Types of health insurance 

Health insurance in Lithuania comes in two types: public compulsory health insurance (PSD) and private health insurance. Both types grant you access public, municipal, and private healthcare. However, if you lack PSD insurance, you are responsible for covering all healthcare expenses yourself.  

Who can be covered by PSD? 

Free medical care in Lithuania is available to all residents who are insured with PSD, regardless of citizenship. This includes foreigners residing permanently in Lithuania, foreigners with a temporary residence permit who work in Lithuania (and their children) or are self-employed, individuals receiving pensions under international agreements, unaccompanied minor foreigners, resettled persons, and foreigners who have been granted additional protection in Lithuania.  

If you are a foreigner from a third country, your participation in PSD system depends on your resident status (permanent or temporary residence permit). The validity of your PSD coverage requires you to make regular contributions.  

If you have a long-term residence permit in Lithuania, you join the PSD system from the date your permit becomes valid. You must pay PSD contributions monthly, just like Lithuanian citizens. If you lose your job and register at the Employment Service, the state will cover your PSD contributions. However, if you have a long-term residence permit and you are not working or covered by the state, you will need to pay the PSD contributions yourself. 

If you have a temporary residence permit and work for a Lithuanian employer, they'll automatically enroll you and your dependents in the PSD scheme. Contributions are deducted from your salary. If you become unemployed after working in Lithuania for at least six months and register at the Employment Service, the state covers your PSD. If you're self-employed, you'll need to pay contributions yourself.  

How to pay PSD contribution?  

Self-insured individuals must pay monthly PSD contributions of 6.98% of the minimum monthly wage (known as MMA). The minimal cost of health insurance in 2024 is €64.50. Detailed information on how to make contributions can be found here.  

Check your insurance status. 

European Health Insurance Card 

If you have a European Health Insurance Card (EHIC), you can receive emergency medical care from general practitioners or specialists, and hospital treatment.  Both visiting your family doctor, or a specialist are fully covered if the doctor has a contract with one of the territorial health insurance funds. 

Options without PSD coverage 

If you are coming to Lithuania with a national visa (D), you are not covered by PSD. This means you don't pay PSD contributions and therefore don't have the right to receive healthcare services compensated by PSDF funds. Students from non-EU countries are also not covered by the state PSD system.  Likewise, foreigners with a temporary residence permit who are not employed, not covered by the state, and not self-employed cannot pay PSD contributions on their own. 

If you don't have PSD coverage, you'll have to two options: 

• Buy Private Health Insurance: You can purchase private health insurance from providers like BTA, Gjensidige, Seesam, Ergo, Lietuvos draudimas, or IF. See the full list here. 
• Pay Out-of-Pocket: You'll need to pay for each doctor's visit and other healthcare services yourself. 

Private health insurance in Lithuania costs between €50 and €150 per year, depending on the policy. With private insurance, you must pay upfront for healthcare expenses and then seek reimbursement from your insurance company, unless your policy says otherwise. A basic medical consultation in Lithuania typically costs between €20 and €100. The cost of hospitalization varies based on the length of stay, the medical procedure, and the type of room. Daily rates range from €50 to €200.