VoZP

What VoZP does

VoZP — Vojenská zdravotní pojišťovna České republiky (Military Health Insurance Company of the Czech Republic) — is one of the statutory public health insurance funds operating under Act No. 280/1992 Sb. in the Czech Republic. Founded in 1992/1993 by decision of the Ministry of Labour and Social Affairs and registered in the Commercial Register on 23 December 1992, VoZP's franchise is concentrated on the military segment of the mandatory Czech public health insurance system: active-duty military personnel, war veterans, pupils of military schools, and Ministry of Defence employees, alongside other voluntarily registered insured persons (employers' employees, self-employed persons, and persons without taxable income). VoZP also operates as a payer/aggregator within the broader Czech healthcare system, contracting with the provider network and participating in the annual Dohodovací řízení negotiation proceedings that set reimbursement point values under Section 17 of Act No. 48/1997 Coll.

The technology stack is a conventional insurer IT footprint rather than a proprietary product. Core digital channels include the Klientský portál (kp.vozp.cz), the Zdraví na Klik mobile application (available on Google Play and the App Store), an electronic document circulation system with qualified electronic signatures and BankID SIGN integration for online signing, data box (datové schránky) integration, and a Portál ZP for insurer-provider communication. Supplementary products include the BeneFit Klub discount program, Příspěvky na prevenci (prevention contributions segmented by children/women/men, with amounts from 300 to 5,000 CZK), EHIC insured-person cards, travel insurance, a telemedicine service that fronts the uLékaře.cz platform, the Život je boj podcast distributed via YouTube, a health calculator, a newborn welcome package, and an insured-person verification tool for providers. VoZP runs on a 7-branch, 45+ agency physical footprint plus a contracted network of 27,000+ healthcare providers.

VoZP's revenue mechanics are entirely statutory: it collects mandatory public health insurance premiums (Pojistné) from employers (for employees), from self-employed persons (OSVČ), and from the state for designated groups including military personnel, veterans, and dependents, under subscription/recurring contribution rates set by Czech law (Law No. 592/1992 Coll.). VoZP has no publicly disclosed financials, no disclosed funding rounds, no parent company, no subsidiaries, and no M&A activity. The company's governance bodies — Supervisory Board, Administrative Board, Arbitration Board, Audit Committee, and Revision Commission — reflect its statutory public-institution character. Reported headcount is 51–100 employees, consistent with a mid-sized Czech health insurance fund relative to the dominant VZP ČR.

Name

VoZP

Legal name

Vojenská zdravotní pojišťovna České republiky

Website

https://vozp.cz

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

VoZP (Vojenská zdravotní pojišťovna České republiky) is a Czech statutory public health insurance fund, established 1993, providing mandatory health insurance to military personnel, veterans, military-school pupils, Ministry of Defence employees, and the general public via 7 branches, 45+ agencies, and a 27,000+ provider network.

Ownership category

akta.pro rank

Product category

Public Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industry

General Medical Virtual Primary Care (Payer-Branded) (HLALACAA)

Keywords

• Public health insurance
• Military health insurance
• Health insurance services
• Preventive healthcare programs
• Healthcare administration services

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pojistné na veřejné zdravotní pojištění: VoZP collects health insurance premiums from employers (for employees), self-employed persons (OSVČ), and persons without taxable income (OBZP). The state pays contributions for designated groups including military personnel, veterans, and their dependents. Revenue is derived from mandatory public health insurance contributions as regulated by Czech law.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

VoZP provides mandatory public health insurance to insured persons in the Czech Republic, with a specialized focus on military personnel, veterans, pupils of military schools, and Ministry of Defence employees, while also serving the general public, self-employed persons, and employers. Revenue comes from statutory health insurance premiums collected from employers, self-employed persons (OSVČ), persons without taxable income (OBZP), and the state for designated groups. The company also administers prevention contribution programs, the BeneFit Klub discount program, EHIC insured-person cards, and voluntary travel insurance, supported by digital self-service through the Klientský portál and Zdraví na Klik mobile app, plus a contracted network of 27,000+ healthcare providers.

Product overview

VoZP (Vojenská zdravotní pojišťovna České republiky) is a Czech military health insurance company operating since 1993. Its product portfolio centers on a core digital service ecosystem consisting of the Klientský portál (Client Portal) and mobilní aplikace Zdraví na Klik (mobile app) for insured person self-service, complemented by supplementary offerings: BeneFit Klub for member discounts, prevention contribution programs (Příspěvky na prevenci) organized by demographic (children, women, men), telemedicine services including the integrated uLékaře.cz platform, and electronic form/document systems for insurers, employers, self-employed, and healthcare providers. The company also provides EHIC insurance cards, travel insurance, a health podcast (Život je boj), a health calculator, and publishes health insurance plans and annual reports. The Dohodovací řízení 2027 (negotiation proceedings) for setting healthcare service reimbursement rates is presided over by VoZP.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Health Insurance (Veřejné zdravotní pojištění)

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

Integration7 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered minor, core and moderate.

