{"id":1526,"date":"2020-09-30T15:07:00","date_gmt":"2020-09-30T12:07:00","guid":{"rendered":"https:\/\/www.kindlustusest.ee\/blog\/?p=1526"},"modified":"2025-11-17T10:54:27","modified_gmt":"2025-11-17T10:54:27","slug":"tooandja-ravikindlustus","status":"publish","type":"post","link":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/","title":{"rendered":"T\u00f6\u00f6andja ravikindlustus &#8211; kiire ligip\u00e4\u00e4s arstiabile"},"content":{"rendered":"\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"653\" class=\"wp-image-2215\" src=\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-1024x653.jpg\" alt=\"\" srcset=\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-1024x653.jpg 1024w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-300x191.jpg 300w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-768x490.jpg 768w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-1536x980.jpg 1536w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-150x96.jpg 150w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-696x444.jpg 696w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2-1068x682.jpg 1068w, https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n<\/div>\r\n\r\n<p>Eelmisest aastast alates\u00a0saavad t\u00f6\u00f6andjad s\u00f5lmida t\u00f6\u00f6tajatele\u00a0vabatahtliku ravikindlustust kuni 400 \u20ac ulatuses maksuvabalt. Seda v\u00f5imalust on t\u00f6\u00f6andjad kasutanud nii hambaravi\u00a0kui\u00a0erinevate raviteenuste kindlustamisel.<\/p>\r\n<p><a href=\"https:\/\/www.kindlustusest.ee\/tooandja-ravikindlustus\">T\u00f6\u00f6andja vabatahtlik ravikindlustus<\/a>\u00a0sisaldab\u00a0kohustusliku ambulatoorse arstiabi kaitset, millele lisanduvad laias valikus erinevaid kindlustuskaitsed:<\/p>\r\n<p><!--more--><\/p>\r\n<ul>\r\n<li>eriarsti abi;<\/li>\r\n<li>tasuline haiglaravi;<\/li>\r\n<li>ambulatoorne v\u00f5i statsionaarne taastusravi;<\/li>\r\n<li>vaktsineerimine;<\/li>\r\n<li>optikakulud:<\/li>\r\n<li>terviset\u00f5endi\u00a0 v\u00f5i prof\u00fclaktilise tervisekontrolli kulud jne.<\/li>\r\n<\/ul>\r\n<p>Igal kindlustuspaketil on oma kindel kaitsete loetelu ja h\u00fcvitispiirid, millega tuleb kindlasti p\u00f5hjalikult tutvuda. Kindlasti on m\u00f5ttekas uurida ka v\u00e4listusi ehk asjaolusid, mille puhul kindlustus ei kehti ja kulusid ei h\u00fcvitata.<\/p>\r\n<h2><strong>Millised on k\u00f5ige enam levinud kindlustuskaitsed?<\/strong><\/h2>\r\n<p>Senised uuringud n\u00e4itavad, et vabatahtliku ravikindlustusega on k\u00f5ige sagedamini vaja l\u00e4inud\u00a0hambaarsti ja eriarsti abi. Hambaravikindlustust saab osta ka eraldiseisvalt, sest ravikindlustuse paketis on kindlustuslimiidid tagasihoidlikumad. Hambaravikindlustust on v\u00f5imalik s\u00f5lmida regulaarsele hambaravile kuni\u00a04875 \u20ac aastas. Sellele lisanduvad \u00f5nnetujuhtumi hambaravi ja suuv\u00e4hi ravi.<\/p>\r\n<p>T\u00e4htis on teada, et ravikindlustuse makse s\u00f5ltub t\u00f6\u00f6tajate arvust, kindlustuskaitsete loetelust, h\u00fcvitislimiitidest ja omavastutuse suurusest. T\u00f6\u00f6tajate vanus ei ole siinkohal\u00a0k\u00f5ige olulisem, vaid arvestatakse ettev\u00f5tte tegevusala ja t\u00f6\u00f6tajate ameteid. Kindlustuspakkumise koostamisel v\u00f5etakse arvesse ka tegevuspiirkonda. Erinevalt eraisiku vabatahtliku ravikindlustuse tingimustest h\u00fcvitatakse arstiabi\u00a0ka krooniliste haiguste puhul.<\/p>\r\n<p>Mida p\u00f5hjalikum on h\u00fcvitamisele kuuluvate raviteenuste nimekiri ja suuremad h\u00fcvitislimiitide summad, seda k\u00f5rgemaks kujuneb kindlustusmakse. Allpool leiab n\u00e4ited 20 t\u00f6\u00f6tajaga ettev\u00f5tte kindlustuspakkumisest:<\/p>\r\n<h2><strong>N\u00e4ide 1<\/strong><\/h2>\r\n<table border=\"0\" cellspacing=\"0\"><colgroup width=\"303\"><\/colgroup> <colgroup width=\"132\"><\/colgroup>\r\n<tbody>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"43\"><span style=\"color: #000000;\">Kindlustussumma \u00fche kindlustatava kohta<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">2\u00a0350 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Ambulatoorne ravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">1\u00a0000 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Haiglaravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">1\u00a0000 