Všeobecná Zdravotní Pojišťovna České Republiky

Name

Všeobecná Zdravotní Pojišťovna České Republiky

Legal name

Všeobecná Zdravotní Pojišťovna České Republiky

Website

https://vzp.cz

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Public Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industry

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

Keywords

• Public health insurance
• Medical insurance coverage
• Preventive healthcare programs
• Healthcare provider networks
• Employer health contributions

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Mandatory Health Insurance Premiums: VZP, as the largest public health insurance company in the Czech Republic, collects mandatory health insurance premiums from employers (13.5% of gross salary) and employees (4.5% of gross salary). This is the primary revenue stream funding all healthcare services.
2. State Contributions: The Czech government pays health insurance premiums for designated groups including children, seniors, pensioners, unemployed persons, and other state-insured categories. These contributions are transferred to VZP for its insured persons in these categories.
3. Prevention Fund: VZP allocates funds from the prevention fund to provide benefits and contributions to insured persons for health-promoting activities. In 2026, over 2.25 billion CZK is allocated for prevention programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Všeobecná Zdravotní Pojišťovna České Republiky (VZP ČR) is the largest public health insurance company in the Czech Republic, operating mandatory public health insurance under Czech law. It collects statutory health insurance premiums from employers (13.5% of gross salary) and employees (4.5% of gross salary), receives state contributions for children, pensioners, and other state-insured categories, and uses these funds to pay for contracted healthcare services delivered through a nationwide network of doctors, hospitals, clinics, and pharmacies. The company also administers a Prevention Fund providing annual contributions to insured persons for health-promoting activities.

Product overview

VZP ČR operates a unified health insurance service platform centered on its client-facing Moje VZP application and B2B communication portal VZP Point, supported by the e-VZP electronic communication system. The core digital offerings include Moje VZP for insured persons to manage benefits and contributions, VZP Point for employer and provider B2B interactions, and e-VZP for general electronic services including web forms and EP2 Workspace. These digital products are complemented by the VZP PLUS motivational program, which incentivizes contracted healthcare providers to enhance service quality and preventive care delivery.

Differentiator

Problem solved

Functional benefit

Products and services

• Mandatory Public Health Insurance
• Moje VZP
• VZP Point
• e-VZP Electronic Communication
• VZP PLUS Provider Motivational Program

Quantifiable outcome

• 3 million clients use the Moje VZP mobile application
• +2 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• PVZP (Pojišťovna VZP)coreOthersPVZP is a related commercial insurance company that offers supplementary insurance products to VZP insured persons. While VZP provides mandatory public health insurance, PVZP offers voluntary commercial insurance coverage for services not included in public health insurance.
• Klub pevného zdravíminorOthersHealth club program offering additional benefits and discounts to VZP insured members. Provides access to wellness services, health products, and lifestyle benefits beyond standard prevention fund contributions.
• Contracted Healthcare ProviderscoreOthersNetwork of doctors, hospitals, clinics, pharmacies, and other healthcare providers who have contracts with VZP to provide healthcare services to insured persons. Includes general practitioners, specialists, dental care, and rehabilitation facilities throughout the Czech Republic.
• Ministry of Health of the Czech RepubliccoreOthersGovernment ministry that oversees public health insurance regulation, sets premium rates, and establishes healthcare policy. VZP operates under the regulatory framework established by the Ministry.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Vojenská zdravotní pojišťovna ČR: Czech statutory public health insurer primarily serving military personnel and broader public. Direct competitor in the same mandatory Czech health insurance market with similar product set, B2B employer portal, and regulatory framework.
• Česká průmyslová zdravotní pojišťovna (ČPZP): One of the larger Czech statutory health insurers, originally serving industrial-sector employees. Competes head-to-head with VZP for insured persons under the same legal regime with employer-sponsored and state-paid premium models.
• Oborová zdravotní pojišťovna (OZP): Czech statutory health insurer with branch/sector-specific client base. Operates identical regulatory and revenue model to VZP, directly competing for insured members and employer contracts.
• Zaměstnanecká pojišťovna Škoda (ZPŠ): Industry-affiliated Czech statutory health insurer originally tied to Škoda Auto employees. Competes in the same mandatory Czech health insurance market with comparable employer-sponsored premium revenue and digital self-service offerings.
• Zdravotní pojišťovna ministerstva vnitra ČR (ZP MV ČR): Czech statutory health insurer linked to Ministry of Interior personnel and broader public. Direct competitor with same legal mandate, similar B2B employer portal model, and parallel prevention fund programs.
• Revírní bratrská pokladna, zdravotní pojišťovna (RBP): Smaller Czech statutory health insurer with regional (Moravia-Silesia) concentration. Competes in the same mandatory market with identical product structure and premium mechanics, representing a regional-style direct competitor.

Regional players

• Narodowy Fundusz Zdrowia (NFZ): Polish statutory health insurance fund — single-payer equivalent in Poland. Operates under near-identical legal/regulatory model (mandatory employer+state contributions) but serves a different national market, making it a structural regional analogue rather than a direct competitor.
• Union zdravotná poisťovňa: Largest Slovak private health insurer operating within Slovakia's mandatory statutory framework. Comparable product, regulatory environment, and premium mechanics to VZP, but serves the Slovak rather than Czech market.

Broad incumbents

• AOK Bundesverband: Federation of 11 German statutory health insurance funds covering ~27 million insureds. Operates under Germany's social health insurance model with employer/employee contributions — a scaled international analogue of VZP's business model.
• Caisse Nationale de l'Assurance Maladie (CNAM): French national statutory health insurance fund covering the vast majority of French residents. Operates the same mandatory-contribution model with employer/employee plus state subsidies, structurally analogous to VZP at national scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/VZPtweetuje
• YouTubeyoutube.com/channel/UC_sJRd_zRw-mcpdo_VpL99g
• Facebookfacebook.com/vzpcr
• LinkedInlinkedin.com/company/vzp
• Instagraminstagram.com/vzpcr

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Všeobecná Zdravotní Pojišťovna České Republiky