How does it work?
The mathematics is straightforward. Flow3 laser eye surgery can be paid in monthly instalments — €63 per month over 12 months. But here's where the Estonian employer health benefit comes in, covering more than half of that amount.
Consider this: for a monthly outgoing smaller than your streaming subscriptions and coffee habit combined, you gain something that transforms the rest of your life.
What law permits this?
This is neither a loophole nor a workaround. The Estonian Income Tax Act clearly states that an employer may spend up to €400 per employee per year on health promotion — free of fringe benefit tax.
Point 4 covers: "expenses for services provided by a person holding a healthcare activity licence" — KSA Eye Centre holds precisely such a licence as a registered healthcare provider.
Since 1 January 2025, the quarterly cap (€100/quarter) has been removed — a simple €400/year limit now applies.
How to ask your employer
The process is simpler than you might think. Most Estonian employers already offer a health and sports benefit — you simply need to know that laser eye surgery qualifies.
Check your employer's benefit
Ask your HR department or check the intranet — does your employer offer a health and sports benefit? Most do.
Book a Flow3 eye examination at KSA
The examination costs €69 and is deducted in full from the procedure price (within 60 days).
Submit the KSA invoice to your employer
Your employer reimburses up to €400 per year tax-free. Nothing special required — a standard medical services invoice.
The remainder — convenient instalments
After the employer benefit, your share is approximately €30 per month. That's all.
Not only in Estonia
If you don't work for an Estonian employer, there are still good options. Laser eye surgery is a medical procedure, and many countries offer tax advantages or insurance coverage.
European countries
In many EU member states, medical expenses can be deducted from income tax.
Private health insurance
Many private health insurance policies cover laser eye surgery partially or in full.
EU institutions
Staff of EU institutions may receive reimbursement of health expenses up to 100%.
Corporate packages
Many international professionals have eye surgery covered under their corporate health benefits.
Why Flow3?
This page is about financing — but the money goes towards a specific procedure. Here is why Flow3 is the most trusted choice in the Baltics.
Book a free consultation
The Flow3 examination costs €69 — deducted 100% from the procedure price.
Book now