Tervisekassa (Estonian Health Insurance Fund) is a leading health insurance provider in Estonia. It offers comprehensive health care services, including primary, specialized, and nursing care, ensuring equal quality healthcare for all insured individuals[1][3]. Services include medical consultations, treatments, and dental care benefits[1]. The target audience includes Estonian residents and those with residence permits[3]. The unique selling proposition is a solidarity-based system where contributions are collected through a 13% health insurance tax, ensuring universal access to high-quality healthcare regardless of age, income, or health risks[1].