360° Health Protection for the employee

Stebby’s health insurance module 360° Health Protection helps you stay healthy, efficient and happy! Health insurance will give you peace of mind in case of any health issues, because the solution is always at hand.

As of now you have the opportunity to join with health insurance as a Stebby user! For this, we’ve created to separate tax-exempt insurance packages that employees can purchase themselves: Hoian end And Elan tervelt.

It’s important to understand that you cannot use only your personal funds to purchase the insurance and that the insurance policy is signed for 12 months. This means you can only use your company provided wellness compensation or company provided wellness compensation along with your personal funds to initially sign and pay the recurring installations.

If you pay for part of your insurance with your own funds, add your bank card to your Stebby account for subsequent payments and allow the card to be used to pay for the contract. This way you can be sure that your insurance will not be cancelled, for example, by a failed payment. Read more on how to attach your bank card here.

Our customer support will gladly assist you with any questions that arise at info@stebby.eu.

PS! The certificates and terms listed below are valid for contracts with an insurance period starting from 01.04.2025. Find the terms for the insurance contracts activated before that HERE.

Elan tervelt package


Hoian end package


Insurance T&C

The intermediary for the health insurance is the insurance agent Stebby OÜ (registration code 12231911), acting on behalf of the Estonian branch of the insurer ERGO Life Insurance SE (registration code 12025488). For further information, please see the Information page.

What to do in a claim event?

1. We recommend starting with telemedicine

80% of initial contacts can be resolved through telemedicine, allowing you to save time and interact with your doctor at a time and place that suits you. You can start using telemedicine through the Digital Clinic, MyDoc or any other telemedicine provider of your choice.

2. Choose a medical service provider to partner with

If you need to see a physical doctor or if your telemedicine doctor does not offer the service you need then keep the following in mind when going to the doctor:

  • be sure to mention that your health insurance provider is ERGO
  • you do not have to pay for treatment services if the provider is a partner (only the amount that exceeds the coverage rate is due for payment)
  • bring an identity document

Partnering doctors can be found HERE!

3. If you are unable to find a suitable healthcare provider

If none of the partnering doctors offer the service you want, contact a doctor of your choice. In this case, proceed as follows:

  • pay the treatment bill yourself initially
  • fill in a damage claim to recover the costs incurred HERE!
  • ERGO will reimburse costs according to terms and coverage rates

4. Important contacts

If you have suffered an accident and would like to seek advice, please write to ravi@ergo.ee or visit the ERGO website.
If you have any questions about the insurance product or the Stebby platform, please write us at info@stebby.eu.

Health insurance purchase conditions

  1. The minimum period of insurance is one year (12 months).
  2. The User will be required to pay all or part of the health insurance installments through the employer’s compensation assigned to the User via the Stebby platform. Payment solely from the User’s personal funds is not allowed.

    3. a) Stebby reserves the right not to enforce the contract purchased under any other conditions and to return the funds to the User’s Stebby account.

    b) Stebby shall not be liable for any loss or damage incurred or likely to be incurred by the User in the event of non-compliance with the rules referred to in point 2.

  3. Payment for the insurance shall be made on the basis of an advance payment.

    4. a) The insurance cover starts on the first day of the month and ends on the last day of the month.

    b) If the purchase is made between the 1st and the 25th day of the month, the insurance shall take effect from the first day of the month following the purchase. If the purchase is made between the 26th and the last day of the month, the insurance takes effect from the first day of the month following the month of purchase.

    c)The purchase may be withdrawn from before the insurance takes effect but not later than the 25th day of the month of purchase.

  4. Stebby will inform the user by e-mail if the user does not have sufficient funds on their Stebby account on the due date. The insurance contract will be terminated if sufficient funds are not added by the additional deadline given by Stebby.
  5. By purchasing insurance, the User confirms that he/she understands and agrees to these Terms and Conditions of Purchase.