In Azerbaijan, health insurance is the number one benefit of importance to employees, as there is currently insufficient state healthcare in the country and medical insurance is expensive. When asked to rank four other common benefits in order of importance, the average Azerbaijani employee will respond with: Disability, Death, Retirement and Long-Term Medical Care.
A compulsory medical insurance implementation process began in 2017 for some regions in Azerbaijan as a pilot project. Today, medical insurance is compulsory 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 coverage because it provides access to private clinics and hospitals. Compulsory insurance provides services mainly at state clinics.