A selection of pages on this site that deal with "Accident and health".
- Blog: Estonian insurance law insights: Blog by Estonian attorney Dr Olavi-Jüri Luik: insurance law developments, Supreme Court practice and analysis for insurers, MGAs and brokers.
- Book: Patient Insurance. Annotated Commentary (2024): Lahe, Luik, Saluste and Merila 2024: the first article-by-article commentary on Estonia's compulsory liability insurance for healthcare providers.
- Estonian Supreme Court: subrogation and recourse: Estonian Supreme Court (Riigikohus) insurance case law: subrogation (VÕS § 492) and recourse. Summaries in English with links.
- Estonian insurance law FAQ for insurers, brokers and TPAs: Answers to frequent questions on Estonian insurance law: applicable law, mandatory rules, disclosure, warranties, notice, declinations, limitation.
- Estonian insurance regulations: reporting, motor, patient, vaccine: Government and ministerial regulations under Estonian insurance statutes: FSA reporting, motor register and rates, patient insurance, vaccine insurance.
- In the media: ETV "Impulss" debate on patient insurance (2024): ETV "Impulss" 2024: how a serious surgical incident would be handled under Estonia's new patient insurance. Olavi-Jüri Luik was a studio guest.
- In the media: patient insurance at Patient Safety Day (2025): WIDEN 2025: Olavi-Jüri Luik on the first months of Estonian patient insurance, under-reporting of medical errors and compensation levels.
- In the media: patient insurance webinar before entry into force: Meditsiiniuudised 2024: Olavi-Jüri Luik spoke at the IIZI webinar "Patient insurance in practice" before Estonia's compulsory scheme began.
- Insurance organisations in Estonia and internationally: Insurance organisations in Estonia and abroad: Financial Supervision Authority, Traffic Insurance Fund, insurers and brokers associations, EIOPA, AIDA.
- International case law: good faith, fraud and claims handling: 14 decisions of foreign courts on good faith, fraud and claims handling: summaries, paragraphs and links.
- International case law: personal insurance and insurable interest: 10 decisions of foreign courts on personal insurance and insurable interest: summaries, paragraphs and links.
- Patient insurance and dental care in Estonia: do prices rise?: Does Estonia's compulsory liability insurance for healthcare providers raise dental prices? Risk-based pricing and the effect of TOKVS.
- Patient insurance in Estonia (TOKVS): guide for insurers: Compulsory liability insurance of healthcare providers in Estonia under TOKVS: insured event, sums insured, exclusions, claims procedure, conciliation.
- Patient insurance in Estonia: the first year of TOKVS: Estonia's compulsory liability insurance for healthcare providers (TOKVS): structure, limits, conciliation committee and lessons from the first year.
- Vaccine injury insurance in Estonia: why a public no-fault scheme: How Estonia compensates vaccine injuries: product liability vs liability insurance vs public no-fault insurance. Medicinal Products Act Chapter 5¹ in 2026.
- War exclusions and cyber insurance under Estonian law: War, hostile act and state-backed cyber attack exclusions under Estonian law: classification, burden of proof, attribution, interpretation.