ARDI Health Insurance in Georgia: Vitamins Plans, Prices and Reviews

ARDI is a Georgian insurer in the Georgia Capital group, holding licences L 020 and NL 020.

How the company has changed since 2010

Today's ARDI is the second company to carry the brand.

1. 2010 — the first company under the ARDI brand received a licence for all types of insurance except life insurance.
2. 2014 — the same company received a life insurance licence.
3. 2022 — a mobile app was launched with family doctor booking.
4. 2023 — the new company was founded on 3 December.
5. 2024 — on 22 April the new company received its licences, and on 1 May it bought part of the insurance contracts, the staff and the brand from the previous company.

Who owns the company and what licences it holds

The company is owned by JSC A Group, part of Georgia Capital PLC (listed on the London Stock Exchange), and Probus Capital; both licences are valid.

Where the company ranks in health insurance

Third by premiums, with 15.9% of the market in the first half of 2026; in retail, that is policies for individuals and families, it ranks second.

The payout ratio shows how much the company paid out in health insurance claims for every 100 ₾ of premiums it received.

Solvency at the end of 2025 was 136%, against a requirement of more than 100%; the regulator does not disclose fines by company.

ARDI has one health policy for individuals, Vitamins by ARDI, with levels A to E, and each level is sold in two versions: Family Doctor or Free Choice. For non-Georgian citizens a one-year policy costs 900 to 1,980 ₾; the calculator does not ask for age or gender.

The price is multiplied by the number of people insured, with no family discount; there is no deductible.

How Family Doctor plans differ from Free Choice plans

Family Doctor is cheaper, but planned care is available only with a referral from your family doctor (clause 3.3). On Free Choice plans you can see a specialist or go for tests without a referral (clause 1.12).

• Family doctors work in the ARDIMEDI network (clause 1.2); you can book in advance through the ARDIANA assistant on the hotline (rules No. 3 and No. 5 of the contract).
• On Free Choice plans, medicines can be bought at any licensed pharmacy; with a family doctor's referral, purchases at PSP, Aversi, Pharmadepo and GPC get an extra 5% of coverage (clause 1.13).

Can the price change during the year?

Yes. Once per calendar year the company may raise the policy price by no more than 50%, but it must give 30 days' written notice (Article 7 of the rules). You can reject the new price, and the contract then ends with no further obligations (clause 7.4). If the lari falls by 25% after you buy, the insurer may revise the terms and rates (clause 4.4).

If claims paid exceed what you have already paid, you will have to pay the rest of the annual price when the contract ends for any reason, even for late payment (clause 6.2). If a service costs more than the unpaid balance, that balance is deducted from your reimbursement (clause 4.5).

Yes. Expats can buy Vitamins online with a passport, and no residence permit is required. There is no monthly payment: you pay for the year in full or in 2 or 4 instalments. For Georgian citizens the policy is cheaper.

A general guide to health insurance for foreigners in Georgia is available on our Russian-language blog.

How to buy and pay for a policy online

You need your passport (number and a scan) and a Georgian mobile number to receive an SMS code; you pay in the same place.

• The main insured person must be 18 or older; children are added as additional insured persons.
• The start date is chosen 3–5 days after purchase.

Can I insure a child?

Yes, from the first day of life, as an additional insured person on an adult's policy. Reimbursement for a minor is paid to the parent (clause 10.5).

Need a policy just for a trip?

Vitamins is an annual health policy for living in Georgia. For a trip you need travel insurance; how expat cover differs from travel cover is explained in an article on our Russian-language blog.

ARDI's rules set no general waiting period: emergency care is covered from the policy start date. Waiting periods for planned services and for pregnancy and childbirth (clause 1.8) are not published in the company's public documents, so check them with the hotline before you buy.

The policy comes into force once the first two months are paid; services before that are not covered (clauses 10.2 and 2.26).

Does the waiting period restart on renewal?

No. Waiting periods count from your first Vitamins contract, and on renewal you can move up only one level (clause 5.2).

The policy pays 100% of hospital treatment within the limit for that service, and 40–80% of outpatient care, medicines and planned dental care. Not covered are, for example, cosmetic treatment, psychotherapy, IVF and prostheses.

What the policy pays at each level

The policy also includes (the company does not publish the limits): an ARDIMEDI family doctor, ambulance, doctor home visits in Tbilisi and Batumi, pregnancy and childbirth, emergency dental care and urgent vaccinations, nursing care after surgery, and professional teeth cleaning twice a year (clauses 1.2–1.4, 1.8, 1.9, 1.11, 1.15, 1.16). The policy is valid in Georgia, excluding the occupied territories; planned treatment is also available at partner clinics in Turkey (clause 1.18).

What is not covered and when a claim can be refused

The main exclusions (section 2 of the rules): diabetes, chronic and viral hepatitis (except hepatitis A) and chronic kidney failure outside emergencies, congenital and mental illnesses (clauses 2.1, 2.2, 2.6); cosmetic treatment, psychologists and psychiatrists, rehabilitation, physiotherapy, planned vaccinations, IVF, prostheses, implants, orthodontics and glasses (clauses 2.9–2.15, 2.24); extreme sports and road accidents while driving under the influence (clauses 2.20, 2.22).

