Frequently Asked Questions

The following types of medical insurance are available in Georgia:

• Individual medical insurance — policies for residents and foreigners with full coverage (outpatient, inpatient treatment, dental, maternity, etc.). Examples: GPI Exclusive, GPI Medi Policy, Unison Medical, ARDI Vitamins, UNO Active/Comfort/Select.

• Student insurance — special rates for students with basic coverage. Examples: GPI Flex Policy (from 22 GEL/mo), Unison Student (130 GEL/6 months).

• Mandatory tourist insurance — required for all foreign tourists entering Georgia (from January 1, 2026). Cost: 2 GEL/day.

The main insurance companies offering medical insurance:

• GPI Holding (Vienna Insurance Group) — Georgia's largest insurer. Policies: GPI Exclusive (Premium/Classic/Standard), GPI Medi Policy (5 levels: Basic/Optimal/Standard/Classic/Premium), GPI Flex Policy.

• Unison Insurance Company — 5 individual packages (Uni+ ... Unique, from 35 to 125 GEL/mo), student and tourist insurance.

• ARDI Insurance — Vitamins program with 5 levels (A–E), 10 plans for different budgets (from 900 to 1,980 GEL/year). ARDIMEDI partner network across Georgia.

• Imedi L — UNO Active, UNO Comfort, UNO Select policies (from 45 to 90 GEL/mo).

• IRAO — Pulse program with 8 plans (A/B/C/D and «+» versions, from 65 GEL/mo). Partner network: Curatio, Raymann clinics and Aversi pharmacies. Tourist insurance from 2 GEL/day, 30,000 GEL aggregate limit.

A co-payment is the portion of a medical service cost that the insured pays out of pocket. For example, under GPI Exclusive Premium, the co-payment for hospitalization at a base clinic is 0% (insurer covers 100%), while for outpatient services at non-contracted clinics it is 50%. Under Unison Uni+, the co-payment for planned outpatient treatment is 40% (60% coverage). The co-payment amount depends on the policy level and type of medical facility.

A limit is the maximum reimbursement amount for a specific service under the policy. For example, under GPI Exclusive Premium, the limit for accident hospitalization is 25,000 GEL, for dental care — 2,000 GEL. Under Unison Unique — emergency hospitalization up to 25,000 GEL, planned up to 15,000 GEL. Under ARDI Vitamins — policy limit from 20,000 to 50,000 GEL depending on the plan. Tourist policies usually have a total limit of 30,000–100,000 GEL.

These are the two main approaches to receiving medical services:

• Guided Scheme (Family Doctor) — medical care through a family doctor at a specific clinic. The doctor keeps your records and issues referrals to specialists. Policy price is lower. Used in GPI Exclusive, GPI Medi Policy, ARDI Vitamins (Family Doctor).

• Free Choice — you can visit any contracted clinic without a referral. Policy price is higher. Available in ARDI Vitamins (Free Choice), partially in Unison.

In ARDI Vitamins, the difference between Family Doctor and Free Choice plans is 10–15 GEL/mo.

Yes, most insurance companies offer a family package:

• GPI Holding — family package for spouses up to 60 years old and children up to 21. One policy for the whole family, shared limit. Premium is calculated individually with a discount.

• Unison — family package for spouses up to 65 years old and children from 1 to 21 years. All family members on one package, coverage starts from the same date.

• ARDI Vitamins — family rates available, insurance for persons up to 70 years old (plans for 70+ also available).

The state ambulance in Georgia is reached by dialing 112 and is free for everyone — citizens and foreigners, with or without insurance. No insurance is needed to call 112.

For insured persons over 70, all insurance companies and all policies cover only emergency medical care. Planned services (planned hospitalization, planned outpatient care, etc.) are not covered for this age group.

This is a key distinction that applies to all insurance companies and all policies.

Emergency (unplanned) care — a situation where a person needs urgent medical attention right now and cannot wait. Example: acute appendicitis, heart attack, serious injury. Such care is covered by insurance immediately, regardless of the waiting period.

Planned care — a surgical procedure or procedure prescribed by a doctor in advance that can be postponed without risk to life. Example: planned knee surgery for chronic pain. Covered according to the specific policy terms (usually after a waiting period).