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Vaktsineerimine<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">100 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Ambulatoorne taastusravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">150 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Hambaravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">100 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><b><span style=\"color: #000000;\">Omavastutuse m\u00e4\u00e4r<\/span><\/b><\/td>\r\n<td align=\"center\" valign=\"bottom\"><b><span style=\"color: #000000;\">20%<\/span><\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Kindlustusmakse kindlustatava kohta<\/span><\/td>\r\n<td align=\"left\" valign=\"bottom\">\u00a0 <strong>210 \u20ac<\/strong><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><strong>N\u00e4ide 2<\/strong><\/h2>\r\n<table border=\"0\" cellspacing=\"0\"><colgroup width=\"303\"><\/colgroup> <colgroup width=\"132\"><\/colgroup>\r\n<tbody>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"43\"><span style=\"color: #000000;\">Kindlustussumma \u00fche kindlustatava kohta<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">2\u00a0350 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Ambulatoorne ravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">1\u00a0000 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Haiglaravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">1\u00a0000 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Vaktsineerimine<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">100 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Ambulatoorne taastusravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">150 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Hambaravi<\/span><\/td>\r\n<td align=\"center\" valign=\"bottom\"><span style=\"color: #000000;\">100 \u20ac<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><b><span style=\"color: #000000;\">Omavastutuse m\u00e4\u00e4r<\/span><\/b><\/td>\r\n<td align=\"center\" valign=\"bottom\"><b><span style=\"color: #000000;\">10%<\/span><\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td align=\"left\" valign=\"bottom\" height=\"26\"><span style=\"color: #000000;\">Kindlustusmakse kindlustatava kohta<\/span><\/td>\r\n<td align=\"left\" valign=\"bottom\"><strong>250 \u20ac<\/strong><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p>T\u00f6\u00f6andja ravikindlus on v\u00e4\u00e4rtuslik, kuna sellega:<\/p>\r\n<ul>\r\n<li>p\u00e4\u00e4seb saatekirjata kiiresti eriarsti vastuv\u00f5tule;<\/li>\r\n<li>on kaetud tasuliste raviteenuste kulud, mida haigekassa ei tasu;<\/li>\r\n<li>saab valida arsti, keda patsient ise usaldab;<\/li>\r\n<li>saab t\u00e4iendava h\u00fcvitise hambaravile (haigekassa\u00a0h\u00fcvitab ainult\u00a030 \u20ac aastas).<\/li>\r\n<\/ul>\r\n<p>T\u00e4hele tasub panna aga seda, et maksusoodustus kehtib \u00fcksnes siis, kui t\u00f6\u00f6andja v\u00f5imaldab tervisekindlustuse k\u00f5igile t\u00f6\u00f6tajatele.<\/p>\r\n<p>T\u00f6\u00f6andja ravikindlustus on v\u00e4ga \u00f5igel kohal ka juhul, kui t\u00f6\u00f6andja s\u00f5lmib haigekassa pakutava ravikindlustuslepingu inimesele, kellel ei ole riiklikku ravikindlustust. Ja niisuguseid inimesi ei olegi v\u00e4ga v\u00e4he, sest on v\u00f5imalik, igakuine t\u00f6\u00f6tasu on madalam, kui sotsiaalmaksu minimaalse kohustuse aluseks olev kuum\u00e4\u00e4r.<\/p>\r\n<p>Vaata ravikindlustuse v\u00f5imalusi l\u00e4hemalt Kindlustusesti kodulehelt\u00a0<a href=\"https:\/\/www.kindlustusest.ee\/tooandja-ravikindlustus\">t\u00f6\u00f6andja ravikindlustus<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Eelmisest aastast alates\u00a0saavad t\u00f6\u00f6andjad s\u00f5lmida t\u00f6\u00f6tajatele\u00a0vabatahtliku ravikindlustust kuni 400 \u20ac ulatuses maksuvabalt. Seda v\u00f5imalust on t\u00f6\u00f6andjad kasutanud nii hambaravi\u00a0kui\u00a0erinevate raviteenuste kindlustamisel. T\u00f6\u00f6andja vabatahtlik ravikindlustus\u00a0sisaldab\u00a0kohustusliku ambulatoorse arstiabi kaitset, millele lisanduvad laias valikus erinevaid