Health insurance is available to citizens and residents of Armenia who have been in the country for at least 6 months (183 days) within the last year. This also includes our compatriots who have moved from Artsakh.

Yes, the health insurance is mandatory.

The following groups are eligible to receive health insurance free of charge:

• children under 18,
• individuals aged 18–23 who are without parental care,
• full-time students up to age 26 who are without parental care,
• seniors aged 65 and over,
• citizens with 1st, 2nd, or 3rd-degree disabilities, and individuals with profound, severe, or moderate functional limitations,
• socially vulnerable individuals aged 18–65 whose vulnerability score is above 28 points,
• family members of deceased military personnel,
• participants in the Chernobyl disaster recovery efforts,
• World War II veterans and individuals with equivalent status,
• victims of political repression (rehabilitated persons),
• former military personnel receiving a military disability pension,
• one parent, adopter, guardian, or trustee of a child with a disability.

The following categories are required to pay for health insurance:

• Employees receiving a monthly salary of AMD 200,001 or more (including taxes).
• Individual Entrepreneurs and Notaries with an annual income of AMD 2,400,001 or more (including taxes).

Attention
Individual Entrepreneurs must pay the insurance premium as a single lump sum for the full 12 months by April 20, 2026.

The monthly insurance fee is AMD 10,800, and the annual cost is AMD 129,600.

The payment for health insurance is covered by:

• The State: For children, retirees, and socially vulnerable groups.
• The Employer: For employees.
• The Individual: For those who are self-employed or unemployed but belong to a mandatory insurance category.

Attention
If the insurance premium is not paid, your coverage will be suspended.

Usually, the insurance premium is paid directly from your salary. You can obtain specific information regarding salary deductions from your employer.

Yes, you can hold both state insurance and private insurance simultaneously.

• You pay only AMD 300 for insurance.
• The State covers AMD 6,000 for you. AMD 4,500 is saved through your "Zinapah" (Insurance Foundation for Servicemen) payments.

• You pay AMD 3,300 for insurance.
• Additionally, in 2027, you can receive an income tax refund of up to AMD 50,000 for health insurance by submitting your 2026 income tax declaration.

• You pay the full insurance premium of AMD 10,800 per month.
• However, in 2027, you can receive an income tax refund of up to AMD 50,000 for health insurance by submitting your 2026 income tax declaration.

For social package beneficiaries, the AMD 6,000 that was previously accumulated within the framework of the social package can now be directed toward your health insurance. To enable this, you must submit a one-time application to your employer.

• If you work at two places at once and your total combined salary (including taxes) does not exceed the AMD 200,000 threshold, you pay nothing.
• However, if you receive, for example, AMD 180,000 from your first employer and AMD 205,000 from the second, both employers will automatically make deductions from your salary. As a result, you may end up paying more than the standard AMD 10,800 for your insurance.
  
  
• You can get a refund if the total amount withheld from both jobs exceeds the set limit. You need to submit a one-time application to the Health Insurance Fund and provide your bank account number. The overpaid amount will be transferred within 3 working days. After this initial application, any future overpayments will be refunded to you automatically in the following months.

The insurance is valid throughout the entire territory of the Republic of Armenia.