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privateFinancial Strength: Mutual structure; stable

Vzajemna Health Insurance Company

Vzajemna zdravstvena zavarovalnica, d.v.z.

78Score

★★★☆☆3.8

Customer satisfaction · 860K members

AZN: Largest Specialized Health Insurer(2025)

Vzajemna is Slovenia's largest specialized health insurance company, operating as a mutual insurer (not profit-driven). It historically held over 80% of the voluntary supplementary health insurance market. Following the 2024 reform abolishing VHI, it now offers additional (dodatno) insurance under the 'Varuh zdravja' (Health Guardian) brand for second opinions, fast checkups, and premium services.

Overall Score

78/100

Founded

1999

Headquarters

Ljubljana

Type

private

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Key Metrics

Type

Mutual insurer

Historical Vhi Share

80%+

Brand

Varuh zdravja (Health Guardian)

Members

860,000+

Editorial Ratings

AZN: Largest Specialized Health Insurer(2025)

Rating: Largest specialized health insurer; historically 80%+ VHI market share (max: Market leader)

78AZN

Coverage Highlights

✓Largest specialized health insurance company in Slovenia
✓Mutual insurer (member-focused, not profit-driven)
✓'Varuh zdravja' (Health Guardian) brand
✓Additional insurance for second opinions, fast checkups, premium services

Pros

✓Mutual structure ensures member-focused priorities (not profit-driven)
✓Largest health insurance specialist in Slovenia
✓Strong brand recognition ('Varuh zdravja')
✓Deep health sector expertise

Cons

✗Lost VHI revenue stream after 2024 reform
✗Transitioning business model to additional insurance
✗Limited English support
✗Smaller product range post-reform

Frequently Asked Questions

What is Vzajemna's 'Varuh zdravja' brand?

Varuh zdravja (Health Guardian) is Vzajemna's brand for additional health insurance products offering second opinions, fast checkups, and premium services beyond the mandatory ZZZS coverage.

Is Vzajemna a for-profit company?

No. Vzajemna is a mutual insurer (d.v.z.), meaning it is owned by its members and operates for their benefit rather than to generate shareholder profit.

Quick Summary

InsurerVzajemna Health Insurance Company

Country🇸🇮 Slovenia

Overall Score78/100

Satisfaction3.8/5

Members860K

Typeprivate

Founded1999

Other Insurers in Slovenia

Zavarovalnica Triglav

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Health Insurance Institute of Slovenia (ZZZS)

statutory

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Generali zavarovalnica

private

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