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Are you actually insured, and what happens in the gap
Are you actually insured, and what happens in the gap: this guide has a section for each basis of cover — employee, board member, self-employed, registered…
This launch guide maps the topic, the source base and the practical questions. Check the linked official authority before acting on a rule, deadline, price or safety requirement.
What this guide covers
This guide has a section for each basis of cover — employee, board member, self-employed, registered unemployed, spouse of an insured person, pensioner, child, student, parent on leave, voluntary insurance — each stating what starts the cover, what ends it, and how many days of grace there are after a job ends. Then the page people arrive at in a panic: "You are not insured right now: what you still get, what a GP visit costs, and the fastest legal route back in".
Every country in the region has a five-figure uninsured population and no plain-language page for them.
How to use it
Use Are you actually insured, and what happens in the gap as a map of the process: identify the situation, check which country or authority owns the rule, and confirm the current version before a deadline or application.
The page keeps the main question, its evidence base and its limits together in one canonical place. That makes it useful as a quick orientation and avoids splitting a broad subject into shallow pages before each narrower answer has enough verified material of its own.
Search vocabulary in four languages
Terminology changes across borders. These are example phrases people use for the same subject in Estonian, Finnish, Russian and English; they are included as a practical vocabulary aid, not as hidden keywords.
| Language | Example phrase |
|---|---|
| Estonian | ravikindlustus lõppeb millal pärast töölt lahkumist |
| Finnish | sairausvakuutus kuka on oikeutettu Suomessa |
| Russian | медицинская страховка Эстония кто имеет право |
| English | am I still insured after quitting my job Estonia |
Evidence and provenance
The evidence map below records the primary, official or openly licensed material chosen for this guide. It is deliberately visible so a reader can tell the difference between a rule published by an authority, a measured dataset and an editorial explanation.
Source: Riigi Teataja (Ravikindlustuse seadus) and Tervisekassa insured-status rules; Finlex (Sairausvakuutuslaki) and Kela; NVD (LV); VLK (LT). · checked 2026-09-09
Source names are preserved even where an authority changes its web address. No figure is added to this launch page unless it is already present in the cited source description or can be computed from a named dataset.
Scope and boundaries
/newcomers is the arrival guide for people who have just moved; this is the entitlement test for everyone, including lifelong residents.
Connected TempoLife guides
The following paths are the intentional hand-offs named in the brief. They keep adjacent subjects separate while making the next useful reference easy to find.
Why it belongs on TempoLife
/newcomers and /doctors.
Frequently asked questions
What does this guide cover?
This guide has a section for each basis of cover — employee, board member, self-employed, registered unemployed, spouse of an insured person, pensioner, child, student, parent on leave, voluntary insurance — each stating what starts the cover, what ends it, and how many days of grace there are after a job ends. Then the page people arrive at in a panic: "You are not insured right now: what you still get, what a GP visit costs, and the fastest legal route back in". Every country in the region has a five-figure…
What evidence does it use?
Riigi Teataja (Ravikindlustuse seadus) and Tervisekassa insured-status rules; Finlex (Sairausvakuutuslaki) and Kela; NVD (LV); VLK (LT).
Where does this guide stop?
/newcomers is the arrival guide for people who have just moved; this is the entitlement test for everyone, including lifelong residents.
Turn the reference into a routine
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