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Health Insurance Institute of Slovenia (ZZZS)

Zavod za zdravstveno zavarovanje Slovenije (ZZZS)

82Score

★★★☆☆3.5

Customer satisfaction · 2.1M members

ZZZS: Universal Single-Payer Coverage(2025)

ZZZS is Slovenia's sole administrator of compulsory health insurance, operating as a single-payer system covering approximately 2.1 million people. Since the 2024 reform, it also collects the mandatory flat-rate contribution that replaced voluntary supplementary insurance, providing comprehensive coverage for GP, hospital, specialist, maternity, and medication expenses.

Overall Score

82/100

Founded

1992

Headquarters

Ljubljana

Type

statutory

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Key Metrics

System Type

Single-payer

Reform2024

VHI abolished, flat-rate contribution added

Coverage

GP, hospital, specialist, maternity, medications

Eu Integration

EHIC integrated

Editorial Ratings

ZZZS: Universal Single-Payer Coverage(2025)

Rating: Sole administrator of compulsory health insurance (max: Sole provider)

82AZN

Coverage Highlights

✓Universal comprehensive coverage for all residents
✓Single-payer efficiency (sole administrator)
✓2024 reform eliminated need for separate supplementary insurance
✓Covers GP, hospital, specialist, maternity, and medications
✓EU European Health Insurance Card (EHIC) integrated

Pros

✓Universal comprehensive coverage for entire population
✓Single-payer system efficiency
✓2024 reform simplified the system (no more separate VHI needed)
✓EU EHIC integration for cross-border care

Cons

✗Wait times for specialist appointments
✗Limited choice of providers
✗Mandatory flat-rate contribution increased costs for some residents

Frequently Asked Questions

What changed in Slovenia's 2024 health insurance reform?

The January 2024 reform abolished voluntary supplementary health insurance (VHI) that was run by private insurers. Co-payments previously covered by VHI are now funded through a mandatory flat-rate public contribution collected by ZZZS.

Do I still need private health insurance in Slovenia?

Since the 2024 reform, supplementary insurance for co-payments is no longer needed. However, private insurers still offer additional (dodatno) insurance for premium services, second opinions, and expedited care.

How is ZZZS funded?

ZZZS is funded through mandatory social insurance contributions from employers and employees, plus the new flat-rate contribution introduced in the 2024 reform that replaced voluntary supplementary insurance.

Quick Summary

InsurerHealth Insurance Institute of Slovenia (ZZZS)

Country🇸🇮 Slovenia

Overall Score82/100

Satisfaction3.5/5

Members2.1M

Typestatutory

Founded1992

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Visit Health Insurance Institute of Slovenia (ZZZS) to learn more about their plans.

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