GPI Holding Health Insurance: Medi and Exclusive Plans, Prices, Reviews

GPI Holding is a joint-stock company that has operated in Georgia since 2001 and is part of Vienna Insurance Group. Both of its licences — for life insurance and for all other types of insurance, including health insurance — were issued in 2006 and remain valid: the company is on the list of 19 licensed insurers.

Key dates since 2001

1. 2001 — founded in Georgia; according to the company, it started out as a private pension fund.
2. 2005 — launched individual health insurance plans (according to the company).
3. 2006 — joined Vienna Insurance Group, VIG (according to the company); on 13 October it received licences L 002 and NL 002.
4. 2010 — on 26 November VIG bought the remaining 40% of the TBIH holding, through which it owned the company.
5. 2019 — sold its 65% stake in the hospital company Geo Hospitals; it kept its subsidiary Curatio.

Owners, licences and audit

The parent company is Vienna Insurance Group.

KPMG Georgia audited the 2025 financial statements and gave an unqualified opinion; the regulator's capital requirements are met (audited financial statements). The company has no rating of its own from rating agencies: the A+ from S&P is assigned to the VIG group. The regulator does not disclose fines imposed on individual insurers.

GPI's share of health insurance in Georgia

In 2025 the company was first in Georgia by health insurance premiums (24.1%); in the first six months of 2026 it was second (16.3%). In retail — policies that people buy for themselves — it was first in both periods: 55.1% and 49.4%.

The payout ratio is how much the company paid out for every 100 ₾ of premiums over the period.

The cheapest GPI insurance is the Medi Standard plan: for Georgian citizens from 36 ₾ a month or 432 ₾ paid at once for a year, for foreigners from 540 ₾ a year.

Medi rates also depend on the base clinic; from age 60 you pay 120 ₾ a year more. The company may raise the price by 30%, warning you by SMS (clause 5.4.2.10). The Basic and Optimal plans are not sold online; Onco Care is a payout in case of cancer, not health insurance.

Exclusive has a family option with one shared limit for the whole family (clauses 1.18 and 7.2). In Exclusive the price can be raised on renewal by no more than 30%, and the SMS comes a month in advance (clauses 8.2 and 10.2.2).

Medi or Exclusive: a personal doctor or any clinic

Medi is cheaper, but planned care under it goes through a personal doctor and on their referral. With Exclusive you choose the clinic yourself: you can go to any clinic without a referral — you pay the bill and claim reimbursement within 30 days — while at a network clinic, on a personal doctor's referral, you pay only your share (clause 4.7.2).

You choose the base clinic from 15 when you buy; in Tbilisi they include two clinics of Curatio, a GPI subsidiary. A clinic that has no contract with the company can be used on referral only with the Classic or Premium plan (clause 3.6.2). Under its rules, Medi is an add-on to the state healthcare programmes and works only together with them (clause 5.2.2).

For the first 14 days after purchase a GPI policy gives no help, not even in an emergency. So you need to buy it in advance.

Under the rules, the first premium is paid at least 14 days before the insurance period begins. You can use the policy 14 days after the contract is concluded (Medi, clauses 5.1.2 and 5.7.2; Exclusive, clauses 3.2 and 13.2). When you buy on the website, the start date is automatically set 14 days ahead; the same rule applies in the contract for foreign students (clause 6.2).

How long to wait for planned hospital care and childbirth

Emergency care is available right after the first 14 days; planned hospital care comes after a 12-month waiting period in both policies (clause 2.6.3 of the Medi rules). Only Exclusive pays for childbirth — from month 25; there is no waiting period for dental care.

Yes, including online: both policies are sold to people without Georgian citizenship. There are no discounts for them, and on the website they can only pay for the full year at once.

Age limits in Medi: women up to 60, men up to 65 (clause 5.3.14); costs under it are reimbursed at the prices for Georgian citizens (clause 4.7). It works only together with the state programmes (clause 5.2.2) — the rules do not explain how this works for people who are not part of them. Exclusive is not sold to people aged 60 and over (clause 9.1); for everyone else the rate is 1.5 times higher (Annex 2). The application form asks for your citizenship and passport number; the website, personal account and app are in Georgian and English, with no Russian.

Both policies pay for emergency and planned care, medicines and dental treatment; the limit is set separately for each service, and the rules have no overall annual limit. There is no deductible either: the company pays its percentage of the bill, and the rest is your co-payment (Exclusive, clause 1.5; Medi, clause 1.14).

Limits for hospital care and childbirth

Exclusive has higher hospital limits, and only Exclusive pays for childbirth.

Which illnesses are not covered, including chronic ones

The policies do not pay for illnesses on the exclusions list, for tumours that existed before the insurance began, or for a hospital stay that started before the policy took effect. The rules have no general exclusion for conditions you had before buying.

