If Health Insurance

Health insurance customer discount

Get up to 15 % discount buying other insurances

Easy to access your insurance

View your insurance information and apply for indemnity using your smartphone.

What expenses can be covered by Health Insurance?

Check your policy to see what's included in your coverage.


	General practitioner and specialist doctor consultations, including remote consultations and home visits. Emergency medical assistance, physician-appointed nursing services, and outpatient surgical procedures. Health tests prescribed by a doctor, as well as high-tech instrumental tests and laboratory tests.
	Preventive health care services related to mandatory examinations recommended by the State Labor Inspectorate. Health checks for vehicle driver's licenses and permits to purchase weapons. Health check-up programs prepared by medical institutions and tests and other tests or medical consultations carried out at your request, aimed at assessing the state of health and timely diagnosing a possible disease.
	Vaccination services in a medical facility or pharmacy, including consultation and vaccines.
	Rehabilitation services prescribed by a doctor and provided in a medical institution: physiotherapy (kinesitherapy, halotherapy, shock wave therapy, electric pulse therapy, magnetotherapy, ultrasound therapy, inhalations, phototherapy, hydrotherapy, pelotherapy), ergotherapy, therapeutic massages and therapeutic exercise.
	Services provided during hospital treatment: examinations and consultations; therapeutic treatment and surgery; medical supplies and drugs prescribed in hospital; comfort services (single or double ward); day surgery and hospitalization services.
	Leg vein surgery (incl. medical care) and sclerotherapy.
	Participation of a doctor or midwife in the reception of childbirth, Caesarean section, and labor pain relief. Private ward for insured mother or insured father-to-be.
	Inpatient rehabilitation, prescribed by a doctor due to illness or injury, which begins no later than 90 days after the end of inpatient treatment.
	Critical illness ambulatory and inpatient health care services, when the disease is diagnosed for the first time in life and during the validity period of the insurance contract. The list and descriptions of critical illnesses are provided in Appendix 1 of the Health Insurance Terms and Conditions.
	Medicines and medical devices prescribed by a doctor. Non-prescription drugs, food supplements, vitamins and medical devices without a doctor presciption. Medicines and medical devices must be registered in the EU register of medical devices.
	Consultations and sessions of a psychologist, psychiatrist, or psychotherapist provided in a medical institution. Nutritionist or dietician consultations provided in a medical facility.
	Dental hygiene and treatment services: consultation, dental hygiene, dental treatment, incl. periodontitis, orthodontic treatment and prosthetics, X-ray, anesthesia, tooth extraction, dental and maxillofacial surgery.
	Services for treatment of teeth damaged or lost due to trauma: consultations, dental treatment, incl. periodontitis, orthodontic treatment and prosthetics, X-ray, anesthesia, tooth extraction, dental and maxillofacial surgery.
	Glasses, spectacle lenses, and contact lenses prescribed by a doctor or optometrist. Glasses production or repair services (when the goods or services are provided in a licensed optician's salon). Vision correction surgeries prescribed by a doctor.
	Health goods and services covered under an insurance clause included in your policy once the amount of that clause has been exhausted. Other health goods and services covered under a clause not included in your policy.
	Rehabilitation services provided at the medical institution: therapeutic exercise and physiotherapy (halotherapy, shock wave therapy, electric pulse therapy, magnetotherapy, ultrasound therapy, inhalations, phototherapy, hydrotherapy, pelotherapy (e.g., Charcot shower)), ergotherapy, and therapeutic massages. Consultations and sessions with a psychologist, psychotherapist, psychiatrist, and nutritionist or dietitian consultations provided in the medical institution. Sports activities organized by sports organizations or licensed sports trainers: training in a sports club, visiting a swimming pool, including water aerobics, squash, tennis, badminton, and table tennis; group or individual lessons indoors, outdoors or remotely: training in the gym, pregnancy exercises, running, cycling, orienteering, walking with poles, skating, skiing training. Participant fees for running, cycling, orienteering, rollerblading, and cross-country skiing competitions. Expenses and fees for instructor services related to leisure activities in alpine or cross-country skiing, snowboarding, ice skating, orienteering, and wall climbing. Cosmetic, plastic, and aesthetic procedures, incl. specialist consultations: facial cleansing, mesotherapy, body scrub, anti-cellulite procedures, various body wrapping and other procedures, plastic surgery, and laser treatment. Also, treatment products for acne, stretch marks, and so on.

Terms and Conditions

Previous edition:

Health Insurance Terms and Conditions THE-20241 (from 2024-07-15 till 2025-04-28)

Frequently asked questions

How to start using If Mobile Baltics app?

Download If Mobile Baltics to your phone from the App Store or Google Play.
To authorize yourself the first time, use your Internet bank or Smart ID.
Create your If Mobile Baltics security code.
The app is ready to use! Check your Health insurance information and don’t forget to activate your insurance health card.

More information about the app: www.if.lt/if-mobile

How to apply for indemnity?

To receive compensation for paid services:

1. Log in to Mano If self-service or the If Mobile Baltics app.

2. Submit a claim for expenses.

3. Attach scans or photocopies of documents proving the medical expenses:

receipt or bank payment order containing the following information:
- bank details of the service provider institution (name, registration number, address);
- data of the insured person (name, surname);
- payment date.
A VAT invoice containing the following information:
- details of the service provider's institution;
- data of the service recipient (name, surname);
- name, quantity, price, and date of provision of the provided service.

If the receipt does not contain the above information, then an accounting receipt is required indicating the missing information.

4. Also upload a copy of the medical document confirming the need for the service:

Relating to examinations and tests - a doctor's referral, an extract from the medical records.
Outpatient rehabilitation medical services - a doctor's referral prescribed no earlier than 6 months ago.
For expenses under the coverage "Medical supplies and services" - a doctor's prescription, unless otherwise stated in the insurance policy.
For expenses under the coverage "Optics" - a doctor's prescription.

How to coordinate a planned inpatient treatment?

If you need inpatient treatment and are using our partner services, you do not need to take any additional steps. We will coordinate the service with our partners directly.

If you use non-partner services or want to check what will be covered by planned inpatient treatment services, please follow these steps:

Request a statement from your doctor, that would indicate the date of the planned operation, diagnosis, and planned services (service code, name, and price).
Scan or take a photo of these documents and email them to us at sveikata.zalos@if.lt.
We will reply to your provided e-mail within 3 working days.