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Best Health Insurance in Serbia

6 insurers ranked and reviewed Β· Updated May 2026

Sources:NBS Quarterly Insurance ReportsSerbian Chamber of Commerce

Healthcare System Overview

Serbia has a mandatory public health insurance system administered by the Republic Fund for Health Insurance (RFZO). Contributions are 10.3% of gross salary (split equally between employer and employee). Co-payments are low (EUR 1-5 per service) with exemptions for children under 15, pregnant women, war veterans, and chronic patients. Voluntary private health insurance has been growing rapidly (22% premium growth in Q2 2025), driven by demand for faster access and private facility care.

#1

Dunav Insurance Company

Kompanija za osiguranje Dunav

private
90Score
NBS: #1 Insurer in Serbia (26.5% Market Share)(2025)
β˜…β˜…β˜…β˜†β˜†3.5satisfactionFinancial strength: State-backed (21.4% of sector assets)

Market Share

26.5% (#1)

Ownership

State-owned majority

Service Lines

180+

  • Largest distribution network in Serbia
  • Healthcare provider directory for VHI clients
  • Registered for 180+ insurance service lines
  • State-backed with implicit government guarantee
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#2

Generali Insurance Serbia

Generali Osiguranje Srbija

private
85Score
NBS: #1 by Assets, Life & Health Leader(2025)
β˜…β˜…β˜…β˜†β˜†3.8satisfactionFinancial strength: A (Generali Group β€” S&P)

Market Share

17.6% (#2 by premium)

Asset Share

22.1% (#1 by assets)

Employees

1,500

  • #1 by balance sheet total (22.1% of sector assets)
  • Market leader in Life and Health insurance for over a decade
  • 54 branches with 1,000+ points of sale
  • Subsidiaries include Generali Reinsurance Serbia and Generali VPF Management
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#3

RFZO (Republic Fund for Health Insurance)

Republicki fond za zdravstveno osiguranje (RFZO)

statutory6.7M members
80Score
RFZO: Universal Mandatory Health Insurance(2025)
β˜…β˜…β˜…β˜†β˜†3.0satisfaction

Contribution Rate

10.3% of gross salary

Co Payments

EUR 1-5 per service

Exemptions

Children under 15, pregnant women, war veterans, chronic patients

  • Universal mandatory health insurance for all residents
  • Low co-payments (EUR 1-5 per service)
  • Hospital, specialist, GP, and medication coverage
  • Extensive exemption categories for vulnerable groups
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#4

DDOR Novi Sad

private500K members
78Score
NBS: #3 Insurer (11.3% Market Share)(2025)
β˜…β˜…β˜…β˜†β˜†3.7satisfactionFinancial strength: BBB+ (UnipolSai β€” S&P)

Market Share

11.3% (#3)

Clients

~500,000

Parent Company

UnipolSai (Italy)

  • Voluntary health insurance with selectable coverage options
  • 'Zdravo da ste' health program
  • 100+ internal and 800+ external points of sale
  • Backed by UnipolSai (Italy's largest insurer)
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#5

Wiener Stadtische Insurance Serbia

Viner StediΕ‘e osiguranje

private
75Score
NBS: #4 Insurer (10.9% Market Share)(2025)
β˜…β˜…β˜…β˜†β˜†3.8satisfactionFinancial strength: A+ (Vienna Insurance Group β€” S&P)

Market Share

10.9% (#4)

Employees

1,000+

Branches

40+ in 37 cities

  • Wiener Zdravlje mobile app for health insurance management
  • VHI available for foreign citizens with temporary stay/work permits
  • Part of Vienna Insurance Group (largest CEE insurer)
  • 40+ branches across 37 Serbian cities
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#6

Triglav Insurance Serbia

Triglav osiguranje

private
70Score
NBS: #5 Insurer (7.8% Market Share)(2025)
β˜…β˜…β˜…β˜†β˜†3.5satisfactionFinancial strength: A (Zavarovalnica Triglav β€” S&P)

Market Share

7.8% (#5)

Employees

500+

Sales Outlets

30

  • Part of Triglav Group with regional Adria presence
  • Coverage across Slovenia, Croatia, Serbia, Montenegro, BiH, N. Macedonia
  • Strong in corporate insurance
  • 500+ employees and 30 sales outlets
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About Health Insurance in Serbia

Serbia has a mandatory public health insurance system administered by the Republic Fund for Health Insurance (RFZO). Contributions are 10.3% of gross salary (split equally between employer and employee). Co-payments are low (EUR 1-5 per service) with exemptions for children under 15, pregnant women, war veterans, and chronic patients. Voluntary private health insurance has been growing rapidly (22% premium growth in Q2 2025), driven by demand for faster access and private facility care.

Our editorial team has evaluated and ranked the top 6 health insurers in Serbia based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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