services and programs

After you complete the payment and send proof of payment, Nairi reviews it and confirms your package activation date. This confirmation is not automatic and may take a short period. Once activated,

1. Download the app

2. Create your account

• Open the Profile section at the bottom of the screen
• Select Sign up at the bottom of the screen
• Enter the email used in your application
• Enter the verification code sent to your email
• Enter your phone number and 2nd verification code
• Complete passport authentication
• Agree to the terms
• Select your document type and issuing country
• Upload the document photo
• Complete the biometric face scan
• Create a password

3. Log in

For additional guidance, please refer to the tutorials available in English and Armenian.

An up-to-date list of partner medical providers is available through the Nairi mobile app and on the Nairi Insurance website. We recommend checking these regularly, as the list may be updated over time.

If you are visiting a partner medical institution and your appointment was scheduled through Nairi:

Nairi will send the insurance application directly to the institution's insurance desk. In most cases, you will not need to pay upfront. You may only be asked to pay if the cost of the service is higher than your insurance coverage, in which case you would only pay the uncovered amount.

If visiting non-partnered medical institutions:

You will need to complete the payment and file a reimbursement/compensation claim via the nairi insurance application within 24 hours of the appointment time or regaining consciousness, after which nairi has 10 working days after receiving the last required document to approve or reject your claim and 5 working days to issue a transfer to your personal bank account. If unable to submit a claim within 24 hours, you should provide a written explanation for its delay.

For non-emergency medical care, Nairi will need to book the appointment for you. Here is how to book a consultation:

• Open the Contracts section at the bottom of the screen
• Click on the active package (policy)
• Request a call back from the specialist doctor either:
  • Through the app: You may select the nature of the request and provide specifics
  • By calling Nairi Insurance at 010 500 010.

For additional guidance, please refer to the booking tutorials available in English and Armenian.

If Nairi arranged your appointment, they will send an insurance application to the clinic in advance. When you arrive at the medical institution:

• Go to the insurance desk.
• Let them know that Nairi has sent an insurance application in your name (if Nairi booked your appointment)
• Present your passport.
• Once the insurance desk confirms your documents, go to the doctor's room for your consultation.
• After the consultation, return to the insurance desk and present your passport again, along with the documents you received from both the insurance desk and the doctor.

If it is not possible to contact Nairi in advance due to loss of consciousness or a medical emergency, get medical care first. Once possible, notify Nairi within the first 24 hours after regaining consciousness.

If a doctor prescribes outpatient medication that is covered by your package, you will need to contact Nairi Insurance to request coverage approval. You can do this by:

• Requesting a callback through the Nairi Mobile app
• Calling Nairi Insurance directly at 010 500 010

A Nairi specialist will guide you through the next steps.

Yes, but not in the same way as a partner clinic. If you use a non-partner provider in a case allowed by the contract, you may need to pay first and then request compensation from Nairi. Nairi may ask for supporting documents to review the claim. If the treatment was dental care at a non-partner clinic, Nairi may also ask for a post-treatment examination to verify the work done.

You must notify the insurer within 24 hours about a health condition that requires diagnosis or treatment. If you notify them late, you must explain the reason in writing. Late notice alone is not enough for them to reject the claim, unless they can prove the delay could have affected whether they were obliged to pay.

Compensation claims can be submitted through the Nairi Mobile app. To submit a request:

• Open the Nairi Mobile app
• Go to Contracts
• Open your current contract
• Select Apply for compensation
• Complete and submit the form

For additional guidance, please refer to the compensation tutorials available in English and Armenian.

Find the list of necessary documentation:

• Extract from the outpatient or inpatient medical record
• Referral/transfer/discharge epicrisis
• Doctor's advisory opinion
• Results of laboratory or instrumental diagnostic tests
• Medical appointment sheets and prescriptions
• Invoice(s) and cash register receipt(s) or cash receipt order(s)
• If it was an accident, a police report about the medical expenses caused by the accident
• Identity document
• Any other documents requested by the insurer

If the insurer asks for additional documents, you must send them within 30 calendar days of receiving the missing documents list.

After Nairi receives all required documents, they have up to 10 working days to assess the claim and up to 5 working days after approval to transfer the reimbursement to your bank account.

• Open the Compensations section at the bottom of the screen
• Select your active policy
• You will be able to see the status of your compensation claim
• In case of issues, you may use the chat feature to contact Nairi

For additional guidance, please refer to the tutorials available in English and Armenian.