EFES Insurance Company was founded in 2023, entering the market with a wealth of expertise inherited from its longstanding legacy that dates back to 1997.
As a unified group with the Vardanants Center for Innovative Medicine, we form a dynamic ecosystem offering innovative health insurance solutions. Our approach goes beyond financial compensation, empowering individuals to proactively manage their health. Through timely detection, preventive care, and cutting-edge treatment methodologies, we ensure high-efficiency outcomes, fostering long-term well-being.
EFES Health is EFES Insurance Company's primary health insurance product. EFES Health Individual Plans are available for individuals, families, and companies with up to 10 members, while EFES Health Group Plans are designed for companies with more than 10 members.
45.000+
entrusts their health to us.
300+
network of medical centers
27+
years of experience in healthcare
50+
medical staff
90%
customer satisfaction (NPS) score
Access to exclusive international coverage:
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Packages
Standard
Limit of compensation per person
5,000,000 դր․
Premium
Limit of compensation per person
10,000,000 դր․
Exclusive
Limit of compensation per person
20,000,000 դր․
The main packages include:
Numerous outpatient and inpatient medical services
Pregnancy and childbirth
Treatment of oncological diseases
Rehabilitation therapy
Healthy Eyes, Healthy Heart, Healthy Breathing
Congenital problems
Annual Preventive Medical Examination
Additional packages
To get detailed information about the packages and receive a price offer, you need to:
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Download and sign the Non-Disclosure Agreement (NDA).
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Send an email from your company’s official email address to info@efes.am, attaching the signed NDA and providing the following details:
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A brief introduction about your company, including a website link (if available).
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Information about the company’s gender and age composition.
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Details of previous insurance history.
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Insurance budget (if available).
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Our specialists will review your request and respond within one business day.
What problems does health insurance solve?
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Ensures access to quality medical care, especially in urgent cases.
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Addresses the challenge of managing the quality and scope of necessary services.
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Protects against the rapid increase in medical service costs, which often outpaces income growth.
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Provides peace of mind for the future, ensuring maximum confidence and the ability to maintain independence and quality of life.
How to use health insurance?
Option 1
Contact your assigned personal doctor directly via phone or at 010 700 800. The doctor will arrange your treatment at our partner healthcare centers. If the treatment is covered by your contract, you won’t need to make any payments at our partner centers.
Option 2
If you’ve organized and paid for the treatment yourself, submit a claim through the EFES Insurance mobile app by providing the necessary documents for reimbursement (medical certificate, payment receipt, etc.).
To download the application, you must have the original version of your identification document (scans, copies, or photos from a screen are not accepted) and complete the identification process to ensure account security and access to services.
Medical insurance claim submission process
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The contracts are concluded for a 1-year term.
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Required documents: Passports and contact details of the insured individuals.
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Factors affecting the premium: Gender and age composition, chosen coverage, and payment method.
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The insurance premium can be paid either as a lump sum or in installments.
Medical second opinion
The consequences of misdiagnosis or wrong treatment can be severe, impacting quality of life, potentially leading to disability, or even death. Likewise, it can cause unnecessary and expensive surgeries. With this cover, insured person has the opportunity to get the opinion of the specialists of leading medical clinics. A medical second opinion (MSO) leads to:
Medical Second Opinion (MSO):
Fewer complications and better health outcomes
Avoidance of complex and costly surgeries,
Faster recovery and quicker return to work and family,
Reduced health insurance and income protection claims.
In 2022, 91.43% of the cases evaluated by Mediguide had a diagnosis change in 3.20% of cases and a treatment plan change in 88.23% of cases.
Last update: 26/03/2025 10:00
EFES Insurance CJSC provides non-life insurance in the health insurance category.