[Updated 3/24/23] In Azerbaijan, health insurance is the number one benefit for employees because, currently, there is insufficient state healthcare in the country, and medical insurance is expensive. When asked to rank four other expected benefits in order of importance, the average Azerbaijani employee will respond with disability, death, retirement, and long-term medical care.
As a pilot project, a compulsory medical insurance implementation process began in 2017 for some Azerbaijan regions. Today, medical insurance is mandatory across the country. Payments are calculated based on the insured person’s salary, and the employee and employer divide the payments.
Though all citizens receive coverage, many local companies prefer to purchase voluntary medical insurance because it provides access to private clinics and hospitals. Compulsory insurance provides services mainly at state clinics, and some modern, well-equipped hospitals are now part of the system. However, these hospitals offer only certain services within a limit.