The exclusions are in section 4 of the Medi rules and section 5 of the Exclusive rules:

• excluded entirely: HIV/AIDS, hepatitis, diabetes, STIs, mental illness, epilepsy, and in Exclusive also chronic blood diseases and tuberculosis;
• tumours that existed before the insurance began; in Medi, benign ones too;
• Medi only: childbirth, cataracts, radiotherapy and chemotherapy;
• in both: congenital conditions (in Exclusive, surgery for them is paid from month 72), cosmetic treatment, weight and vision correction, sanatorium stays, IVF, the effects of alcohol and drugs, professional sport.

In an emergency, first call the medical line on +995 32 2 505 111, otherwise the costs are not reimbursed. At a network clinic the company pays the bill and you pay your share; at other clinics you pay yourself and claim reimbursement.

1. Emergency: call before you get care and give your full name, policy number, the clinic and the time (Medi, clause 3.5.1; Exclusive, clause 4.6.3).
2. Planned surgery: documents at least 5 working days in advance; the guarantee letter is issued on the basis of Form No. 100 and a cost breakdown; without approval Medi does not pay, and Exclusive pays 10% less.
3. Medicines: on your personal doctor's prescription; at partner pharmacies you pay only your share.
4. Reimbursement: in the MyGPI app or your personal account within 30 days of the date of service, with your ID, Form No. 100 signed and stamped, the cost breakdown and the till receipt.

As of 18 October 2026, GPI's list has 370 contracts with clinics for holders of both policies; more than half are in Tbilisi.

One clinic can have several contracts — for different branches and specialties; corporate dental clinics are not included. Contracts: Tbilisi 192, Imereti 37 (Kutaisi 18), Adjara 26 (Batumi 20). The company may change the list while the policy is in force (clause 5.4.2.8 of the Medi rules); addresses are in our list of GPI clinics by city on 100doc.ge.

The head office listing on Google Maps has 3.5 out of 5 from 695 ratings (as of 18 October 2026). The ratings are polarised: 343 five-star and 204 one-star, and recent ones are lower — an average of 1.97 from 37 ratings in 2025 and 2.02 from 45 ratings since the start of 2026.

The company has replied to 28 of the 695 reviews (4%).

What people complain about and what they praise

The most common complaints are refused or partial reimbursement and how hard it is to get through by phone.

• Complaints (number of reviews): refused or partial reimbursement — 42, can't get through — 34, staff — 24, price and automatic renewal — 18, family doctor and referrals — 14.
• Praise: speed — 9, cover without problems — 7, attentive managers — 7.

We sorted all 257 reviews with text by topic; one review could fall under several topics.

• Natalia · 6 August 2026 · ★★★★★ 5 out of 5

  “They fully covered my hospitalization”.

• Владислава Архипова · 2 July 2026 · ★★★★★ 1 out of 5

  “…instead of support, all I got was a search for reasons not to pay compensation” (translated from Russian).

• Dj · 22 May 2026 · ★★★★★ 1 out of 5

  “…they pass you from manager to manager, give no feedback, the promised callbacks never come, letters and requests are simply ignored” (translated from Russian).

All GPI Holding reviews on Google Maps

The medical line is +995 32 2 505 111; for all other questions, +995 32 2 605 111; both work 24/7. There are offices in Batumi, Tbilisi, Kutaisi (23 Rustaveli Street) and 7 other cities.

GPI office in Batumi: address and opening hours

The office is at 30 Nikoloz Baratashvili Street; according to its Google Maps listing it is open on weekdays from 10:00 to 18:00. Neither the company's website nor the listing gives a phone number for the office, so for GPI insurance in Batumi you call the general number.

Offices in Tbilisi: head office and customer service office

There are two addresses in the capital: the head office at 67 Merab Kostava Street (Mon–Fri 9:00–18:00, Sat 10:00–16:00) and the customer service office at 88/15 Bochorishvili Street (Mon–Fri 9:30–18:30).

First a complaint to the company, then the free Insurance Mediation service or the Insurance State Supervision Service, and only after them the courts.

1. The company: via the hotline, by letter, at info@gpih.ge or through the form on its website; under the website's rules, the reply takes up to a month.
2. Insurance Mediation of the Association of Insurance Companies of Georgia — free of charge and before going to court, tel. 2 555 155.
3. 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 does not resolve contractual disputes.
4. A court of general jurisdiction at the insurer's location — if 30 days of negotiations have not led to an agreement (mediation and court: Exclusive, clauses 15.2–15.3; Medi, clauses 5.9.2–5.9.3).

GPI offers two models to choose from — a personal doctor or any clinic — and help only starts 14 days after purchase.

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