Ukrainians in Slovakia who are officially employed or have a business must have full health insurance with one of three companies:
- Všeobecná zdravotná poisťovňa (VšZP)
- Dôvera
- Union.
Many people don't even realize they have this option, which is a shame, because the choice of insurance directly affects the quality and convenience of your medical care – each insurance company has its pros and cons, primarily the number of doctors who accept each one, as well as additional bonuses that insurance companies offer (for example, discounts on medicine, free dental care, discounts for parents, and more).
What are the insurance companies?
All three companies cover basic medical services and work with the same doctors and hospitals. The differences are in additional bonuses, services, and convenience levels:- VšZP — the state insurance company, the largest and basic one, offers a classic set of services with minimal bonuses.
- Union — a private company, focuses on families with children.
- Dôvera — also a private company, which is currently actively developing online services, prevention programs, and offers the widest range of bonuses and doctor coverage.
Comparison of Slovak insurance companies
You can view an independent comparison on the website asisto.sk or financnykompas.sk/zdravotna-poistovna
As we can see, the state insurance company VšZP, which most people currently use, offers the lowest number of additional bonuses, co-payments, and overall comfort and reliability of use.
On the other hand, Dôvera shows the best results in terms of the number of hospitals that accept it and especially the additional bonuses it offers.
⭐️ If you need free consultation and help changing insurance from a qualified insurance agent— write to us on Telegram — t.me/kompas_support, and we will recommend a trusted specialist.
Key points in comparing insurance companies
- For parents and infants
Dôvera: stroller bag (€80).
Union: BabyBox (€100) + preparation for childbirth and classes for mothers.
- Dentistry
🏆 Dôvera: adults – 2 x €30; children – 5 x €30 (including for cavities and fillings, even with doctors without a contract).
Union: from 2026 – adults 2 x €30, children 5 x €30 + braces.
- Medication and co-payment refunds
🏆 Dôvera: up to €300 co-payment refund for children and parents.
Union: for children under 18 – 100% refund.
- Telemedicine and online services
🏆 Dôvera: Doctor at a distance 24/7 for free (family doctor and pediatrician), specialist consultations (13 fields) with a referral, online dermatologist and physiotherapist via AIP apps also for free.
Union: does not have such services yet.
- Vaccinations
🏆 Dôvera: widest coverage – up to 100% for vaccines + up to 70% for HPV.
VšZP: partial coverage for HPV, A+B, encephalitis, and others.
Union: also covers part of additional vaccinations, but less than Dôvera.
- Mental health
Dôvera: discount up to €30 for online psychotherapy (Mojra, Ksebe, Hedepy).
Union: 10% on Mojra.sk.
- Chronic diseases and expensive treatment
Union: offers superior services in hospitals (private rooms and additional services).
VšZP: basic prevention, no special programs.
Who can apply to change insurance?
- Ukrainians with a residence permit/permanent residence based on work or entrepreneurship (živnosť/s.r.o.).
- foreigners with the status of a refugee who are engaged in business or are officially employed.
- other citizens who have a job or business in Slovakia and have active insurance with one of the main insurance companies.
❗️If you belong to this category, then you should consider changing your insurance right now, because you can only apply until 09.30 (inclusive).
The next opportunity will be in a year.
Also, changing insurance is completely free, and this procedure can be done online with the help of a qualified insurance agent in 10 minutes.
So, just 10 minutes of your time, and you will receive much higher quality treatment, additional benefits from the insurance company for yourself and your children, and many other bonuses that your current company does not offer, all without spending anything.
⭐️ If you need free consultation and help changing insurance from a qualified insurance agent— write to us on Telegram — t.me/kompas_support, and we will recommend a trusted specialist.
Why do we recommend Dôvera?
Dôvera zdravotná poisťovňa, a. s. — is the largest private health insurance company in Slovakia, providing quality medical care for over 1.7 million insured individuals. It is also worth noting that Dôvera's client base grew by 37,000 in the past year, while its competitors' client base decreases by tens of thousands of people each year.
It cooperates with all types of medical facilities: hospitals, laboratories, private clinics. It has the largest client growth among all companies, which confirms the high trust and popularity among Slovaks.
Dôvera offers unique bonuses that are not available elsewhere:
- double dental coverage
- 24/7 online medicine for free
- refunds for medication up to €300
- programs for mental health and chronic diseases, and much more
Only Dôvera covers up to 5 visits per year for children (each €30), including for cavities and fillings, even with private dentists without a contract. Also, Dôvera offers a free "Doctor at a distance" service 24/7, including a therapist, pediatrician, dermatologist, and physiotherapist.
You can read more about bonuses and insurance on their official website — dovera.sk/poistenec/preco-byt-v-dovere
How does changing insurance work?
- ❗️Foreigners can switch to another insurance only in person
⭐️ If you need a free consultation and help with changing your insurance from a qualified insurance agent— write to us on Telegram — t.me/kompas_support, and we will recommend a trusted specialist.
Changing your insurance company is a chance to get more benefits and better service for free. Dôvera looks like the strongest company today, which really invests in patients and offers more than competitors. There is very little time left: you can only make your choice until September 30, inclusive.
