More than 762,000 people used the services of the universal health insurance system in Armenia from January to June
22.07.2026,
15:43
The number of beneficiaries of the universal health insurance system in Armenia reached approximately 1.8 million as of June 2026, reported Samvel Kharazyan, Acting Director General of the Universal Health Insurance Fund.
YEREVAN, July 22. /ARKA/. The number of beneficiaries of the universal health insurance system in Armenia reached approximately 1.8 million as of June 2026, reported Samvel Kharazyan, Acting Director General of the Universal Health Insurance Fund.
"Of this number, 762,404 people used some or all of the services of the insurance package. In fact, every second insured person used some service of the insurance package," Kharazyan said at a press conference on Wednesday.
According to him, 35,961 beneficiaries received only medications as part of the insurance package.
Kharazyan reported that the Fund's average expenditure per beneficiary using its services, excluding medications, has been approximately 60,000 drams in recent months. In June, this figure reached 61,000 drams.
According to him, since February, an average of approximately 50,000 new beneficiaries who had not previously used state healthcare programs have been registered in the system each month.
The insurance package includes 2,882 medical services. In the first six months of the system's operation, reimbursements for services rendered amounted to 102.4 billion drams.
"The overwhelming majority of expenses were directed toward expensive and urgent surgeries designed to improve quality of life and save lives," Kharazyan noted.
He added that the insurance package includes approximately 1,340 medications, of which 1,160 were actually prescribed. Average expenditure on medications per insured person who used them is approximately 20,000 drams. About the Compulsory Health Insurance System in Armenia
The compulsory health insurance system will be implemented in Armenia on January 1, 2026, over a three-year period from 2026 to 2028.
Starting in 2026, the system will include two groups. The first includes citizens with salaries between 200,000 and 500,000 drams. The second includes minors under 18, individuals aged 18–65 with disabilities (Groups I, II, and III), citizens aged 65 and older, and socially vulnerable families with a score of 28 or more. For the second group, 100% of the costs will be covered by the state.
In the second stage, beginning in 2027, the system will include individuals with salaries up to 200,000 drams, and from 2028, the remaining groups, including those employed in agriculture and their families, will be included.
The estimated cost of the medical insurance package is 129,600 drams per year, with the option to pay monthly. The insurance package covers the most commonly used medical services, including outpatient care, family doctor visits, specialist consultations, and laboratory tests (within a set annual limit). The list of services will be gradually expanded and refined, including certain surgical procedures, such as ophthalmological (cataracts), cardiovascular, and other procedures.
The 2026 state budget of Armenia allocates 127 billion drams for the implementation of the mandatory medical insurance system. ($1 = 366.68 drams).
"Of this number, 762,404 people used some or all of the services of the insurance package. In fact, every second insured person used some service of the insurance package," Kharazyan said at a press conference on Wednesday.
According to him, 35,961 beneficiaries received only medications as part of the insurance package.
Kharazyan reported that the Fund's average expenditure per beneficiary using its services, excluding medications, has been approximately 60,000 drams in recent months. In June, this figure reached 61,000 drams.
According to him, since February, an average of approximately 50,000 new beneficiaries who had not previously used state healthcare programs have been registered in the system each month.
The insurance package includes 2,882 medical services. In the first six months of the system's operation, reimbursements for services rendered amounted to 102.4 billion drams.
"The overwhelming majority of expenses were directed toward expensive and urgent surgeries designed to improve quality of life and save lives," Kharazyan noted.
He added that the insurance package includes approximately 1,340 medications, of which 1,160 were actually prescribed. Average expenditure on medications per insured person who used them is approximately 20,000 drams. About the Compulsory Health Insurance System in Armenia
The compulsory health insurance system will be implemented in Armenia on January 1, 2026, over a three-year period from 2026 to 2028.
Starting in 2026, the system will include two groups. The first includes citizens with salaries between 200,000 and 500,000 drams. The second includes minors under 18, individuals aged 18–65 with disabilities (Groups I, II, and III), citizens aged 65 and older, and socially vulnerable families with a score of 28 or more. For the second group, 100% of the costs will be covered by the state.
In the second stage, beginning in 2027, the system will include individuals with salaries up to 200,000 drams, and from 2028, the remaining groups, including those employed in agriculture and their families, will be included.
The estimated cost of the medical insurance package is 129,600 drams per year, with the option to pay monthly. The insurance package covers the most commonly used medical services, including outpatient care, family doctor visits, specialist consultations, and laboratory tests (within a set annual limit). The list of services will be gradually expanded and refined, including certain surgical procedures, such as ophthalmological (cataracts), cardiovascular, and other procedures.
The 2026 state budget of Armenia allocates 127 billion drams for the implementation of the mandatory medical insurance system. ($1 = 366.68 drams).