The same principle applies in dentistry:

• Acute pain → nerve removal, pain relief, tooth extraction — emergency care, covered by insurance.

• Fillings, prosthetics, orthodontics after acute pain relief — planned care, covered within policy limits.

Who decides? Usually the family doctor or therapist. If a person is admitted to hospital on an emergency basis, the care is automatically considered unplanned.

The most affordable individual policies (price per month):

• GPI Flex Policy (student) — from 22 GEL/mo

• GPI Medi Policy Basic — from 25 GEL/mo

• Unison Uni+ — 35 GEL/mo

• GPI Medi Policy Optimal — 35 GEL/mo

• GPI Medi Policy Standard — 39 GEL/mo

• Unison Uni++ — 45 GEL/mo

• UNO Active Basic — 45 GEL/mo

• Unison Uni+++ — 61 GEL/mo

• GPI Exclusive Standard — 72 GEL/mo

• ARDI Vitamins A (Family Doctor) — from 75 GEL/mo (900 GEL/year)

Maternity coverage with a 12-month waiting period:

• GPI Exclusive Premium — childbirth up to 20,000 GEL (waiting period 25 months).

• GPI Exclusive Classic — childbirth up to 15,000 GEL (waiting period 25 months).

• GPI Medi Policy Premium — maternity, limit 700–900 GEL.

• Unison Unique — pregnancy/childbirth 100% coverage, limit 1,500 GEL (waiting period 12 months).

• Unison Uni++++ — 100% coverage, limit 1,300 GEL.

• Unison Uni+++ — 100% coverage, limit 1,000 GEL.

• Unison Uni++ — 100% coverage, limit 700 GEL.

• Unison Uni+ — 100% coverage, limit 500 GEL.

• ARDI Vitamins — pregnancy and childbirth covered (waiting period 12 months), including monitoring, natural delivery and caesarean section.

Important: all companies have a waiting period of 12–25 months for maternity. Plan your insurance purchase in advance!

Oncology coverage by company:

• Unison Unique — 100% coverage, limit 15,000 GEL (waiting period 12 months).

• Unison Uni++++ — 100% coverage, limit 10,000 GEL.

• Unison Uni+++ — 100% coverage, limit 9,000 GEL.

• GPI Exclusive — covered within hospitalization. Second medical opinion for oncology is free.

• ARDI Vitamins — covered within emergency/planned hospitalization.

Important: all companies have a 12-month waiting period for oncology for new insured persons.

Age restrictions:

• GPI Holding (Exclusive, Medi) — from 1 to 60 years. For persons over 60 — additional charge of 120 GEL/year.

• Unison — from 1 to 65 years. Family package: spouses up to 65, children from 1 to 21 years.

• ARDI Vitamins — up to 70 years (main plans A–E). For persons 70+ — special plans Aa, Bb, Cc at higher cost.

• Imedi L (UNO) — standard age restrictions.

These are two different GPI Holding products:

• GPI Exclusive — premium product with 3 levels (Standard from 72 GEL/mo, Classic from 83 GEL/mo, Premium from 106 GEL/mo). Maximum limits, minimum co-payments, broad coverage including second medical opinion.

• GPI Medi Policy — a more affordable product with 5 levels (Basic from 25 GEL/mo to Premium). Lower limits, but significantly cheaper. Suitable for those who need basic protection.

Key differences GPI Exclusive Premium vs Medi Policy Premium:

• Accident hospitalization: 25,000 vs ~15,000 GEL

• Planned hospitalization: 20,000 vs 5,000 GEL

• Medications: 80%, 2,000 GEL vs 60%, 2,000 GEL

• Cash Benefit: 100 GEL/day (10 days) vs 70 GEL/day

GPI Exclusive policies (Premium/Classic/Standard) include:

• Telemedicine 24/7 — unlimited.

• Annual check-up (including dental) — once a year.

• Emergency medical care and ambulance — 100% coverage.

• Emergency hospitalization — 100%, limit 20,000–25,000 GEL.

• Planned hospitalization — 70–100%, limit 12,000–20,000 GEL (waiting period 12 months).

• Personal doctor — unlimited.

• Outpatient services — 70–90% coverage.

