Imedi L Health Insurance: UNO Active and UNO Comfort Prices, Terms, Reviews

Imedi L is 28 years old and has had its current name since 2014; its ultimate owner is Georgia Capital PLC, whose shares trade on the London Stock Exchange.

How Aldagi became Imedi L: key dates

The company used to be called Aldagi; the Imedi L brand comes from an insurer of the same name bought in 2012.

1. 1998 — JSC Insurance Company Aldagi is founded on 11 August, ID code 204919008 (2025 audit).
2. 2006 — licences L 001 and NL 001 under Order No. 16 of the Head of the Supervision Service.
3. 2006 — BCI, part of the Bank of Georgia group, buys the company; after the merger it is called Aldagi BCI.
4. 2012 — the group buys 85% of the insurer Imedi L, together with the brand.
5. 2014 — on 31 July the company is split and renamed Imedi L: health insurance stays with it, property insurance goes to a new Aldagi.
6. 2024 — Georgia Capital brings its insurance companies together under JSC A Group.

Licence, owner and reliability

Licences L 001 and NL 001 are valid: the company appears in the Supervision Service's list of licensed insurers as of 8 October 2026.

The regulator requires minimum capital of 7.2 million ₾. According to the 2025 financial statements audited by EY, the company meets this requirement, and its net loss of 61.2 million ₾ is due to a one-off payment of 71.9 million ₾ under a court ruling. The regulator does not publish fines for individual companies, only the total amount.

Why Imedi L is first by premiums but fifth among individual customers

Almost all of its premium growth over the half-year — 89.9% against 22.9% for the market — came from state contracts, where the company ranks first.

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

Two plans are sold online: UNO Active, which works through a family doctor, and UNO Comfort, with a free choice of clinic for outpatient care. They cost from 50 to 99 ₾ a month.

• There is no deductible (Important Terms and Conditions, section 4).
• Select is sold only on request: the price is set individually, and the age limit is under 65.
• Foreign students have a separate policy for 6 or 12 months (limit 30,000 or 70,000 ₾); corporate insurance is available on request.
• There are no separate insurance rules: the terms are in the contract itself, and if the language versions differ, the Georgian text prevails (Annex 2, clause 10.8). The company may change the standard terms on its own, by an act that states the date it takes effect (the contract's Special Terms and Conditions).

UNO Active or UNO Comfort: through a family doctor or outpatient care at any clinic

On Active, planned care goes only through a family doctor and only to network clinics. On Comfort, you can get outpatient care at any licensed clinic and part of the cost is reimbursed, but planned inpatient care is also network-only (clause 2.5.4).

• Active: a referral from your family doctor, including an electronic one (Annex 1, clause 2.6.4); medicines with the doctor's letter of guarantee at GPC and Pharmadepot pharmacies (clause 2.7).
• Comfort: planned outpatient care is reimbursed at 50% (60% on Comfort+); at “exclusive” clinics with a referral, at 60% and 70% (clauses 2.6.5–2.6.6).

Yes. A foreigner can buy UNO online with a passport, at the same price and with the same age limit as a Georgian citizen — under 60; you can pay monthly.

The contract has no citizenship restrictions; the online form also includes Russia, Belarus and Ukraine.

What documents you need to buy online

A foreigner needs a passport or a Georgian residence permit; the buyer must be 18 or over, and one purchase can cover up to 5 people.

Which languages does Imedi L support?

Georgian and English: support, the website and the contracts are in these two languages, and Imedi L does not offer Russian. Documents for reimbursement must be in Georgian or come with a notarised translation (Annex 2, clause 2.6.2).

From what age can a child be insured?

From birth: both online policies cover ages 0 to 59 in full years. A foreign child under 14 needs a birth certificate, a passport and a parent's document (contract, section 1).

48 hours after issue, the online policies start working: emergency care, ambulance and family doctor (contract, section 3). Select starts at 24:00 on the fourteenth day after issue.

What is available right away and what after 6 and 12 months

After 12 months, the policy starts paying for planned inpatient and day hospital care, cancer surgery and planned heart surgery. On Comfort, outpatient treatment of chronic conditions and the medicines for it have a 6-month wait. Dental care, diagnostic tests and antenatal care have no waiting period (Annex 1, clause 2.14).

Does previous cover with Imedi L count?

Yes, if the gap between your contracts with Imedi L is no more than a month (Annex 1, clause 2.14).

Family doctor, ambulance and emergency outpatient care are covered at 100%; emergency inpatient care at 100% up to 5,000 ₾ (10,000 ₾ on Active+ and Comfort+), plus the same amount again, separately, after an accident. There is no overall annual limit.

Limits by plan in figures

On Active+ and Comfort+ the limits are almost twice as high.

