TbilisiExperts

The 8 Best Health Insurance Providers in Tbilisi

Updated 21 firms evaluated8 listedServing all of Georgia

Eight insurers that will genuinely cover a foreigner living in Tbilisi, ranked on network reach, English-language service and how openly they publish premiums. All eight are licensed across Georgia and most issue policies online, so the ranking holds wherever in the country you are based. Each one was cross-checked against the Georgian Insurers Association membership list. Where a company does not publish a price or a verifiable rating, we say so instead of inventing one. How we rank

Rank 01

GPI Holding

Best overall

Georgia's largest health insurer, owned by Vienna Insurance Group.

3.2117 reviewsUpdated
Why they’re on this list
  • Reports a 24% share of Georgia's health insurance market and 55% of the individual segment, citing 2025 State Insurance Supervision Service data
  • Two separate 24/7 hotlines, one medical and one administrative, rather than a single office-hours number
  • Part of Vienna Insurance Group since 2006, so reserves and reinsurance sit behind a Central European parent
  • Added remote consultations with European physicians through a diagnose.me partnership in 2025
EN · KA₾₾Tbilisi
Visit website — GPI Holding032 2 505 111
Rank 02

ARDI Insurance

Best for new arrivals

The insurer most set up for foreigners, from arrival day to long-term residence.

4.3446 reviewsUpdated
Why they’re on this list
  • Runs Vitamins, a five-tier individual health programme graded A to E, on the market since 2015
  • Welcomer covers inbound foreigners to a 30,000 GEL aggregate limit, which is exactly the threshold Georgia's mandatory insurance rule set on 1 January 2026
  • Policies issue online in roughly two minutes with no account registration, which matters when you are already at the airport
  • Founded 2010, with walk-in branches in Tbilisi, Batumi, Kutaisi and Poti rather than Tbilisi only
  • Claims, provider search and emergency assistance run through a My Room web portal and a mobile app
EN · KA₾₾Tbilisi
Visit website — ARDI Insurance032 210 10 10
Rank 03

IRAO

Best on a budget

Vienna Insurance Group's second Georgian arm, built around monthly payments.

4.075 reviewsUpdated
Why they’re on this list
  • Sells the Pulse health plans in monthly instalments instead of demanding a full year up front, which is unusual in this market
  • Direct billing at partner clinics, so you are not fronting cash and reclaiming it weeks later
  • Publishes a dedicated English guide to health insurance for expats in Tbilisi on its own site, which almost no Georgian insurer bothers to do
  • Affiliated with Vienna Insurance Group, the same parent as GPI Holding, and registered in Georgia since 2004
  • Policies bought and managed at online.irao.ge plus iOS and Android apps
EN · KA₾Tbilisi
Visit website — IRAO+995 32 2 949 949
Rank 04

TBC Insurance

Bank-backed insurer where the whole claim runs through an app.

3.8418 reviewsUpdated
  • Operating since 2016 as the insurance arm of TBC, one of Georgia's two largest banks
  • App handles policy viewing, health claims, doctor appointments, guarantee letters and travel activation without a branch visit
  • Full English site covering both personal and business health insurance, not just a translated landing page
  • States a strategy of end-to-end digitalisation, so nearly every product can be bought remotely from outside Georgia
  • Georgia Expats' 2026 insurance guide puts TBC entry plans at roughly 50 GEL a month
EN · KA₾₾Tbilisi
Visit website — TBC Insurance
Rank 05

Unison Insurance

The Georgian insurer that prints every individual tier and its price.

3.4256 reviewsUpdated
  • Publishes all five individual tiers with monthly prices, Start 39 GEL, Classic 49, Advance 65, Premium 85 and Unique 120
  • Established 2011 and entirely Georgian-owned, naming Allianz, Swiss Re and SCOR as reinsurance partners
  • Provider list is downloadable as an English-language PDF, so you can check your clinic is in network before you pay
  • Runs the mandatory health and accident cover foreign students need under government decree N572
  • English across the website, the mobile app and the online policy portal
EN · KA₾₾Tbilisi
Visit website — Unison Insurance+995 322 991 991
Ranks 06–08
Rank 06

Imedi L

Health-only specialist wired into the country's biggest hospital group.

