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X-ROAD INSIGHTS · Tervisekassa
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Register hub · Dec 2025 – May 2026

Estonia's Health Insurance Fund (Tervisekassa) answers around 1.87 million requests per day — the money and entitlement layer of the health system.

Tervisekassa (formerly Eesti Haigekassa) finances Estonia's health system. Its kirst subsystem handles insurance-status checks, treatment billing (raviarve), e-sick-leave (töövõimetusleht) and benefit reimbursements. Every doctor's visit in Estonia begins with a kindlustatus call — is this person insured?

Tervisekassa requests / day
— der gesamten X-Road-Last
Service endpoints
in the kirst subsystem
Avg. latency
ms
across all services in the insurance stack

Four thematic clusters

The Tervisekassa services fall into four clusters — insurance status (the core), billing, e-sick-leave and benefits/care. Shares are daily averages over Dec 2025 – May 2026. Each cluster has its own detail page.

Top 20 services in the Tervisekassa stack

The most-used service endpoints across all four clusters, as requests per day. The cluster pill links to the detail page.

#ServiceClusterCalls / dayAvg ms

Sankey flow: clusters → top consumers

How do the 1.87 M calls/day flow from the service clusters to the 16 largest consumers?

Daily load — when is Tervisekassa used most?

Classic clinical rhythm with a morning peak, a lunch dip, a second afternoon peak and an evening batch rise (billing jobs).

Low  
  High

Key facts about overall usage

What the aggregate data reveals about Estonia's health-insurance layer.

660k/day

Insurance status as the pulse

The kindlustatus service is called about 660,000 times per day — at virtually every doctor's visit, pharmacy dispensing and hospital admission. A single question, 'is this person insured?', answered in real time millions of times.

0 paper

E-sick-leave fully digital

The töövõimetusleht (TVL) is fully digital and mandatory for employers since 2015. Doctors issue it; employers complete the data via eesti.ee, and the fund pays the benefit from day 6.