Home/Slovakia/General Health Insurance Company (VsZP)

statutoryFinancial Strength: State-owned; dominant market positionOnline Signup

General Health Insurance Company (VsZP)

Vseobecna zdravotna poistovna, a.s. (VsZP)

82Score

★★★☆☆3.3

Customer satisfaction · 3.5M members

UDZS: Largest Health Insurer (55.2% Share)(2025)

VsZP is Slovakia's largest health insurer with 3.5 million members and 55.2% market share. State-owned with an implicit government guarantee, it serves as the default insurer for newborns and unregistered residents. It has the largest provider network in the country.

Overall Score

82/100

Founded

1994

Headquarters

Bratislava

Type

statutory

Get a Free Quote→

No obligation. Compare personalized rates.

Key Metrics

Market Share

55.2% (#1)

Ownership

State-owned

Contribution Rate

14% of gross salary

Default Insurer

Yes (newborns and unregistered residents)

Editorial Ratings

UDZS: Largest Health Insurer (55.2% Share)(2025)

Rating: #1 — 55.2% market share (state-owned) (max: #1)

82UDZS

Coverage Highlights

✓Largest provider network in Slovakia
✓State-owned with implicit government guarantee
✓Default insurer for newborns and unregistered residents
✓Same basic statutory coverage as competitors
✓English website available

Pros

✓Largest provider network across Slovakia
✓State backing provides stability
✓English website available
✓Default insurer — seamless enrollment for new residents

Cons

✗Higher-risk population (inherited elderly members)
✗Slower to innovate than private competitors
✗Customer service complaints
✗Financial performance impacted by inherited population profile

Frequently Asked Questions

Is VsZP the only health insurer in Slovakia?

No. Slovakia has three competing statutory health insurers: VsZP (55.2% share), Dovera (32.4%), and Union (12.4%). All provide the same basic statutory coverage, and residents can switch annually.

Can I choose any doctor with VsZP?

VsZP has the largest provider network in Slovakia. You can choose any contracted GP, specialist, or hospital within their network.

How much does VsZP cost?

VsZP is funded through mandatory contributions of 14% of gross salary for employees. There are no additional premiums — coverage is identical across all three insurers.

Quick Summary

InsurerGeneral Health Insurance Company (VsZP)

Country🇸🇰 Slovakia

Overall Score82/100

Satisfaction3.3/5

Members3.5M

Typestatutory

Founded1994

Other Insurers in Slovakia

Dovera Health Insurance Company

private

/ 100

Union Health Insurance Company

private

/ 100

Ready to get covered?

Get a personalized quote from General Health Insurance Company (VsZP) today.

Get Free Quote→