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Insurance and health care

Compulsory medical insurance: what is covered, who pays and how to use it

The Services Package of compulsory medical insurance includes 3,318 medical services (State Medical Insurance and Expertise Agency, 22.10.2026); for employees in the private sector the premium is 2% from the employee and 2% from the employer on the part of monthly pay up to 2,500 AZN (State Tax Service, 2026).

  • 3,318 services
  • 2% + 2%
  • 142 line
  • Checked: 7 November 2026

Who can use it, and how

  • Citizens of Azerbaijanwith an identity document
  • Foreigners and stateless persons with refugee statuswith the relevant document, if taken under the protection of the UN High Commissioner for Refugees representation in Azerbaijan
  • Foreigners and stateless persons living in Azerbaijan, temporarily or permanentlyif they pay the compulsory medical insurance premium, with the residence permit issued by the State Migration Service
  • What to showAn identity card when you apply to a medical facility
  • Planned outpatient carethrough a family doctor or a specialist; you can go to a specialist directly, whatever your registration address
  • Without going through primary careif you go straight to a specialist, the insured person pays a co-payment (the Law, article 15-28.3); the Services Package sets the amount
  • Where it is providedin any state medical facility under TƏBİB and in the research institutes of the Ministry of Health

We found no separate online service for checking insurance status on the Agency's or TƏBİB's sites; the Agency says only an identity card is needed. If you have a question, call 142.

Source: State Medical Insurance and Expertise Agency: compulsory medical insurance; TƏBİB: frequently asked questions; Law on Medical Insurance (No. 725-IQ) with the 464-VIIQD amendments, e-qanun.az (the Law was read on 12.11.2026) · read on 7 November 2026

Who pays the premium

  • Employeeon the part of monthly pay up to 2,500 AZN
    2%
  • Employeron the part of pay up to 2,500 AZN
    2%
  • The part above 2,500 AZNeach side pays 50 AZN + 0.5% of the part above 2,500 AZN
    0.5%
  • Who it coversthe non-state sector outside oil and gas, employees under an employment contract, from 01.01.2026 (the Law, article 15-10.1.2-1)
  • State sector and oil and gasthe threshold is 8,000 AZN, not 2,500: each side pays 2% on pay up to 8,000 AZN and 0.5% on the part above (the Law, article 15-10.1.2)
    8,000

Rates for people who do not work, the self-employed and other groups are not given on this page; check them on the State Tax Service site (taxes.gov.az).

Source: State Tax Service, 2026 leaflet: non-state employers with employees; Law on Medical Insurance (No. 725-IQ) with the 464-VIIQD amendments, e-qanun.az (the Law was read on 12.11.2026) · read on 7 November 2026

What is covered and what is not

  • Services Packageit had 1,829 services when compulsory insurance began and has 3,318 now (Agency, 22.10.2026)
    3,318
  • Laboratory and instrumental tests, radiology servicesfree of charge on a doctor's order
  • Outpatient MRI and CTa co-payment of 20 percent of the tariff in the Services Package
    20%
  • Not coveredservices provided under state programmes and laws, cosmetic procedures, plastic surgery, dental services, in vitro fertilisation and the like

TƏBİB's own list also names organ transplantation, the Agency's page does not, and the Agency's press release of 22.10.2026 says the limit for bone marrow transplants was raised. So we show this service neither as covered nor as not covered. Ask the 142 line about a specific service.

Source: State Medical Insurance and Expertise Agency: compulsory medical insurance; Agency press release, 22.10.2026 · read on 7 November 2026

Frequently asked questions

What do I need to use compulsory medical insurance?

According to TƏBİB, you show an identity card when you apply to a medical facility. For planned outpatient care you go to a family doctor or a specialist; you can go to a specialist directly, whatever your registration address.

What is not covered?

According to the Agency's page, the Services Package does not include services provided under state programmes and laws, cosmetic procedures, plastic surgery, dental services and in vitro fertilisation. The list ends with "and the like", so ask the 142 line about a specific service.

How do I go to a private clinic?

When the service you need cannot be provided in TƏBİB facilities, a referral is issued to a private or departmental state facility under contract with the Agency. The referral and the service under it are free and valid for 10 working days. Without a referral, except in emergencies, you pay yourself.

Are MRI and CT free?

For outpatient MRI and CT there is a co-payment of 20 percent of the tariff in the Services Package. Laboratory and instrumental tests and radiology services are free on a doctor's order (Agency page).

Who pays the premium?

For employees in the non-state sector outside oil and gas, from 01.01.2026 the employee pays 2% and the employer 2% on the part of pay up to 2,500 AZN. On the part above 2,500 AZN each side pays 0.5% (State Tax Service). For other groups check the rate on taxes.gov.az.

Whom can I call?

The Agency's "142" call centre. For an ambulance, 103. We found no separate online service for checking insurance status on the Agency's or TƏBİB's sites.

Every item on this page comes from an official source and was read on 7 November 2026. Sources:
State Medical Insurance and Expertise Agency: compulsory medical insurance
TƏBİB: frequently asked questions
Law on Medical Insurance (No. 725-IQ) with the 464-VIIQD amendments, e-qanun.az (the Law was read on 12.11.2026)
State Tax Service, 2026 leaflet: non-state employers with employees
Agency press release, 22.10.2026
State Medical Insurance and Expertise Agency: contacts (“142” call centre)
TƏBİB: compulsory medical insurance
This page explains procedures; it gives no medical advice. Rules change, so confirm with the 142 line before you decide.