Income insurance. When life happens.
- Fast coverage Get your income protected in less than a minute.
- Trusted partner Partnering with Seesam, trusted in Estonia for over 30 years.
- Monthly compensation In case of unexpected job loss or temporary inability to work.
- Cancel anytime Your coverage stays valid until the current billing period ends.
How it works.
Up to 3 000 € over 6 months — three steps from signing to support.
- 01 Get started Choose a monthly compensation from 50 € to 500 €.
- 02 Waiting period Sign the contract and your waiting period starts the next day.
- 03 Coverage In case of employment or health disruption, make a claim.
What's covered?
Two insured events, one simple policy — offered together with Seesam, your trusted insurance partner with over 30 years on the Estonian market.
Unexpected job loss
Redundancy, employer bankruptcy, cessation of employer’s activities, collective termination of employment contracts, or termination by the insured due to the employer’s significant breach of contract obligations.
- Waiting period applies
Temporary loss of work ability
Temporary incapacity for work caused by illness or accident, confirmed by a medical certificate issued and submitted to the Health Insurance Fund, except for exclusions stated in the terms.
- Waiting period applies
Your trusted insurance partner
Over 30 years on the Estonian market
What is the waiting period?
When the contract is initially signed, a waiting period applies. This is a continuous period starting from the day after the insurance contract is signed, during which incidents are not eligible for compensation — the exact length depends on the type of claim and is stated in your policy. The date when the insurance contract takes effect is specified in the policy.
What is the deductible period?
The deductible is a continuous period starting from the day after the insured event occurs, during which no compensation is paid — the exact length is stated in your policy.
When is compensation paid?
Compensation is paid monthly.
How to make a claim?
Making a claim is easy. Do so by logging into your ESTO account or via the Seesam website.
How to terminate the insurance contract?
The insurance contract can be terminated prematurely via your ESTO account. The insurance will remain valid until the end date of the last installment paid by the insured.
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Nearly 1 million people use ESTO