ask your insurer before the visit.
If your insurance cover is not enough
When your insurance limit has run out or part of the treatment is not covered, you can pay your share of the bill in instalments over up to 120 months.
How it works with insurance
- With Confido and LHV the insurer pays its part directly to the clinic. Only the amount left for you to pay goes into the instalment plan.
- The Tervisekassa dental benefit is also deducted before the instalment plan is drawn up.
- The amount financed equals the amount in the treatment plan. The clinic adds no mark-up.
Our instalment partners
Instalment plans are provided by the banks and finance companies we work with. Tap a partner to see its terms.
You apply yourself on the partner's website, signing in with an ID card, Mobiil-ID or Smart-ID. A decision comes in about five minutes.
Insurance and the Tervisekassa dental benefit
If you are entitled to the Tervisekassa dental benefit, let the receptionist know. Whether the remaining cost can be reimbursed by your private insurance depends on the terms of your contract.
Employer benefits via Stebby
We are a Stebby partner. If your employer provides a health benefit through Stebby, you can use it to pay for treatment with us — just mention it when you book.
Dentists who see insured patients
All our dentists see patients with insurance: general dentistry, root canal treatment, hygiene, surgery, prosthetics and implants. The receptionist matches you with a dentist based on your needs and the earliest available time.
Frequently asked questions
Can I use my insurance if it is not with Confido?
Yes, if your insurance covers dental care. With Confido and LHV we settle directly. If you are with another insurer, you pay for the treatment at the clinic and we provide the documents to claim reimbursement under your policy.
What should I say when booking?
Tell us the name of your insurer. With Confido Terviselahendus and LHV we invoice directly; with other insurers we prepare the documents.
Does insurance cover implants?
It depends on the contract. Confido Terviselahendus dental cover can include prosthetics and implants. The exact limit is in your contract. Before treatment we give you a treatment plan with prices.
How do I find out my limit and how much is left?
The limit is stated in your insurance contract. Your current balance can be checked in the insurer's self-service or app, or by asking the insurer directly. With Confido, the receptionist sees the amount covered for a specific visit after the appointment, once the services have been entered into the system.
What if the insurer refuses to reimburse?
Ask the insurer for the reason: usually a document is missing or the procedure is not covered. If an additional document is needed — an invoice, a treatment summary or a plan with prices — we will provide it.
Does insurance cover hygiene and whitening?
Professional hygiene is usually included in dental cover; whitening usually is not, as it is a cosmetic procedure. Your contract has the definitive answer.
Will insurance reimburse a prepayment or a subscription?
It depends on your insurance terms. Under the terms referred to below, Seesam and BTA do not reimburse prepayment invoices. If you have paid an advance, ask for the final invoice once the services have been provided: it is needed for the claim to be considered.
Seesam's terms also exclude subscriptions and packages. Before buying Soul Care, check with your insurer whether this exclusion applies to the option you have chosen.
Seesam terms (PDF, in Estonian) · BTA terms (PDF, in Estonian)
My employer's insurance ended in the middle of treatment — what now?
Tell the receptionist before your next visit. The stages already completed are processed under the insurance; the rest is paid as usual, in instalments if you wish.
Can I find out in advance how much I will pay?
You can get an estimate. After the examination we draw up a treatment plan with prices. Use it to check with your insurer which services are covered, how much of your limit is left and what share you need to pay yourself. With Confido, the exact amount covered for the visit is visible once the services have been entered into the system.
Can I use my insurance together with the Tervisekassa benefit?
Yes, if you are entitled to the Tervisekassa dental benefit, you have some of it left and your insurance terms provide for reimbursement of the remaining costs. The Tervisekassa benefit is applied first, then the insurance cover is determined.
With Confido, the calculation is done at the clinic. If you submit a claim to another insurer yourself, state the amount already covered by Tervisekassa. If you are not entitled to the Tervisekassa benefit, reimbursement depends on your insurance terms.
Book with your insurance
Tell us your insurer when you book — the receptionist will explain what to bring and how payment works.
Time kept free for acute pain every working day
Free parking at the door
Step-free entrance, a lift to the floor above If your plans change, let us know at least 24 hours before the appointment — that way the time can go to another patient who needs it.