It's all about you
Insurance as a subscription. Understand it in a minute, take it in a few taps, attach a card once — then run the whole thing from your phone, including on the day something goes wrong.
Leave your email and an EFES advisor comes to you, free — home or office, whenever suits — and builds the package that actually fits your year
It's all about you
Your Lifestyle Journey with Us
200,000+
people insured with EFES
20,000+
already using the app
<1 day
to settle a health claim
<3 days
to settle a motor claim
80% +
NPS — how our clients rate us
Not sure whether you need PLUS or full cover?
If you already hold state UHI, Health PLUS tops it up. If you don't, EFES Health stands on its own. An advisor will tell you which applies to you in one call — no charge, no obligation.
EFES Health
Doctor visits, tests and scans, medicines, operations and hospital stays — paid by us, not out of your pocket. Five plans covering ֏5M to ֏20M a year, including one built for children. Standard — ֏5M limit Smart — ֏5M limit, lower co-payment Premium — ֏10M limit KIDS — for children 0–17 Exclusive — ֏20M limit
EFES Health PLUS
Picks up what state UHI leaves you paying for: specialist consultations, diagnostics, prescriptions and planned operations. Sits on top of the cover you already have. Standard — ֏1M limit Premium — ֏3M limit Exclusive — ֏3M limit, top tier Only available if you hold UHI
EFES Lifecare
Underwritten with Madanes, Israel
A serious diagnosis shouldn't mean settling for whatever is available nearby. Get a second opinion from leading specialists abroad, then the treatment, the hospital and the travel to reach it. Three packages Expert second opinion on your diagnosis Treatment and travel outside Armenia
International Health
Underwritten with Allianz, Germany
Medical cover that works the same in Yerevan, Vienna or Boston — hospital, outpatient and emergency care, with bills settled directly. Limits from USD 500,000 to USD 2 million. 1. Worldwide hospital and outpatient cover 2. Direct settlement with international hospitals 3. Built for people who live or travel between countries
EFES Oncocare
Underwritten with Swiss Re, Switzerland
If cancer is ever diagnosed, we pay you a lump sum in cash — for treatment anywhere, for travel, for the months you can't work. You decide where it goes. Children under 21 are covered free. 1. Six cover levels to choose from 2. Paid as cash, not as reimbursed bills 3. Available from age 18 to 80
EFES Healthy Body
A serious diagnosis shouldn't mean settling for whatever is available nearby. Get a second opinion from leading specialists abroad, then the treatment, the hospital and the travel to reach it. 1. Complete annual screening panel 2.At Vardanants Medical Center, part of our group 3.Priced monthly, like everything else
EFES Medical Concierge
Someone who finds you the right specialist, books the appointment and follows it through — so you're not calling six clinics to find out who does what. 1.Specialist search and appointment booking 2.Coordination across clinics 3.Can be added to any health plan
Choose the service that fits your everyday needs
Cover more of your life, pay up to less.
25%
Discounts stack, up to a maximum of 25% off any single line, with the annual-payment 5% on top of that. Your exact price appears before you pay, with everything already applied.
Cover all three, and a year of travel insurance is on us
EFES Travel Elite, free for a year — 90 days of travel cover in any 365. It's the one product we'd rather give you than sell you.
EFES LIFESTYLE
One app.
Everything it can do.
One subscription.
This isn't a preview — the EFES app is live, and these are the things people do with it every day. Pick one and watch the screen change.
Buy in a few taps
See every product with its price, choose your level, pay. Cover starts the moment it goes through.
Report an accident from the roadside
Your location goes in automatically. Add photos and video of the damage, send it, and stay where you are.
Follow your claim, live
Every stage, as it happens — received, assessed, approved, paid. No calling to ask where it got to.
Your doctor, with a face and a name
See who you're dealing with, read their profile, and message or call them straight from the app.
Roadside and home help, on demand
Order Roadcare or Homecare where you are. You'll see who is coming and how long they'll be.
One subscription, one card
Attach a card once and the monthly payment runs by itself — like your utilities or your TV. Every contract, claim and receipt sits in the same place.
.jpg)
Build your
with an advisor. Free.
package
Twelve products, four ways to bring the price down, and a price that depends on your age and your household. Rather than work it out from a page, have someone do it with you.
A free visit from an advisor
Somewhere convenient, at a time you choose. They'll go through what fits your life and what doesn't — and what you can safely leave out. No charge, no obligation.
Your exact price, not a range
Every discount you qualify for, applied and shown, before you decide anything.
And the travel year, if you take all three
Health, car and home together, and EFES Travel Elite is free for a year.
Questions
actually ask.
people