Health Insurance in Slovakia. Side-by-Side Compare

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Public health insurance in Slovakia is mandatory for every resident of the country. There are two private providers, Dôvera, Union, and one state-controlled VšZP. It covers practicians, specialists, hospitals, labs, surgery, and rehabs. 

Insurance covers the majority of the treatment. Some treatments or above-standard exams may require additional payment to a hospital or doctor. The goal of mandatory Insurance is to provide an affordable standard for everyone.

As an employee, you do not need to worry. Your employer will register and pay a fraction of your salary on your behalf. As an independent freelancer or small entrepreneur, you are responsible for registering and paying on your own. As voluntarily unemployed, you must register and pay a minimum fee. 

Register your children and minors too. You do not pay for them – the state does.

Please note only Dôvera, Union, and VšZP are licensed for Public Health Insurance. Distinguish the difference between Commercial Health Insurance. There are no dealers or agents for Public Health Insurance.

Expat Services can help with the registration process and explain your duties. We can register/deregister on behalf of you when you sign PoA. Please remember you need to deregister when leaving the country. Expats who left the country and forgot to deregister are still due to pay the monthly insurance.

With our side-by-side comparison, we display the availability of apps and client accounts. For example, you can review your medical record, access your Insurance Card, see prescriptions for pick up in the pharmacy, manage and use benefits, and review spending.

Public Health Insurance in Slovakia follows the law, and there is no competition in the amount you pay. The only legal competition is in the quality of the service and benefits provided.

The amount you submit is related to your income and is the same with every provider. There is a minimum and maximum gap. Once per year, you will receive an Annual Account, and you will get your balance sheet.

If you fail to pay or owe money to your Public Health Insurance provider, your coverage will only be limited to emergency treatment. The employee is protected and covered without interruption if the employer fails to pay.

You can switch between Insurance providers once per year. The deadline for change application is by the end of September and is effective from January. 

Initially, you must choose one of three available Public Health Insurance providers.

Here is our brief side-by-side comparison:

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