---
title: "Health Insurance Law"
url: "https://legal.ge/en/service/healthcare-and-pharmaceutical-law-en/health-insurance-law-en"
field: "Healthcare & Pharmaceutical Law"
description: "Health insurance in Georgia is governed by the Civil Code: contract, written consent, disclosure, compensation and the insurer's obligations. Legal.ge."
reviewed: "2026-07-09"
updated: "2026-10-14"
publisher: "legal.ge"
---

# Health Insurance Law

> Source: legal.ge, https://legal.ge/en/service/healthcare-and-pharmaceutical-law-en/health-insurance-law-en

## Health Insurance Law in Georgia: The General Framework

Georgia has no separate statute devoted to health insurance. The relationship between the policyholder and the insurer is regulated entirely by the Civil Code of Georgia, which determines how the contract is concluded, whose life or health may be covered, when the insurer is released from its payment obligation, and how claims arise and expire. The United States federal health-insurance model and the insurance directives of the European Union do not apply in Georgia; they are comparative reference points only, and the sole legal foundation of your rights and obligations is the Georgian Civil Code.

A second structural point matters just as much. Within the Civil Code, health insurance belongs to the subsystem of damage insurance. Under the norm of Article 843 of the Code addressing health insurance, only the rules on monetary compensation and on the scope of compensation extend from damage insurance to health insurance. Every other question — the formation of the contract, the parties' rights, and the consequences of non-performance — is governed by the general rules of the insurance contract. In practical terms, when you review a policy, its clauses must always be read together with the general insurance regime and with these two damage-insurance rules that apply directly.

The full text is available on legal.ge after signing in: https://legal.ge/en/service/healthcare-and-pharmaceutical-law-en/health-insurance-law-en

### Is health insurance regulated by a separate law in Georgia?

No. Health insurance is governed by the Civil Code; of the damage-insurance rules, only the norms on monetary compensation and its scope extend to this field, with the general insurance-contract rules applying to everything else.

### What is required when insuring another person?

A life insurance contract concluded for the benefit of another person operates only with the written consent of that person or of their legal representative.

### When is the insurer released from its obligation?

Where, in insuring another person, the beneficiary intentionally causes an accident by an unlawful act, the insurer is released from its obligation, and the party acting intentionally forfeits the right to the benefit.

### What happens if the policyholder failed to disclose required information?

The insurer may refuse the contract for non-disclosure, but no longer once five years have passed since conclusion. A wilful breach keeps the refusal option open regardless of the elapsed time.