# In the media: patient insurance webinar before entry into force

URL: https://insurancelawestonia.ee/blog/2024-09-19-media-patient-insurance-webinar/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)
Published: 2024-09-19
Last updated: 2026-11-04

> Meditsiiniuudised 2024: Olavi-Jüri Luik spoke at the IIZI webinar "Patient insurance in practice" before Estonia's compulsory scheme began.

> **Original (in Estonian):** Kadi Heinsalu, "TOIMUS ÄRA: patsiendikindlustuse vebinar", Meditsiiniuudised, 19 September 2024. [Read the report](https://www.mu.ee/uudised/2024/09/19/toimus-ara-patsiendikindlustuse-vebinar). Follow-up with audience questions: [Meditsiiniuudised, 30 September 2024](https://www.mu.ee/uudised/2024/09/30/iizi-veebiseminar-patsiendikindlustus-praktikas-kuulajate-kusimused-vastused).

*Date note: the date of this post (19 September 2024) is the date of the original publication. This English summary was written for this website in 2026.*

A month before compulsory liability insurance for healthcare providers took effect, Meditsiiniuudised and the insurance broker IIZI held a webinar titled "Patient insurance in practice". Olavi-Jüri Luik was one of the two speakers, alongside IIZI's product development manager.

## Topic

The webinar covered what compulsory liability insurance means for healthcare providers: who must insure, what is covered, minimum sums insured and exclusions, and how claims are handled. A follow-up article answered audience questions. The publicly visible text does not detail the speakers' positions, so they are not repeated here.

## What we know now

The Healthcare Provider's Compulsory Liability Insurance Act (tervishoiuteenuse osutaja kohustusliku vastutuskindlustuse seadus, TOKVS) entered into force on 1 November 2024. It sets minimum sums insured and a list of exclusions, and patients may refer disputes to a conciliation committee. Lessons from the first year are analysed in [a separate post](https://insurancelawestonia.ee/blog/2025-10-13-patient-insurance-estonia-first-year), and the act itself in the [annotated commentary](https://insurancelawestonia.ee/blog/2024-07-01-research-patient-insurance-commentary).

## Related pages

- [Patient insurance in Estonia](https://insurancelawestonia.ee/guides/patient-insurance-estonia)