Who is Insured?
Employees
In the first phase of the program launch, all employed citizens receiving a salary of more than 200,000 AMD...
Children and Students
All children under 18 are insured by state budget funds...
Persons over 65
All citizens over 65 receiving an annual pension...
Vulnerable Groups
Members of poor and socially insecure families are insured by state budget...
Self-employed
Sole proprietors and self-employed individuals can register...
What is Covered?
Primary Medical Care
Free visits to family doctors, consultations, and basic diagnostic tests...
Hospital Services
Inpatient treatment, surgeries, hospital care in state and private hospitals...
Emergency Medical Aid
Emergency medical aid and ambulance services 24/7...
Preventive Care and Screenings
Mandatory annual medical checkups and preventive screenings for all age groups...
Chronic Disease Management
Dispensary control of diabetes and cardiovascular diseases...
Medication Reimbursement
50% to 100% reimbursement of medicines included in the approved list...
What is NOT Covered
Cosmetic Surgeries and Aesthetic Services
Complementary and Alternative Medicine
Dental Services (except emergency cases)
Glasses and Contact Lenses
Hearing Aids (except social groups)
Treatment Abroad and Travel Insurance
Financing
Employer
Employers, acting as tax agents, pay 10,800 AMD as an insurance premium from the salary of employees receiving more than 200,000 AMD.
State
The state pays the insurance premium for children, persons over 65, and vulnerable groups.
Rights and Responsibilities
Your Rights
- Free choice of healthcare provider
- Free medical consultation and treatment
- Full information about treatment
- Confidentiality of medical data
- Appeal the quality of treatment or services provided
Your Responsibilities
- Pay insurance premiums on time
- Provide accurate personal and medical information
- Follow doctor's prescriptions and advice
- Notify about changes (address, job, etc.)
- Keep the insurance certificate and present it during treatment
How to Use Your Insurance
Book a Visit
First, book a visit to your polyclinic therapist. You can register in advance by calling the polyclinic or via the ARMED app.
Get Certificate
Activate your certificate in the ARMED app or with the help of the polyclinic.
Pass Checkup
Undergo the mandatory preventive medical checkup at your polyclinic.
Get Referral
If needed, the therapist will refer you to a specialist or for further examinations.
Visit Hospital
Choose any medical center included in the program and visit with your referral.
Get Treatment
Receive free treatment and medication as part of the package.
General Support
24/7 Support and Information