• Dental — emergency 100% (1,000 GEL), planned 50–80% (1,500–2,000 GEL).

• Orthodontics/orthopedics — 10–30% coverage, unlimited.

• Maternity — 12,000–20,000 GEL (waiting period 25 months).

• Cash Benefit — 70–100 GEL/day, up to 10 days.

• Online consultation with world-class specialist — free.

• Second medical opinion — for oncology diagnosis, free.

• Medications — 60–80%, limit 1,500–2,000 GEL (PSP, Aversi, Pharmadepo pharmacies).

GPI Medi Policy — 5 levels (Basic, Optimal, Standard, Classic, Premium):

• Telemedicine 24/7 — unlimited at all levels.

• Personal doctor — unlimited.

• Preventive check-up (including dental) — once a year.

• Emergency care and ambulance — 100% (5–10 calls).

• Emergency hospitalization — 50–100%, limit 2,500–20,000 GEL.

• Planned hospitalization — 80–100% (waiting period 12 months).

• Hospitalization at provider clinic — 10–40% co-payment.

• Outpatient services — 25–90% coverage.

• Emergency dental — 100%, limit 1,000 GEL.

• Planned dental — 50–80%, limit 1,500–2,000 GEL.

• Medications — 25–60%, limit 800–2,000 GEL.

• 50% discount at David Tatishvili Medical Center (Batumi) unlimited.

• Cost: Basic from 25 GEL/mo, Premium — highest level.

Waiting periods for GPI Exclusive and Medi Policy:

• From month 13 — planned hospitalization, day hospital, planned outpatient procedures.

• From month 25 — diagnostic coronary angiography, pregnancy and childbirth.

• From month 50 — additional hospitalization services (limit 500 GEL).

• From month 65 — endoprostheses (limit 2,000–3,000 GEL).

• From month 72 — surgical treatment of congenital diseases.

Note: the cost of implants is reimbursed in accordance with day hospital or hospitalization coverage.

GPI base clinics:

• Tbilisi — Curatio clinic (31 Otar Lortkipanidze St). Personal doctor, specialist referrals.

• Batumi — 50% discount at David Tatishvili Medical Center, unlimited.

Contracted clinics: full list on the insurer's website.

Insurance premiums depend on the base clinic:

• Ingorokva Clinic — from 300 to 900 GEL/year

• Rustavi Clinic, Hightech, Medison — from 300 to 1,020 GEL/year

• Curatio, Georgian American Clinic — from 384 to 1,080 GEL/year

• Reimani — from 492 to 1,200 GEL/year

Provider pharmacies: PSP, Aversi, Pharmadepo — doctor's prescription, co-payment waiver.

The procedure depends on the type of service:

• Emergency care — go to any licensed clinic. Show your policy and ID.

• Outpatient treatment — visit your personal doctor at the base clinic. The doctor will issue specialist referrals.

• Planned hospitalization — obtain a guarantee letter from the insurer at least 5 business days in advance.

• Dental care — visit a contracted dental clinic.

• Medications — prescription from personal doctor → PSP, Aversi, Pharmadepo pharmacies.

Important: without a referral from your personal doctor, the insurer will NOT reimburse planned outpatient services!

If you visit a non-contracted clinic — pay in full, then submit a reimbursement claim within 30 days.

GPI insurance becomes effective 14 days after signing the contract (unless another start date is specified). Emergency care is available immediately.

Waiting periods (from activation date):

• Planned dental — 3 months

• Pregnancy and childbirth — 25 months (GPI Exclusive), 24 months (GPI Medi Policy)

• Planned outpatient and hospitalization — no waiting period, available immediately (GPI Exclusive Premium/Classic)

GPI policy payment is possible in several ways:

• Georgian bank card — preferred option

• Mobile banking using the policy number — convenient for online payment

• Some foreign cards (Visa/Mastercard) are accepted, but this depends on the issuing bank

For reliability, it is recommended to open a Georgian bank account (Bank of Georgia, TBC Bank) — payments and reimbursements work smoothly.

Yes. You can change your assigned family doctor or base clinic up to 2 times a year.

How to register with a family doctor:

• Tbilisi — call the GPI hotline or contact the base clinic directly (Curatio, New Clinic, GPMC, etc.)