• URBAN CHALLENGEminorGTM or Marketing Partner · 1 January 2026VoZP is a partner of the URBAN CHALLENGE 2026 urban running race for adults and children. VoZP sponsors the event and engages with participants at race locations in Prague and Ostrava.
• Aviatická pouť Hradec KrálovéminorGTM or Marketing Partner · 1 January 2026VoZP participates as a partner of Aviatická pouť 2026 (34th edition), one of the most significant aviation events in the Czech Republic. VoZP maintains a booth providing health insurance information and prevention education.
• Healthcare Providers NetworkcoreStrategic or Co-development PartnerVoZP has contracts with over 27,000 healthcare providers across the Czech Republic, including military and civilian health facilities, hospitals, clinics, pharmacies, and spa facilities. These are contractual relationships where providers deliver healthcare services to VoZP insured persons.
• Jihočeský běžecký pohárminorGTM or Marketing PartnerBěh o neplachovský hrneček 2026 (14th edition) is part of the Jihočeský běžecký pohár regional running circuit. VoZP supports community running events as part of its health promotion activities.
• HRNEK, z.s. (Civic Association)minorGTM or Marketing PartnerHRNEK, z.s. organizes the Běh o Neplachovský hrneček running event which VoZP supports as a community health initiative.
• Ministerstvo obrany ČR (Ministry of Defence)coreStrategic or Co-development PartnerVoZP was established for military personnel and operates under the framework of Czech healthcare law. The Ministry of Defence is the primary stakeholder for the military health insurance segment. VoZP provides health insurance for soldiers and arranges healthcare services funded by the Ministry of Defence.
• Zdravotnická záchranná služba (Emergency Medical Services)coreStrategic or Co-development PartnerVoZP participates in the agreement negotiations (Dohodovací řízení) regarding healthcare service pricing and reimbursement with emergency medical services providers as part of the Czech healthcare system.
• Lázeňská zařízení (Spa Facilities)moderateStrategic or Co-development PartnerVoZP arranges spa and rehabilitation care for insured persons, contracting with spa facilities across the Czech Republic. Spa care is coordinated through the insurance system with approvals and reimbursement.
• Česká pošta (Czech Post)minorChannel Partner/ Reseller/ DistributorVoZP accepts payments and documents through Czech Post services, including postal deliveries and payments at post offices.
• Zdravotní pojišťovny ČR (Czech Health Insurance System)coreStrategic or Co-development PartnerVoZP cooperates with other Czech health insurance companies (VZP, OZP, ČPZP, ZPMV) in the Dohodovací řízení process to set healthcare pricing, reimbursement rates, and system-wide regulations. For 2027, VoZP holds the presidency of the agreement negotiations.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Allianz Care: International health insurance provider offering group and individual health plans across Europe. Comparable as a broader incumbent operating in the same European health insurance space, though not Czech-public-system specific.
• UNIQA pojišťovna: Major Czech and Central European insurance group offering health, life, and P&C products. Comparable as a broader Czech insurance market incumbent with overlapping health insurance offerings.
• Generali Česká pojišťovna: Largest Czech commercial insurer offering voluntary health, life, and pension products. Comparable as a broader Czech insurance incumbent that competes with VoZP for voluntary health add-ons (e.g., travel insurance).

Regional players

• TRICARE (U.S. Military Health System): U.S. Department of Defense health insurance program serving active-duty military, retirees, and families. Comparable as a military-focused statutory health insurance scheme, though structurally different (U.S. delivery model) and operating in a different geography.

Direct peers

• ZP MV ČR (Zdravotní pojišťovna ministerstva vnitra): Czech public health insurance company for Ministry of Interior employees, structurally analogous to VoZP's military-focused model. Both are government-affiliated zaměstnanecké pojišťovny serving specific public-sector segments.
• OZP (Oborová zdravotní pojišťovna): Czech trade-sector health insurance company, one of the seven zaměstnanecké pojišťovny. Direct peer operating under the same regulatory framework and competing for the same insured persons outside the military segment.
• RBP, zdravotní pojišťovna (Revírní bratrská pokladna): Czech health insurance company originally founded for mining sector workers, now open to broader membership. Comparable as a zaměstnanecká pojišťovna with similar product offerings and regulatory positioning.
• ZŠP (Zdravotní pojišťovna Škoda): Smaller Czech zaměstnanecká pojišťovna originating from the Škoda industrial workforce. Direct peer in the same regulatory regime, though smaller in scale than VoZP.
• ČPZP (Česká průmyslová zdravotní pojišťovna): Czech industrial-sector health insurance company, one of the seven zaměstnanecké pojišťovny. Direct peer under the same legal framework, with comparable scale and similar member-engagement digital initiatives.
• VZP ČR (Všeobecná zdravotní pojišťovna České republiky): The largest Czech public health insurance company, insuring the majority of the general population. Direct peer because it operates under the same public health insurance law, competes for the same pool of insured persons, and participates in the same Dohodovací řízení process.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCa0Lmxt85we7PB6-RybPzzQ
• Facebookfacebook.com/vojenskazdravotnipojistovna
• LinkedInlinkedin.com/company/vojenska-zdravotni-pojistovna
• Instagraminstagram.com/vojenska_zdravotni_pojistovna/?hl=cs

Revenue estimate

Valuation estimate

Number of profiles

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 VoZP