# Accident and health

URL: https://insurancelawestonia.ee/tags/accident-and-health/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> A selection of pages on this site that deal with Accident and health (16 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Accident and health".

- [Blog: Estonian insurance law insights](https://insurancelawestonia.ee/blog): 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)](https://insurancelawestonia.ee/blog/2024-07-01-research-patient-insurance-commentary): 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](https://insurancelawestonia.ee/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](https://insurancelawestonia.ee/faq): Answers to frequent questions on Estonian insurance law: applicable law, mandatory rules, disclosure, warranties, notice, declinations, limitation.
- [Estonian insurance regulations: reporting, motor, patient, vaccine](https://insurancelawestonia.ee/legal-framework/estonian-regulations): 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)](https://insurancelawestonia.ee/blog/2024-10-29-media-tv-debate-patient-insurance): 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)](https://insurancelawestonia.ee/blog/2025-09-18-media-patient-safety-day): 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](https://insurancelawestonia.ee/blog/2024-09-19-media-patient-insurance-webinar): 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](https://insurancelawestonia.ee/organisations): 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](https://insurancelawestonia.ee/international-insurance-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](https://insurancelawestonia.ee/international-insurance-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?](https://insurancelawestonia.ee/blog/2024-11-15-patient-insurance-dental-care): 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](https://insurancelawestonia.ee/guides/patient-insurance-estonia): 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](https://insurancelawestonia.ee/blog/2025-10-13-patient-insurance-estonia-first-year): 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](https://insurancelawestonia.ee/blog/2026-11-01-vaccine-injury-insurance-estonia): 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](https://insurancelawestonia.ee/guides/war-exclusions-and-cyber): War, hostile act and state-backed cyber attack exclusions under Estonian law: classification, burden of proof, attribution, interpretation.