• Batumi — hotline: 0322 505 111 (David Tatishvili Medical Center)

The MyGPI app is also available: book appointments, view treatment history, get referrals online.

Most GPI base clinics (Curatio, GPMC, New Clinic, etc.) have Russian-speaking staff. English-speaking doctors are also available at major clinics, particularly in Tbilisi.

The GPI hotline also provides service in Russian.

Yes, a GPI policy can be cancelled early, but with financial consequences:

• Early termination penalty — 70% of the remaining insurance premium

• If service usage exceeded the paid amount — the insurer will invoice the difference

Recommendation: consider carefully before purchasing. If you are moving or have other circumstances — it is better to wait until the policy expires.

Free annual check-up. Contents depend on age and gender:

For women:

• 1–15 years: complete blood count, urinalysis, echosonography

• 15–29 years: + cholesterol, PAP smear

• 30–49 years: + mammography, ECG, oncologist

• 50–60 years: + blood sugar, stool occult blood test

For men:

• 1–15 years: complete blood count, urinalysis

• 15–29 years: + cholesterol

• 30–49 years: + ECG, echosonography

• 50–60 years: + sigmoidoscopy, PSA, urologist, oncologist, blood sugar

No. COVID-19 is included in the official exclusions list for all GPI Holding policies (Medi Policy, Exclusive). Treatment of coronavirus infection, related tests and COVID-19 hospitalization are not reimbursed. GPI provides an informational COVID portal for remote symptom monitoring, but this is not insurance coverage.

This is a unique feature of GPI Holding policies: at Curatio clinic (GPI's main provider clinic), the insurer covers diagnostic tests even for conditions that are generally on the policy exclusions list.

Which excluded diagnoses are covered at Curatio:

• Congenital and genetic diseases

• HIV, AIDS, hepatitis

• Diabetes mellitus and insipidus

• Oncological diseases (including benign), pre-existing before insurance

• Sexual disorders

• Mental illnesses

• Sexually transmitted diseases

• Epilepsy

Important: this refers specifically to tests and diagnostics at Curatio clinic, not full treatment of these conditions. Address: 31 Otar Lortkipanidze St, Tbilisi.

Mediguide International is an exclusive service for GPI Holding insured persons, providing a second medical opinion from leading world-class specialists.

How it works:

1. For a serious diagnosis (especially oncology), the patient contacts Mediguide through Curatio clinic.

2. Mediguide analyzes the medical history and selects leading international specialists or clinics (in more than 150 countries worldwide).

3. Within 10 business days, Mediguide provides a report with an alternative treatment plan.

For oncology, the service includes: diagnosis clarification, optimal treatment selection, preparation of medical recommendations.

Website: mediguide.com/ge/gpih. Georgia representative — Curatio clinic.

Full list of exclusions for GPI Holding policies (Medi Policy, Exclusive):

Circumstances:

• Self-harm and suicide attempts

• Participation in criminal or unlawful activities

• Active military service

• Insurance event while incarcerated

• Alcohol, drug or toxic intoxication (including DUI accidents)

• Professional sports (amateur sports are covered)

• Hospital cases that began before the policy took effect

• Palliative care

Conditions:

• Congenital and genetic diseases and abnormalities

• COVID-19

• Sexual disorders

• Oncological diseases (including benign), pre-existing before insurance

• HIV, AIDS, hepatitis (all forms and stages)

• Diabetes mellitus and insipidus

• Sexually transmitted diseases; genitourinary diseases caused by microorganisms

• Epilepsy

• Reproductive dysfunction

• Childbirth (covered after waiting period — from month 25 for Exclusive)

• Termination of pregnancy (except cases caused by accident)

• Deviated nasal septum

• Nasal sinus hypertrophy

• Cataracts

Services:

• Experimental and alternative medicine

• Medically unnecessary treatment

• Planned vaccinations and immunizations

• Tests for obtaining any certificates

• Sanatorium and spa treatment

• Therapeutic exercise, medical massage, physiotherapy

• Cosmetic and plastic surgery

• Weight correction

• Vision correction (including laser)

• Exo-prosthetics of any kind

• Organ and tissue transplantation

• Dialysis

• Genetic testing and amniotic fluid diagnostics

• In vitro fertilization (IVF)