3.2450 reviewsWebsite — Imedi L
Rank 07

Alpha Insurance

The insurance arm of the Aversi medical and pharmacy holding.

Website — Alpha Insurance
Rank 08

Global Benefits Georgia

Georgian licence with an international benefits group behind it.

3.4173 reviewsWebsite — Global Benefits Georgia

Compare at a glance

RankFirmBest forLanguagesPriceRatingDistrict
01GPI HoldingLargest clinic networkEN · KA₾₾3.2117 reviewsTbilisi
02ARDI InsuranceNewly arrived expatsEN · KA₾₾4.3446 reviewsTbilisi
03IRAOLow monthly premiumsEN · KA₾4.075 reviewsTbilisi
04TBC InsuranceClaims handled in-appEN · KA₾₾3.8418 reviewsTbilisi
05Unison InsuranceComparing plans line by lineEN · KA₾₾3.4256 reviewsTbilisi
06Imedi LHospital-heavy coverEN · KA₾₾3.2450 reviewsTbilisi
07Alpha InsuranceAversi clinic and pharmacy usersEN · KA₾—Rating not verifiedTbilisi
08Global Benefits GeorgiaExpats splitting time abroadEN · KA₾₾₾3.4173 reviewsTbilisi

What health insurance actually costs in Tbilisi

Georgian health insurance is cheap by European standards and priced monthly. Advertised entry points run from about 22 GEL for a student policy to around 120 GEL for the top individual tier at a mid-market insurer. What that spread buys you is limits, not access: the cheap tier and the expensive tier often use the same clinic network, but one caps hospitalisation at 15,000 GEL and the other at 50,000.

Corporate cover is a separate conversation and usually cheaper per head. If you run a Georgian LLC with three or more staff, ask every insurer on this list for a group quote before you buy individual policies.

How to choose between them

Start with the provider list, not the price

The only question that matters on day one is whether the hospital you would be taken to in an emergency is in network. Ask for the provider list as a document. Unison publishes one in English. Others will email it. If a clinic you already use is missing, the policy is worth less to you than the price suggests.

Then check the payment mechanics

Two things separate a good Georgian policy from a frustrating one: whether the insurer bills partner clinics directly, and whether you can pay monthly rather than annually. Both are negotiable-looking features that are actually fixed by product, so confirm before signing.

Then check who answers the phone at 2am

Most Georgian insurers advertise English service. Fewer staff an English line around the clock. GPI Holding runs two 24/7 hotlines. If you do not speak Georgian or Russian, ring the medical line before you buy and see what happens.

Red flags

  • An agent who quotes a price without sending the limits table. The premium is meaningless without the annual caps and co-payment percentages.
  • Vague answers on pre-existing conditions. Get the exclusion in writing. Verbal reassurance from a sales agent is not a contract term.
  • Pressure to buy an annual policy in cash today. Every serious insurer here sells online with a card.
  • A policy issued only in Georgian. Since January 2026 the mandatory cover for foreigners has to be issued in Georgian or English, and you cannot argue a claim you cannot read.

When you do not need to pay for this

Georgian out-of-pocket medical prices are low enough that plenty of foreigners skip insurance and pay cash for GP visits, dentistry and routine diagnostics. That is a defensible choice for small stuff. It stops being defensible the moment you consider a night in intensive care or an air ambulance home, which is where the four and five-figure bills live.

Two situations change the calculus. If you are a foreign national entering Georgia, the 30,000 GEL minimum cover is now a legal requirement, not an optional extra. And if you have anything chronic, buy early: waiting periods and pre-existing exclusions get harder to work around the longer you leave it.

For help comparing quotes across several insurers at once, see our list of insurance brokers in Tbilisi.

Frequently asked

Entry-level individual plans from Georgian insurers advertise from roughly 22 to 50 GEL a month, and mid-tier plans with real outpatient limits sit around 65 to 120 GEL. Expat guides put a decent local policy at about $250 to $1,000 a year depending on tier. International expat policies covering you outside Georgia are a different order of magnitude, commonly $1,000 to $5,000 a year for one adult in their thirties. Treat all of these as ranges, not quotes, because age, deductible and any pre-existing condition move the number a lot.

Related lists

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Corrections

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This shortlist is independently researched and ranked — we are not paid for placement decisions. If something here is out of date, or we missed someone in health insurance providers, tell us. We read everything.

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