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RFZO (Republic Fund for Health Insurance)

Republicki fond za zdravstveno osiguranje (RFZO)

80Score

★★★☆☆3.0

Customer satisfaction · 6.7M members

RFZO: Universal Mandatory Health Insurance(2025)

RFZO is Serbia's sole administrator of mandatory public health insurance, covering approximately 6.7 million people. Funded through 10.3% salary contributions, it provides universal coverage with low co-payments (EUR 1-5) and extensive exemptions for vulnerable groups.

Overall Score

80/100

Founded

1922

Headquarters

Belgrade

Type

statutory

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Key Metrics

Contribution Rate

10.3% of gross salary

Co Payments

EUR 1-5 per service

Exemptions

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

Editorial Ratings

RFZO: Universal Mandatory Health Insurance(2025)

Rating: Universal mandatory coverage — sole provider (max: Sole provider)

80NBS

Coverage Highlights

✓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
✓Public health facility network nationwide

Pros

✓Universal coverage for entire population
✓Very low co-payments
✓Comprehensive exemptions for children, pregnant women, and veterans
✓Mandatory employer contribution ensures funding

Cons

✗Long wait times (months for specialist appointments)
✗Aging public facility infrastructure
✗Limited access to modern diagnostics
✗Bureaucratic processes for referrals and approvals

Frequently Asked Questions

What is the RFZO contribution rate?

The mandatory health insurance contribution is 10.3% of gross salary, split equally between employer and employee.

Who is exempt from RFZO co-payments?

Children under 15, pregnant women, war veterans, and patients with chronic conditions are exempt from co-payments.

Does RFZO cover dental care?

RFZO provides basic dental care through the public system, but coverage for advanced dental procedures is limited. Many residents use private dental clinics.

Quick Summary

InsurerRFZO (Republic Fund for Health Insurance)

Country🇷🇸 Serbia

Overall Score80/100

Satisfaction3.0/5

Members6.7M

Typestatutory

Founded1922

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Ready to get covered?

Visit RFZO (Republic Fund for Health Insurance) to learn more about their plans.

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