How do you choose health insurance in Georgia in 2026?

Under the Law of Georgia on Tourism, from 1 January 2026 tourists must present valid health and accident insurance for the entire stay, in physical or electronic form, in Georgian or English. Coverage must be at least ₾30,000. Georgian MFA guidance allows Georgian or foreign insurers and lists diplomatic and a few other exemptions. Keep the policy on your phone at the border, with start and end dates that cover arrival and departure.

That entry policy is a floor, not a long-stay medical plan. If you bounce between visa-free windows, renew continuous cover so there is no gap on re-entry. Point-of-use clinic prices sit in Healthcare costs.

Local private insurers such as GPI, Imedi L, Ardi, TBC Insurance, and similar brands commonly quote basic-to-standard adult monthly premiums in rough ₾40–90 bands, with richer outpatient and dental add-ons higher. These plans suit people living mainly in Tbilisi who want hospital backup without Western international prices. International policies cost more and make sense when you need medical evacuation or multi-country travel.

Georgia’s Universal Healthcare Program covers eligible citizens and certain resident categories. It is not a default free system for every foreign newcomer after a lease signing. Confirm any public-eligibility claim against your real status after residence. Budget clinic cash and premiums inside the monthly budget.

Batumi and regional towns have thinner specialist depth; serious cases often route to Tbilisi: Living in Tbilisi and Living in Batumi. Finish phone and banking early so insurers can reach you: Get a mobile phone and the wider paperwork sequence.