• Sterilization and contraception

• Psychotherapist, psychoanalyst, speech therapist services

• Radiation therapy, chemotherapy

• Implantation of neurostimulators, defibrillators, pacemakers

• Surgical treatment of severe spinal deformities (kyphosis, lordosis, scoliosis)

• Catheter ablation of cardiac arrhythmias

Non-covered medications:

• Unregistered drugs and dietary supplements

• Vitamins, homeopathic remedies

• Hygiene and personal care products

• Wound dressings

• Immunomodulators

• Psychotropic drugs

• Implants, prosthetics, glasses, lenses, hearing aids, endoprostheses

Note: at Curatio clinic, diagnostic tests for certain excluded conditions are still covered (see 'Curatio without exclusions').

Unison offers 5 individual packages (age 1–65):

• Uni+ — 35 GEL/mo. Basic coverage: ambulance 60%, emergency hospitalization 100% (up to 5,000), planned outpatient 40% (1,000), medications 35–45% (1,200), planned dental 50% (500), maternity 100% (500).

• Uni++ — 45 GEL/mo. Improved coverage: ambulance 80%, emergency hospitalization 100% (10,000), planned 90%, outpatient 50% (1,500), medications 45–55%, dental 60% (1,000), maternity 100% (700).

• Uni+++ — 61 GEL/mo. Extended coverage: ambulance 100%, emergency hospitalization 100% (18,000), cardio/onco 100% (9,000), outpatient 60% (2,000), medications 60–70%, dental 80% (1,500), maternity 100% (1,000).

• Uni++++ — 85 GEL/mo. Maximum coverage: emergency hospitalization 100% (20,000), cardio/onco 100% (10,000), outpatient 70% (2,800), medications 70–80%, dental 80% (2,000), maternity 100% (1,300).

• Unique — 125 GEL/mo. Full package: emergency hospitalization 100% (25,000), all hospitalization types 100% (15,000), outpatient 90% (3,500), medications 80–90% (3,500), dental 90% (3,500), maternity 100% (1,500).

All Unison packages include:

• 24/7 support — telemedicine.

• Family/personal doctor — health monitoring, medical questionnaire, referrals.

• Preventive check-up — 1–3 times a year (depends on package).

• Home doctor visits — 1–2 times a year (Uni+), unlimited (Unique).

• Home nursing / care services.

• Emergency medical ambulance — 60–100%.

• Urgent outpatient care — 100%.

• Immunization and vaccination — 100%.

• Planned outpatient treatment — 40–90%.

• Medications — 35–90% (by prescription from family doctor or specialist).

• Emergency and planned hospitalization.

• Cardiac surgery and oncology (Uni+++ and above) — 80–100%.

• Day hospital — 80–90%.

• Pregnancy/childbirth — 100% coverage (waiting period 12 months).

• Dental — emergency 100%, planned 50–90%.

Unison provides discounts on additional services:

• Excimer laser vision correction — 10–25% (Chichua Medical Center).

• Bariatric treatment — 20% (Chichua Medical Center).

• Physiotherapy / therapeutic massage — 40% (at provider clinics).

• Orthopedic/orthodontic dentistry and implants — 10–50%.

These discounts are available in all packages (Uni+ — Unique) with no amount limit.

Unison waiting periods (12 months for new insured persons):

• 12 months — planned hospitalization, deferred emergency services.

• 12 months — cardiology/cardiac surgery.

• 12 months — oncology.

• 12 months — pregnancy and childbirth.

• 12 months — day hospital/same-day hospital.

The waiting period also applies to persons whose last continuous insurance period lasted 1 month or more (when switching from another insurer).