Emergency outpatient care is paid in full for a closed list of conditions (clause 2.6.2; on Comfort, 2.6.3); other urgent care comes out of the planned care limit. The policy does not work abroad (clause 4.1.8).

Which conditions and services are not covered

The policy does not pay for treatment of tumours (except surgery), mental disorders (clause 4.1.2) or childbirth (clause 4.1.22). There is no blanket exclusion for pre-existing conditions: only what you concealed in the application form is not covered (clause 4.1.19).

• tumours: diagnostics, chemotherapy, radiotherapy and hormone therapy; cancer surgery is paid after 12 months (clause 4.1.21);
• diabetes, chronic kidney and liver failure — except emergency care, surgery and initial diagnosis (clause 4.1.4);
• hepatitis B and C and HIV, except initial diagnosis (clause 4.1.5); on Active, robotic surgery as well (clause 4.1.13).

Call the 24/7 call centre on +995 32 292 22 22. At a network clinic, with a referral or a letter of guarantee, you pay only your share; at any other clinic you pay the whole bill yourself. Outside the network, planned inpatient care is not reimbursed, and on Active neither is planned outpatient care.

1. Emergency — call an ambulance through the call centre; it is best to report a hospital admission within 24 hours. In the network the company pays; outside it you pay yourself and claim reimbursement (Annex 1, clauses 2.5.3, 2.5.6).
2. Planned hospital admission — only at a network hospital with a letter of guarantee, which is issued within 3 working days (clause 2.5.4).
3. Documents — medical certificates with a signature and stamp, the original receipt and, for planned care, the doctor's referral (clause 2.6.5; on Comfort, 2.6.7); everything in Georgian or with a notarised translation.
4. Deadlines — submit your claim in your online account (the “electronic policy”) no later than 30 days after the date of payment; the money is paid within 10 working days of receiving all documents (clauses 2.11–2.13).

The Imedi L app and online account

In the app and online account you can book a family doctor for a visit, a call or a video consultation, get referrals, claim reimbursement and check your limits.

According to the official list of 7 May 2026, the online policies are accepted at 194 clinics in 65 towns and villages; Select has a separate list. The company may change the network (Annex 2, clause 2.2.9), so it is best to check a clinic with the call centre.

Addresses and ratings are in our list of Imedi L clinics by city.

The head office has 3.3 out of 5 from 492 ratings on Google Maps (18 October 2026): 262 five-star and 196 one-star ratings. Customers praise the managers and complain about refused reimbursements and long waits on the phone line.

In 2026 the office received 236 of the 492 ratings, with an average of 3.93 against 1.68 in 2025. The company has replied 175 times (35.6%), all since May 2026.

Complaints and praise by topic, in figures

We sorted all 217 reviews that contain text by topic.

• Complaints: refused or partial reimbursement — 43, cannot get through on the phone — 40, staff — 27, family doctor and network clinics — 21, website and app — 12.
• Praise: managers and staff — 47, speed — 25, reimbursement without problems — 10.

• Mariam Gogenia · 21 September 2026 · ★★★★★ 1 out of 5

  “I am very dissatisfied with the insurance service, especially with the process of reimbursing medical expenses. Most of the laboratory tests prescribed by the doctor were not reimbursed…” (translated from Georgian).

• Ilya ryabov · 30 June 2026 · ★★★★★ 5 out of 5

  “Excellent insurance company! There were no problems with reimbursement” (translated from Russian).

• Даниил Подскамеечный · 12 June 2026 · ★★★★★ 1 out of 5

  “The app doesn’t work, and you can’t do anything on the website. Cancelling the contract is an extremely complicated process…” (translated from Russian).

All Imedi L reviews on Google Maps

The hotline is +995 32 292 22 22, 24/7, shared by the assistance service and the offices; email: info@imedil.ge.

There are also offices in Poti, Zugdidi, Rustavi, Telavi, Akhaltsikhe and Gori.

First a written complaint to the company's Department for Protecting the Interests of Insured Persons (reply within 30 days), then mediation or the Insurance State Supervision Service, then court.

1. To the company — in writing, using the form in Annex 4 to the contract.
2. A dispute over money — to the free Insurance Mediation service of the Georgian Insurers Association: tel. 2 555 155, mediacia@insurance.org.ge.
3. The Supervision Service. 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 — the courts do.
4. Court — Tbilisi City Court (Article 6.1).

Among insurance companies in Georgia, Imedi L offers help after 48 hours and one price for any citizenship, but only for people under 60.

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.

What to weigh up before buying a UNO policy

For:

• help 48 hours after issue;
• on Active, no waiting period for outpatient care and dental care;
• no deductible.

Against:

• on Active, network clinics only and a doctor's referral; medicines only at two pharmacy chains;
• on Comfort, a 6-month wait for outpatient treatment of chronic conditions;
• the online plans do not pay for treatment of tumours, other than surgery, or for childbirth.