AZE.US
A co-payment mechanism within Azerbaijan’s mandatory health insurance system is drawing renewed public attention. While officials say the model helps improve efficiency and access to medical services, some citizens worry it could increase out-of-pocket healthcare costs.
Azerbaijan’s mandatory health insurance system continues to evolve, with co-payment mechanisms becoming one of the most discussed aspects of the reform.
Under the co-payment model, part of the cost of a medical service is covered by the State Agency for Mandatory Health Insurance, while the patient pays a small portion of the price.
Officials say the system is designed to ensure more efficient use of healthcare resources and improve access to services. At the same time, the broader introduction of co-payment requirements for certain services has been postponed until 2027, meaning that most medical care remains fully covered for now.
Where Co-Payments Already Apply
Currently, co-payments apply mainly to certain diagnostic services, particularly CT (computed tomography) and MRI scans.
Patients typically pay 20 percent of the service cost, while the remaining 80 percent is covered by the insurance system.
Depending on the examination and location, the official tariff for these services ranges roughly from 50 to 120 Azerbaijani manats. This means the patient’s contribution may range between 10 and 24 manats.
The rule applies to services performed in both public and private medical institutions, provided that the scan is prescribed by a physician.
Most Medical Services Remain Free
According to the insurance agency, the state-funded medical services package currently includes more than 3,300 medical procedures and treatments.
When a doctor prescribes a service included in this package, patients receive the treatment free of charge, as the cost is covered by the mandatory health insurance fund.
New Services Being Added
Authorities are gradually expanding the list of services included in the insurance package.
Among recent additions are services for people with severe hearing impairment who use cochlear implants. The insurance system now covers:
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adjustment of speech processors
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replacement of outdated devices
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replacement of damaged processors
Adjustments of the device can be performed up to four times per year within the insurance package.
Future Expansion of Medical Coverage
Officials say further expansion of the services package is under consideration. Planned additions may include:
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revision replacement of prosthetic implants
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new diagnostic and surgical procedures for nervous system diseases
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high-tech cardiology and cardiac surgery services
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treatments aimed at restoring or preserving vision
The government is also preparing to expand coverage for pediatric oncology treatment, with new services expected to be introduced in the coming years.
Free Medication for Hypertension Patients
Starting in 2026, the system is expected to begin providing antihypertensive medications in outpatient settings for patients suffering from high blood pressure, one of the leading causes of cardiovascular disease.
Who Is Covered
Mandatory health insurance currently applies to all citizens of Azerbaijan, regardless of their employment status.
The system has also been expanded to include individuals serving prison sentences, ensuring that they can receive medical care if needed.
For now, the 20 percent co-payment requirement for CT and MRI scans applies to all patients equally, as current legislation does not include separate exemptions for socially vulnerable groups.