kindlustuskaitsed:<\/p>\n","protected":false},"author":10,"featured_media":2215,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[81,91],"tags":[],"class_list":{"0":"post-1526","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ettevotlus-ariklient-kindlustus","8":"category-tervis"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>T\u00f6\u00f6andja ravikindlustus<\/title>\n<meta name=\"description\" content=\"Milliseid eeliseid annab t\u00f6\u00f6andja ravikindlustus? Saad tasuda kulud, mida riiklik ravikindlustus ei kata, ja v\u00e4ltida pikki ravij\u00e4rjekordi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"T\u00f6\u00f6andja ravikindlustus\" \/>\n<meta property=\"og:description\" content=\"Milliseid eeliseid annab t\u00f6\u00f6andja ravikindlustus? Saad tasuda kulud, mida riiklik ravikindlustus ei kata, ja v\u00e4ltida pikki ravij\u00e4rjekordi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/\" \/>\n<meta property=\"og:site_name\" content=\"Kindlustusest blogi\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/kaidi1\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-30T12:07:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-17T10:54:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1021\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kaidi Kriel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kaidi Kriel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/\",\"url\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/\",\"name\":\"T\u00f6\u00f6andja ravikindlustus\",\"isPartOf\":{\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg\",\"datePublished\":\"2020-09-30T12:07:00+00:00\",\"dateModified\":\"2025-11-17T10:54:27+00:00\",\"author\":{\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/#\/schema\/person\/03899da18c3a4a7ff07a99c4c3a7d5c8\"},\"description\":\"Milliseid eeliseid annab t\u00f6\u00f6andja ravikindlustus? Saad tasuda kulud, mida riiklik ravikindlustus ei kata, ja v\u00e4ltida pikki ravij\u00e4rjekordi.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#primaryimage\",\"url\":\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg\",\"contentUrl\":\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg\",\"width\":1600,\"height\":1021,\"caption\":\"T\u00f6\u00f6andja ravikindlustus\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.kindlustusest.ee\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"T\u00f6\u00f6andja ravikindlustus &#8211; kiire ligip\u00e4\u00e4s arstiabile\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/#website\",\"url\":\"https:\/\/www.kindlustusest.ee\/blog\/\",\"name\":\"Kindlustusest blogi\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.kindlustusest.ee\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/#\/schema\/person\/03899da18c3a4a7ff07a99c4c3a7d5c8\",\"name\":\"Kaidi Kriel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.kindlustusest.ee\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2025\/05\/Kaidi-Kriel-1-scaled-96x96.jpg\",\"contentUrl\":\"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2025\/05\/Kaidi-Kriel-1-scaled-96x96.jpg\",\"caption\":\"Kaidi Kriel\"},\"description\":\"Kaidi on kindlustusvaldkonnas olnud \u00fcle 14 aasta, l\u00e4bides oma teekonnal nii maakleri, veebihalduri, teenusdisaineri kui arendustiimi liikme etapi. Kaidi on osav tehnikat ja teenindamist omavahel kokku liimima ja muutma kliendi jaoks lihtsaks ka keerulise toote ostmise. Talle on oluline, et kliendid saaksid aru, mida nad ostavad, ning tunneksid igal sammul, et Kindlustusest Kindlustusmaakleris hoolitakse neist t\u00f5eliselt. Kaidil on seenelise silma - ta leiab kliendile sambla alt \u00fcles ka need lahendused, mis algul n\u00e4htamatutena tunduvad.\",\"sameAs\":[\"https:\/\/www.facebook.com\/kaidi1\",\"https:\/\/www.linkedin.com\/in\/kaidi-kriel-84508969\/\"],\"url\":\"https:\/\/www.kindlustusest.ee\/blog\/author\/kaidi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"T\u00f6\u00f6andja ravikindlustus","description":"Milliseid eeliseid annab t\u00f6\u00f6andja ravikindlustus? Saad tasuda kulud, mida riiklik ravikindlustus ei kata, ja v\u00e4ltida pikki ravij\u00e4rjekordi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/","og_locale":"en_US","og_type":"article","og_title":"T\u00f6\u00f6andja ravikindlustus","og_description":"Milliseid eeliseid annab t\u00f6\u00f6andja