Health insurance in Georgia for foreigners: prices

How to choose and use your insurance

1. 1
   Decide what insurance you need

   Travel insurance pays for emergency care: an injury, a sudden illness, a hospital stay. It does not cover GP visits, tests or planned operations, and the UK Foreign Office warns that such policies are not designed for living abroad permanently. If you live in Georgia and see doctors, you need an annual plan from a Georgian insurer: appointments, tests, medicines, hospital care. Do not cancel your travel policy until the waiting period for emergency hospitalisation on your new plan has ended: 3 months at IRAO, 15 days at Unison.

2. 2
   Compare plans on four points

   Look at the price for your age, the share of medicine costs covered, dental care and the waiting period. For example, IRAO Pulse Standard in September 2026: 80 ₾ a month for ages 21–40; medicines are covered at 45–55%, up to 1,000 ₾; planned dental care at 50%, also up to 1,000 ₾. The cheapest package is GPI Medi Standard at 39 ₾ a month; Unison and ARDI start at 49 ₾.

3. 3
   Choose a scheme: referral or free choice

   With a referral package, you first see the insurer's family doctor, who then refers you to a specialist. These packages are cheaper: by 10–15 ₾ a month at IRAO and by 10–20 ₾ at ARDI. With free choice, you can go to any licensed clinic, but the insurer pays a smaller share: under IRAO Standard+, it pays 40% of outpatient care.

4. 4
   Check the waiting periods and exclusions

   Planned treatment is not covered from day one. At IRAO, emergency hospitalisation is covered after 3 months, chronic conditions after 6, and planned hospitalisation, cancer treatment and childbirth after 12. At GPI Exclusive, planned operations are covered after 12 months, and pregnancy and childbirth after 24 months. ARDI's policy terms exclude congenital conditions, as well as diabetes and chronic hepatitis except in emergencies.

5. 5
   Ask whether they will sell a policy to a foreigner

   Insurers rarely publish separate rules for foreigners on their websites, and ARDI's Vitamin leaflets are headed "for citizens of Georgia under 70". Before you pay, ask whether you need a residence permit or a Georgian bank account, and up to what age the plan is sold.

6. 6
   Check the insurer's licence

   As of 27 August 2026, Georgia has 19 licensed insurers. The Insurance State Supervision Service publishes the list with licence numbers on insurance.gov.ge, in the "მზღვეველები" ("Insurers") section; the page is in Georgian. Check the insurer's name and licence number against your policy.

7. 7
   Understand how you pay at the doctor's

   At a partner clinic, the insurer pays its share straight away and you pay the rest. At any other clinic, you pay the full amount and then claim it back: within 60 days at IRAO, within 30 days at Unison and ARDI. You need the receipt and medical form IV-100/a from the doctor. Before a planned hospital stay, get a guarantee letter: at IRAO, you submit the documents 5 working days in advance. With Unison, you must report an emergency hospitalisation within 24 hours on 032 2 991 991, or the costs may not be reimbursed.