Preventive tests (by referral from family doctor, once a year):

• Specialist consultation

• Complete blood count

• Urinalysis

• Blood glucose level

• Blood creatinine level

• Ultrasound of one organ system

• ECG (electrocardiogram)

• Blood prothrombin level

• TSH hormone (thyroid)

ARDI Vitamins — 10 plans for persons up to 70 years old (plus 3 plans for 70+):

Plans up to 70 years (two options — Family Doctor / Free Choice):

• Vitamin A — 900 / 1,020 GEL/year (~75 / 85 GEL/mo)

• Vitamin B — 1,020 / 1,140 GEL/year (~85 / 95 GEL/mo)

• Vitamin C — 1,260 / 1,380 GEL/year (~105 / 115 GEL/mo)

• Vitamin D — 1,500 / 1,668 GEL/year (~125 / 139 GEL/mo)

• Vitamin E — 1,668 / 1,980 GEL/year (~139 / 165 GEL/mo)

Plans 70+ (Family Doctor / Free Choice):

• Vitamin Aa — 1,020 / 1,140 GEL/year

• Vitamin Bb — 1,140 / 1,260 GEL/year

• Vitamin Cc — 1,428 / 1,548 GEL/year

Family Doctor = managed scheme through ARDIMEDI. Free Choice = free clinic selection.

All ARDI Vitamins plans include:

• 24/7 support.

• Family Doctor — at ARDIMEDI network clinics.

• Home doctor visit — for acute/emergency cases (Tbilisi, Batumi).

• Home care — up to 2 weeks after surgery.

• Accident hospitalization.

• Emergency and planned hospitalization for illness.

• Planned hospitalization (waiting period 12 months).

• Pregnancy monitoring and childbirth (waiting period 12 months) — including genetic tests, amniotic fluid, caesarean section.

• Emergency ambulance — any licensed service in Georgia.

• Emergency outpatient care (including injuries, hypertensive crisis, arrhythmias, burns).

• Electronic insurance card.

Important: the gap between policies must not exceed 14 calendar days to maintain continuous coverage.

The ARDIMEDI network includes clinics across Georgia:

Tbilisi: major hospitals — EVEX, American Hospital, Todua Clinic, New Vision, National Centre for Surgery, Republican Hospital. Laboratories — Synevo Georgia, Neolab, Mega-lab.

Batumi: MedCenter Batumi, Batumi Republican Hospital and others.

Kutaisi, Rustavi, Gori, Zugdidi and other cities — clinics across the country.

Pharmacies: PSP, Aversi, Impexifarm — prescription medications on insurance.

Dental: dental clinics in all major cities in Georgia.

Treatment abroad (Turkey): Anadolu Medical Center, Acibadem, KOC University Hospital.

ARDI insurance activates 3 days after the policy is issued.

ARDI has the following waiting periods:

• 3 months — planned dental

• 6 months — planned outpatient care and medications

• 12 months — planned hospitalization, pregnancy and childbirth

Emergency care is covered immediately, with no waiting period.

These are two approaches to receiving medical care:

• Family Doctor — treatment through an ARDI family doctor at ARDIMEDI network clinics. Policy price is lower.

• Free Choice — free choice of clinic without ARDIMEDI network restrictions. Price is higher (~10–15 GEL/mo).

Important: reimbursement of expenses (if you visited a clinic without a referral) is only possible with Free Choice policies. Family Doctor policies do not provide reimbursement.

Dental: the Free Choice option for dental is not available in any ARDI policy.

No prior clinic registration is required.

Family doctor:

• Book via the ARDI hotline, website or ARDI mobile app.

• You can book with any ARDI family doctor — you are not tied to one doctor. The main condition is that the doctor must be from the ARDI network.

Specialist:

• Appointments are made directly at the clinic (not through the ARDI hotline).

• A referral from a family doctor is required for insurance coverage. Referrals can be obtained online through the ARDI app.

For the insurer to pay your share directly at the clinic:

• You need a referral from an ARDI family doctor.

• The referral can be obtained online through the ARDI app.

If you come without a referral:

• You pay the full cost of the service on-site.

• Within 30 days, you submit a reimbursement claim: receipts, invoice and Form 100.

• If the diagnosis is covered under the policy, the insurer will reimburse the amount minus your co-payment share.

• Reimbursement is only available with Free Choice policies.

Dental: reimbursement for dental expenses at third-party clinics is not available under any ARDI policy.

The private ambulance is called through the ARDI hotline.

Important: the private ambulance operates only in Tbilisi. In Batumi and other Georgian cities, the private ambulance service is not available.

In any city in Georgia, you can call the state ambulance by dialing 112 — free, without insurance, for everyone (citizens and foreigners).

