17. oktoober 2026

Inimesed jätavad järjest rohkem raviarveid maksmata

People are leaving more and more medical bills unpaid

Poolteist aastat tagasi läks neli korda kallimaks. Väljastamistasu tõusis viielt eurolt 20 eurole ja tõusis 2,5 euro pealt viiele.

Pärast seda on Põhja-Eesti regionaalhaiglas kahekordistustunud võlgu jäänud patsientide arv. Võlasumma on kolmekordistustunud. „Seal on voodipäevatasusid umbes 70 protsenti ja sid, põhiliselt kiireabi d, mis võlgu jäädakse, on 30 protsenti,“ ütles PERH-i teenindusjuht Anneli Habicht.

Habichti sõnul on pooltel juhtudel tegemist lihtsa unustamisega. Teine pool ei kavatsegi maksta. Enne inkassosse pöördumist püüab haigla paari kuu jooksul võla omal käel kätte saada. „Kui me vaatame, millised sihtgrupid meile rohkem võlgu jäävad, siis tundub, et on ja ka päris noored . Mehed kipuvad rohkem ,“ ütles Habicht.

Mullu jäi Narva haiglale võlgu ligi 2200 inimest. Üldiselt on tegemist väikeste summadega, mis makstakse pärast t ära. „Praegusel aastal üheksa kuuga on umbes 25 protsenti tõusnud ,“ ütles Narva haigla juht Üllar Lanno.

Tartu ülikooli kliinikumil pole selliseid muresid. „Kliinikum saab peamise tulu ust. Inimeste moodustab alla kolme protsendi sellest,“ ütles TÜ kliinikumi juhatuse liige Joel Starkopf.

Julianus Inkasso sõnul on haiglate nõuete arv kasvanud mõne protsendipunkti jagu. Mõni on esitanud nõudeid 10 protsenti enam. „Kui see viis eurot oli , siis seda oli natukene lihtsam tasuda,“ ütles Julianus Inkasso tegevjuht Merle Laurimäe.

Üle poole võlglastest maksavad peale Inkassolt tulnud kirja aasta jooksul võla ära. Siis tuleb raha leida ka e ja kuni 30-eurose sissenõude tasu jaoks. „55 euro ringi võib see kerkida maksimaalselt,“ ütles Laurimäe.

A year and a half ago, visiting a doctor became four times more expensive. The discharge fee increased from five euros to 20 euros, and the daily bed fee rose from 2.5 euros to five.

Since then, the number of patients in debt at North Estonia Medical Centre has doubled. The debt amount has tripled. "About 70 percent are daily bed fees, and 30 percent are discharge fees, mainly emergency discharge fees that remain unpaid," said Anneli Habicht, service manager of PERH.

According to Habicht, half the cases are simply due to forgetfulness. The other half have no intention of paying. Before turning to a collection agency, the hospital tries to collect the debt on its own within a couple of months. "If we look at which target groups owe us more, it seems to be elderly people and quite young adults. Men tend to owe more," said Habicht.

Last year, nearly 2200 people owed money to Narva Hospital. Generally, these are small amounts that are paid after a reminder. "This year, in nine months, the number of debtors has increased by about 25 percent," said Narva Hospital director Üllar Lanno.

The University of Tartu Hospital has no such concerns. "The clinic receives its main income from the health insurance fund contract. People's own contribution accounts for less than three percent of this," said Joel Starkopf, a member of the board of TÜ Hospital.

According to Julianus Inkasso, the number of claims from hospitals has increased by a few percentage points. Some healthcare institutions have submitted 10 percent more claims. "When the discharge fee was five euros, it was a bit easier to pay," said Merle Laurimäe, CEO of Julianus Inkasso.

More than half of debtors pay off their debt within a year after receiving a letter from the collection agency. Then, money must also be found for late fees and a collection fee of up to 30 euros. "It can rise to around 55 euros at most," said Laurimäe.