Grounds for refusal: documents submitted more than 30 days after the event (clause 10.4), no referral on Family Doctor plans (clause 3.3), failure to report another health policy (clause 10.7); late payment, until the debt is paid, and after a month the contract ends (clause 9.10).

In an emergency, call the hotline on 2 10 10 10 or an ambulance; any clinic will do. If you paid yourself, submit the documents in your My Room account within 30 days of the event; the money is paid within 10 working days after all documents are in.

1. Emergency. +995 32 2 10 10 10, from a mobile 0322 10 10 10, around the clock; any ambulance and any clinic (clause 3.3). The ARDIANA assistant answers first; to reach an operator, say "Please transfer me to an operator".
2. Family Doctor. A referral or a guarantee letter for planned inpatient care takes up to 10 working days; apply in My Room (clauses 3.4, 3.5). These services are not reimbursed in cash (clause 3.3).
3. Free Choice plans. You pay yourself and claim reimbursement (clause 3.1).
4. Documents. Receipt and invoice, form IV-100/a, prescription, cost calculation, doctor's reports, ID document and bank details (clause 3.1).
5. Deadlines and originals. Online claims are reviewed within 3 working days; originals go to an office before the policy ends and no later than 6 months after payment (clause 3.6).

You can do the same in the ARDI App, rated 4.5 on the App Store and 4.0 on Google Play.

Family doctors work at ARDIMEDI network clinics, planned dental care is at partner dental clinics, and emergency care is available at any licensed clinic in Georgia. The partner list on the company's website dates from October 2022; there is no newer public list.

Check the clinic for a planned visit with the hotline or in the app. Our list of ARDI clinics by city on 100doc.ge is based on that list, and the map of clinics that accept insurance shows clinics for all companies.

ARDI's head office has a rating of 4.3 out of 5 on Google Maps from 464 ratings as of 18 October 2026: 337 five-star and 63 one-star.

Of these, 166 ratings come with a written review, and the company replied to 121 of the 464 (26%). We counted what people write about:

• complaints: refused or partial reimbursement — 18, staff — 15, hard to get through and long waits — 14, price and contract — 10;
• praise: personal managers and staff — 32, speed — 14, smooth payouts, coverage and clinics — 8.

The reviews below are quoted in their original English.

• Yaros Ign · 29 September 2026 · ★★★★★ 5 out of 5

  A great Insurance Company with exceptional service…

• Tamar Lekiashvili · 17 April 2026 · ★★★★★ 5 out of 5

  Service is fast, professional, and truly customer-focused.

• Hemraj Tharu · 6 June 2026 · ★★★★★ 4 out of 5

  They are helpful, and tries to help for there services they provide about there insurance.

• Александр Роздин · 8 September 2026 · ★★★★★ 1 out of 5

  For a tariff that costs around 1,000 dollars per person per year, nothing is covered. Refusal after refusal.

The dollar amount is the reviewer's own figure.

All ARDI reviews on Google Maps

The hotline +995 32 2 10 10 10 works around the clock; offices have no separate numbers. Five Insurance Houses in four cities are open on weekdays from 10:00 to 18:00.

Tbilisi also has a second Insurance House. Email: office@ardi.ge for general questions, sos@ardi.ge for complaints.

First, a written complaint to the company; then mediation or the Insurance State Supervision Service; the last step is court.

1. Complaint. At any Insurance House, through the Voice of Customer form on the company website or at sos@ardi.ge; confirmation within 2 days, a reply within 10, and 30 days at the latest.
2. Mediation or the Supervision Service. A dispute over the contract can be taken free of charge to the Insurance Mediation Service of the Association of Insurance Companies of Georgia, a voluntary mediator and not a state body (mediacia@insurance.org.ge). If the company has not replied within 30 days or you are not satisfied with the reply, you can write to the Insurance State Supervision Service of Georgia. The Service checks whether the law has been broken, but it does not resolve contractual disputes; those are decided by the courts.
3. Court. If no agreement is reached, a Georgian court (clause 9.8 of the rules).

With ARDI, emergency care is covered from the policy start date, which online buyers choose 3–5 days after purchase; foreigners cannot pay monthly.

Prices per the insurers' calculators on 14–15 October 2026; rank by health insurance premiums for January–June 2026 (Insurance State Supervision Service of Georgia); Google ratings as of 18 October 2026. Insurers count clinics differently, by contracts, names or addresses, so the numbers cannot be compared directly.

All insurance companies in Georgia are listed in our insurance section, and you can compare policies side by side.

What to consider before buying

Pros: a choice between Family Doctor and Free Choice; planned treatment at partner clinics in Turkey. Cons: expats cannot pay monthly, buying online requires a Georgian phone number, the price may be revised during the year, waiting periods for planned services are not published, and there is no recent clinic list.