ARDIMEDI network doctors primarily speak Georgian and English. Some doctors also speak Russian, but this is not guaranteed. If you need a specific language — please specify when booking.

Some foreign cards are accepted, some are not. It depends on the bank and card type.

For receiving reimbursement (compensation for treatment), a Georgian bank account is required — payments are made only to accounts at Georgian banks.

Yes, the contract can be terminated before the end of the year. Conditions depend on policy usage:

• If you used the insurance and the amount of services used exceeds the premiums paid — you need to pay the difference to the end of the policy term.

• If you did not use the insurance (or usage is less than paid) — the unused amount is returned to your Georgian bank account.

There are no penalties for early termination. A Georgian bank account is a mandatory requirement for receiving a refund.

Yes, all ARDI policies allow insuring a child from birth (age 0). The main requirement is a birth certificate.

ARDI offers discounts at 92+ partner dental clinics across Georgia. Discount amounts: orthopedics and orthodontics — 5% to 50%, implants — 10% to 50% (tiered at some clinics: 10% for the first 4 implants, 20% for 4 or more). Check the clinic list with your manager.

Yes. Pediatric emergency services are available in the ARDI network: Kidswell and Globalmed Baby Express. Call through the ARDI hotline.

Yes, some policies provide for treatment at partner foreign clinics. In Turkey, the following are available: Anadolu Medical Center, Acibadem and KOC University Hospital. The referral is arranged through ARDI in advance.

A waiting period is the time from the start of insurance during which certain services are not covered. It is counted from the start date of the initial policy. Emergency care and hospitalization due to accidents are covered immediately, with no waiting period. Waiting periods apply to planned services (hospitalization, childbirth, oncology, etc.).

Planned hospitalization:

• GPI — from month 13

• Unison — 12 months

• ARDI — 12 months

Pregnancy and childbirth:

• GPI Exclusive — from month 25

• Unison — 12 months

• ARDI — 12 months

Cardiac surgery:

• GPI — from month 13 (within planned hospitalization)

• Unison — 12 months

Oncology:

• GPI — from month 13

• Unison — 12 months

Congenital diseases:

• GPI — from month 72 (6 years!)

• Unison — not specified separately

Yes, from January 1, 2026, medical insurance is mandatory for all foreign tourists entering Georgia. This is established by Georgian Government Resolution No. 602 of December 26, 2025.

The mandatory tourist insurance costs 2 GEL per day. This is a one-time payment upon purchase. Minimum period — 7 days (single-entry) or 3 days (multi-policy). Maximum — 365 days. The policy takes effect from the moment of border crossing. Available insurers: GPI Tourist Policy, Unison, ARDI Welcomer, Imedi L.

Tourist insurance covers:

• Emergency outpatient care — up to 10,000 GEL.

• Emergency hospitalization — up to 15,000–20,000 GEL (500–1,000 GEL/day).

• Ambulance — 100%, unlimited.

• Emergency dental — up to 500–5,000 GEL.

• Medical evacuation — up to 2,000–20,000 GEL.

• Repatriation — up to 5,000–20,000 GEL.

• Intensive care — 350–500 GEL/day.

• Total limit — from 30,000 to 100,000 GEL.

Standard exclusions:

• Chronic and pre-existing conditions.

• Oncological diseases.

• Pregnancy and childbirth.

• Injuries from professional sports.

• Self-medication, alternative medicine.

• Alcohol or drug intoxication.

• Intentional self-harm.

• Military actions, terrorism, natural disasters.

• Cosmetic surgery and aesthetic dentistry.

• STDs, HIV/AIDS.

Steps to take in case of an insured event:

1. Immediately call your insurance company's hotline (number is on the policy). Lines are available 24/7.

2. Provide: policy number, full name, address, phone number, description of the problem.

3. For emergency hospitalization — go to the nearest clinic, show your policy.

4. Keep all medical documents, receipts and invoices.

5. Submit a reimbursement claim within 10–30 days.

Important: if you seek care without notifying the insurer, expenses may not be reimbursed.

Without a referral from your personal/family doctor, the insurer will NOT reimburse expenses for:

• Specialist consultations (cardiologist, endocrinologist, etc.)