ravikindlustus? Saad tasuda kulud, mida riiklik ravikindlustus ei kata, ja v\u00e4ltida pikki ravij\u00e4rjekordi.","og_url":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/","og_site_name":"Kindlustusest blogi","article_author":"https:\/\/www.facebook.com\/kaidi1","article_published_time":"2020-09-30T12:07:00+00:00","article_modified_time":"2025-11-17T10:54:27+00:00","og_image":[{"width":1600,"height":1021,"url":"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg","type":"image\/jpeg"}],"author":"Kaidi Kriel","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kaidi Kriel","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/","url":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/","name":"T\u00f6\u00f6andja ravikindlustus","isPartOf":{"@id":"https:\/\/www.kindlustusest.ee\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#primaryimage"},"image":{"@id":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#primaryimage"},"thumbnailUrl":"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg","datePublished":"2020-09-30T12:07:00+00:00","dateModified":"2025-11-17T10:54:27+00:00","author":{"@id":"https:\/\/www.kindlustusest.ee\/blog\/#\/schema\/person\/03899da18c3a4a7ff07a99c4c3a7d5c8"},"description":"Milliseid eeliseid annab t\u00f6\u00f6andja ravikindlustus? Saad tasuda kulud, mida riiklik ravikindlustus ei kata, ja v\u00e4ltida pikki ravij\u00e4rjekordi.","breadcrumb":{"@id":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#primaryimage","url":"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg","contentUrl":"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2020\/11\/bigstock-Doctor-And-Patient-Physician-341127721-2.jpg","width":1600,"height":1021,"caption":"T\u00f6\u00f6andja ravikindlustus"},{"@type":"BreadcrumbList","@id":"https:\/\/www.kindlustusest.ee\/blog\/tooandja-ravikindlustus\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.kindlustusest.ee\/blog\/"},{"@type":"ListItem","position":2,"name":"T\u00f6\u00f6andja ravikindlustus &#8211; kiire ligip\u00e4\u00e4s arstiabile"}]},{"@type":"WebSite","@id":"https:\/\/www.kindlustusest.ee\/blog\/#website","url":"https:\/\/www.kindlustusest.ee\/blog\/","name":"Kindlustusest blogi","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.kindlustusest.ee\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.kindlustusest.ee\/blog\/#\/schema\/person\/03899da18c3a4a7ff07a99c4c3a7d5c8","name":"Kaidi Kriel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.kindlustusest.ee\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2025\/05\/Kaidi-Kriel-1-scaled-96x96.jpg","contentUrl":"https:\/\/www.kindlustusest.ee\/blog\/wp-content\/uploads\/2025\/05\/Kaidi-Kriel-1-scaled-96x96.jpg","caption":"Kaidi Kriel"},"description":"Kaidi on kindlustusvaldkonnas olnud \u00fcle 14 aasta, l\u00e4bides oma teekonnal nii maakleri, veebihalduri, teenusdisaineri kui arendustiimi liikme etapi. Kaidi on osav tehnikat ja teenindamist omavahel kokku liimima ja muutma kliendi jaoks lihtsaks ka keerulise toote ostmise. Talle on oluline, et kliendid saaksid aru, mida nad ostavad, ning tunneksid igal sammul, et Kindlustusest Kindlustusmaakleris hoolitakse neist t\u00f5eliselt. Kaidil on seenelise silma - ta leiab kliendile sambla alt \u00fcles ka need lahendused, mis algul n\u00e4htamatutena tunduvad.","sameAs":["https:\/\/www.facebook.com\/kaidi1","https:\/\/www.linkedin.com\/in\/kaidi-kriel-84508969\/"],"url":"https:\/\/www.kindlustusest.ee\/blog\/author\/kaidi\/"}]}},"_links":{"self":[{"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/posts\/1526","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/comments?post=1526"}],"version-history":[{"count":1,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/posts\/1526\/revisions"}],"predecessor-version":[{"id":2790,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/posts\/1526\/revisions\/2790"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/media\/2215"}],"wp:attachment":[{"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/media?parent=1526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/categories?post=1526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kindlustusest.ee\/blog\/wp-json\/wp\/v2\/tags?post=1526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}