Submitting a claim is quick and easy
To receive a consultation regarding the submission of your claim, please call +371 67080440 and we will assist you.
E-mail for communication: veseliba@ban.lv.
Where and how to use the policy
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[1]Verify whether your health insurance policy covers the specific services you need. You can do so by reviewing your policy terms or by contacting AAS “Baltijas Apdrošināšanas Nams” at 67080440.
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[2]You may choose any certified medical institution within the Republic of Latvia that offers the required service.
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[3]Inquire at the medical institution if the service is available at the state-regulated patient co-payment level. (at state-regulated prices)*.
If the service is not available as a state-funded co-payment, please check the price of the paid service. -
[04]Receive the required service and make payment at the medical institution:
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[4.1]By presenting the health insurance card
Direct settlement is possible only at partner institutions of AAS “Baltijas Apdrošināšanas Nams”. The list of partner medical institutions is available at www.ban.lv.
Please note: receiving services at our partner institutions is faster, simpler, and more convenient for you! -
[4.2]By paying with personal funds
Submit your claim to the Insurer along with the payment receipts and supporting medical documentation. Your reimbursement will be paid via bank transfer to your specified bank account.
*Remember!
By opting services at the level of the patient co-payment (at state-set prices), you use your policy limit efficiently. This helps maintain a lower policy price for your next insurance period.
By opting services at the level of the patient co-payment (at state-set prices), you use your policy limit efficiently. This helps maintain a lower policy price for your next insurance period.
List of partner medical institutions
To receive a service at our partner medical institution, you must present:
- A health insurance card;
- An identity document – passport or ID card;
- A doctor’s referral – this is mandatory for all medical examinations and tests. List of partner medical institutions.
List of partner medical institutions
(The list is subject to change and may be updated periodically)
* The list of partner organizations published here may differ from the list included in your insurance policy. In such cases, the list applicable to your specific insurance policy shall prevail. Regarding the receipt of services at medical institutions, the terms and conditions set out in your insurance policy shall prevail.
Claim reimbursement procedure
To receive insurance indemnity for services paid with your own funds or received at a non-partner institution:
- Complete the application form;
- Attach an electronic cash register receipt or strict-accountability receipt(s) containing the following information:
- Service provider's details (name, registration number, address);
- First name, surname, and personal ID number;
- An itemized list of services, including quantity, price, and the date of service.
- Attach medical documentation substantiating the claim:
- For outpatient or inpatient services (including rehabilitation): an extract from your medical record, a physician’s order, or a referral;
- For laboratory tests: a referral from the attending physician. A referral is not required when submitting a receipt for tests funded by the National Health Service (NVD);
- For the purchase of medicines and optical products: a copy of the prescription;
- For dentistry: an extract from the medical record specifying the diagnosis, procedures performed and an itemization of materials used;
- For a sports subscriptions: a copy of the subscription or a copy of attendance card showing the record of visits.
After sending the application:
- Our specialists will review your submitted application. If any additional documents are required, we will notify you;
- A decision will be made within the timeframe specified in your program description, once all necessary documents have been received;
- The indemnity payment is processed.
What to do if you have lost your health insurance card?
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Complete the form below or write an application in free-form format, providing the information requested in the form;
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Send the application to office@ban.lv with the e-mail subject line “Card duplicate”;
Requesting a certificate for submission to the State Revenue Service (VID)
Send a free-form request to veseliba@ban.lv, providing your personal ID number, health insurance card number, and the insurance period for which a certificate is required for submission to the State Revenue Service to claim a tax refund.