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Money and taxes

Zdravotná poisťovňa

Medical insurance company

What does “Zdravotná poisťovňa” mean in Slovakia?

Zdravotná poisťovňa (health insurance company) is a company for medical insurance. Everyone who legally lives or works in Slovakia must be insured with one of them to have access to doctors and medical treatment.

What types are there

  • Všeobecná zdravotná poisťovňa (VšZP) — the state-owned, largest one.
  • Dôvera and Union — private ones.

You choose one insurance company and get an insured person's card (preukaz poistenca), which you show to the doctor and at the pharmacy. For an employed person, the employer pays the contributions; živnostníci (sole traders) and some others pay themselves. You can usually change your insurance company once a year during a specific period. If you have just arrived and are not yet employed, it is important to find out as soon as possible on what basis and where you are insured, so you do not end up without coverage.

Important. Without valid health insurance, you will have to pay for a doctor's visit yourself. Also, for periods without insurance, you may have to pay extra contributions later. Do not leave any periods without coverage.

Examples of use

SK
Which health insurance company are you insured with?
Which medical insurance company are you insured with?
SK
I must register with a health insurance company.
You need to register with a health insurance company.
SK
The health insurance company issued me the insurance card.
The health insurance company gave me the insured person's card.

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Frequently asked questions

Which insurance to choose?
All cover basic treatment under the same rules; they differ in service, bonuses, and network of contracted doctors. You can start with any and change it later during a defined period.
What to do right after arrival?
Find out your reason for insurance (job, self-employment, family member, etc.) and register with an insurance company. Delay creates a period without coverage, for which contributions may later be required.
Do you need an insurance card?
Yes, you show your **preukaz poistenca** (health insurance card) to the doctor and at the pharmacy. If you lose it, tell your **poisťovňa** (insurance institution) right away and order a new one.

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