• Laboratory tests and investigations

• Diagnostic imaging (ultrasound, MRI, CT, etc.)

• Outpatient procedures

Correct procedure:

1. Book an appointment with your family doctor (GPI: Curatio; ARDI: ARDIMEDI; Unison: chosen clinic).

2. The doctor will issue a referral and guarantee letter.

3. At the contracted clinic, show your policy and ID.

4. Pay only the co-payment (10–50% depending on the policy).

Exception: emergency care — you can go to any clinic without a referral.

If you go to a non-contracted clinic, you pay in full, then submit a reimbursement claim within 30 days. Documents: policy, ID, Form No. 100 (GPI), medical records, receipts. Reimbursement will be minus the co-payment, and the reimbursement percentage for non-contracted clinics is usually lower (e.g., 50% instead of 80–100%).

Dental coverage by company:

GPI Exclusive: emergency 100% (1,000 GEL), planned 50–80% (1,500–2,000 GEL), orthodontics 10–30%.

Contracted dental services include: consultation, diagnostics, X-ray, orthopedics.

Unison: emergency 100% (unlimited), planned 50–90% (500–3,500 GEL), orthodontics 10–50%.

ARDI Vitamins: dental included in coverage (depends on plan).

Planned dental includes: consultation, diagnostics, fillings, tooth extractions, tartar and plaque cleaning, surgical treatment.

Emergency dental: acute pain relief, tooth extraction.

Yes, medications are covered by prescription:

GPI: 60–80% coverage, limit 1,500–2,000 GEL/year. PSP, Aversi, Pharmadepo pharmacies — electronic prescription.

Unison: 35–90% coverage (depends on package), limit 1,200–3,500 GEL. Medications on family doctor prescription — higher %, on specialist prescription — lower.

ARDI: medications covered within insurance coverage.

Not covered: unregistered drugs, dietary supplements, homeopathy (25–30% discount at provider pharmacies may be available).

Important: make sure the medication is registered in Georgia.

IRAO Pulse is an individual medical insurance product from Georgian insurer IRAO, offering 8 plan tiers:

• Base plans D/C/B/A (65–135 GEL/mo) — standard coverage.

• Plus plans D+/C+/B+/A+ (75–145 GEL/mo) — extended plans that additionally include case management, free-choice outpatient visits, and discounts on vitamins/supplements.

Key advantages:

• Oncology — 100% covered across all plans.

• Maternity & pregnancy — 100% covered across all plans (12-month waiting period).

• Aversi pharmacy — prescription medications covered at 45–90% depending on the plan.

• Hotline & personal doctor — included in all plans.

Activation periods depend on the type of service:

• Emergency hospitalization — after 3 months.

• Planned hospitalization and day hospital — after 12 months.

• Outpatient treatment for chronic conditions — after 6 months.

• Maternity and oncology — after 12 months.

Emergency care for acute conditions (accidents, acute pain) has no waiting period and is covered from day one.

Main IRAO partner clinics in Tbilisi:

• Curatio (JSC Curacio) — multi-specialty clinic

• Raymann LLC

• Med Investment Vake

• TL Medical Isani

• Davit Tatishvili Medical Center

• S. Khechinashvili University Hospital

Regional partners: High-tech Hospital Medcenter (Batumi), Geohospitals (Kutaisi), Georgian Clinics (Gori, Telavi, Zugdidi) and partners in 30+ Georgian cities.

Pharmacy: Aversi pharmacies across Georgia.

At partner clinics you pay only your co-payment. At non-contracted clinics reimbursement applies at a lower rate.

IRAO Tourist is insurance for foreigners entering Georgia. It meets the mandatory medical insurance law for foreign tourists (in effect from January 1, 2026).

Coverage (30,000 GEL aggregate limit):

• Emergency inpatient care — 100%, unlimited

• Emergency outpatient care — 100%, unlimited

• Ambulance — 100%, unlimited

• Hotline — 100%, unlimited

• Emergency medications — up to 2,000 GEL

• Emergency dental — up to 2,000 GEL

• Medical evacuation — up to 1,000 GEL

• Repatriation — up to 5,000 GEL

Note: persons over 65 years of age have a 50% co-payment on all services.

Price: from 2 GEL/day. Purchase online at irao.ge.