Armenia’s Universal Health Insurance: How the new system works, what it covers, what it does not, and where private insurance still matters
Armenia has launched the first phase of its universal health insurance system.
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Armenia has launched the first phase of its universal health insurance system.
This initiative marks a new phase in the development of the Vardanants Center for Innovative Medicine and is set to meet the growing demand for Vardanants’ preventive, ambulatory, and inpatient medical care.
During the first nine months of 2025, EFES Insurance CJSC demonstrated stable and consistent growth, maintaining its leading positions in both the general and voluntary insurance markets.
While total insurance premiums amounted to 22.0 billion AMD in the first quarter of 2024, this figure dropped to 20.5 billion AMD in 2025, marking a decline of approximately 7%.
2025 started with steady growth for EFES ICJSC, strengthening its position as the leader in voluntary insurance in Armenia. The Company continues to grow...
EFES Insurance Company, which entered the market in July 2023, achieved high growth rates in 2024, establishing itself as the leader in the voluntary insurance market...
EFES Insurance introduces EFES Oncocare, a new insurance product designed for individuals, families, and businesses...
Armenia’s CMTPL system is proud 10 years old. Back in 2010, CBA introduced mandatory insurance of third party liability risen from employment of motor vehicles. It was aimed at solving a social problem․․․