Všeobecná zdravotná poisťovňa

What Všeobecná zdravotná poisťovňa does

Všeobecná zdravotná poisťovňa (VšZP) is the largest and longest-established public health insurance company in Slovakia, operating within the country's mandatory statutory health insurance framework. Established in 1994 and headquartered at Panónska cesta 2 in Bratislava, the joint-stock company (a.s.) serves nearly 2.75 million insured persons — roughly half of Slovakia's population — under contribution rates set by law: employees pay 4% of gross income, employers 10% of wages, self-employed persons 14% of assessable income, and the state covers designated groups including pensioners, students, the unemployed, and persons on parental leave.

VšZP's product platform centers on statutory public health insurance coverage and is supplemented by an integrated digital services stack: the VšZP mobile application providing a digital insurance card, prescribed-medicine history, and contracted-doctor information; the ePobočka electronic branch portal for policy administration; and the eRecept electronic prescription system. Value-added offerings include the Peňaženka zdravia health wallet program (MAXI group variant up to €800 annual benefit, MINI individual variant €100), the Dr. Nonstop 24/7 telephone consultation service, the Vernosť+ loyalty program, persona-specific benefits for diabetics, expecting mothers, students, and blood donors, the nationwide "Pre zdravie" community health-event program, and a health-education podcast ("Všeobecne o zdraví"). A network of 10,000+ contracted doctors, specialists, hospitals, and pharmacies underpins service delivery.

The go-to-market combines direct-to-consumer channels (call center 0850 003 003, online enrollment portal prihlaska.vszp.sk, mobile self-service, physical branch offices) with enterprise field sales via regional managers engaging employers, schools, and self-governing regions. As of 2025, VšZP finances approximately 80% of contracted hospitals exclusively on a performance basis (paid for healthcare actually provided), positioning it as the leader in performance-based provider payment in Slovakia. The company is led by CEO Richard Strapko and Chief Innovation Officer Renata Bartovicova, has been recognized as Slovakia's Most Trusted Brand for five consecutive years (2021–2025), and reports 92% client satisfaction at its branch network.

Name

Všeobecná zdravotná poisťovňa

Legal name

Všeobecná zdravotná poisťovňa, a. s.

Website

https://vszp.sk

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Všeobecná zdravotná poisťovňa is Slovakia's largest public health insurer, serving approximately 2.75 million insured persons under the country's mandatory statutory health insurance framework through an integrated platform combining statutory coverage, a digital self-service stack (mobile app, ePobočka portal, eRecept), the Peňaženka zdravia benefit program, and a 10,000+ contracted provider network.

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

Pharmacy/Medication Management & Virtual MTM (Payer-Sponsored) (HLALACAK)

akta.pro secondary industry

Primary Care & General Medicine Virtual Care (HLALAAAA)

Keywords

• Public health insurance
• Health insurance contributions
• Medical consultation services
• Health benefit programs
• Healthcare provider network

Headquarters

HQ city

Bratislava

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Public Health Insurance Contributions: VšZP operates as a public health insurer in Slovakia, collecting health insurance contributions from employees (4% of income), employers (10% of employee wages), and self-employed persons (4% of assessable income). The state pays contributions for designated groups including students, pensioners, unemployed persons, and persons on parental leave.
2. State Subsidies for Specific Groups: Government payments cover health insurance contributions for state-insured persons including pensioners, unemployed persons registered with labor offices, students, doctoral students, persons receiving parental allowance, and personal assistants of disabled persons.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels9 records

Core offering

Všeobecná zdravotná poisťovňa (VšZP) is Slovakia's largest public health insurance company, operating under the country's mandatory health insurance system. It collects statutory contributions from employees (4% of income), employers (10% of wages), self-employed persons (14% of assessable income), and the state (for pensioners, students, unemployed, and other designated groups), then finances healthcare services delivered through its network of 10,000+ contracted providers. Beyond core insurance, VšZP offers supplementary benefit programs such as Peňaženka zdravia (Health Wallet MINI/MAXI), 24/7 Dr. Nonstop medical consultations, and digital self-service tools including a mobile application, ePobočka electronic branch, and eRecept electronic prescriptions.

Product overview

Všeobecná zdravotná poisťovňa operates as Slovakia's largest health insurance provider offering a unified public health insurance platform with multiple integrated digital services. The core product portfolio includes the mobile application (VšZP Mobilná aplikácia) providing digital insurance cards and health records, the ePobočka online portal for administrative management, and the eRecept electronic prescription system. These are supplemented by benefit programs Peňaženka zdravia (available in MINI and MAXI variants offering €100-€800 annual health contributions), the Vernosť+ loyalty program, and the Dr. Nonstop 24/7 medical consultation service. Additional offerings include the Pre zdravie nationwide health screening events, a health podcast, online premium calculators, patient navigation tools, and a comprehensive benefits and discounts program covering health services, wellness, and retail partners.

Differentiator

Problem solved

Functional benefit

Brands

• Peňaženka zdravia: Health Wallet benefit program offering financial contributions up to €800 for health expenses including dental, vision, medicines, and prevention
• Peňaženka zdravia MAXI
• Peňaženka zdravia MINI
• Vernosť+
• Dr. Nonstop
• ePobočka
• Pre zdravie
• Podcast Všeobecne o zdraví

Products and services

• Peňaženka zdravia MAXI (Health Wallet MAXI) Group-based health benefit program providing financial contributions up to €800 annually, based on a solidarity principle where group members can pool resources for dental care, vision, medicines, and preventive services. Targeted at insured persons enrolled in group solidarity arrangements.
• Peňaženka zdravia MINI (Health Wallet MINI) Individual health benefit program providing a €100 annual bonus for dental hygiene, medicines, and preventive care, designed for policyholders without group participation options. Targeted at individual insured persons.
• VšZP Mobile Application (Mobilná aplikácia) Free mobile application providing digital insurance card, access to prescribed medicines, examination history, physician information, and direct call center access without waiting. Available on App Store, Google Play, and App Gallery. Targeted at VšZP insured persons.
• ePobočka (Electronic Branch) Online portal for policyholders, payers, and healthcare providers to manage insurance matters, submit documents, view statements, and process payments electronically. Targeted at insured persons, payers (employers and self-employed), and healthcare providers.
• Dr. Nonstop 24/7 free telephone medical consultation service providing access to general practitioners, pediatricians, or selected specialists via phone or online. Targeted at VšZP insured persons seeking medical guidance outside of regular consultation hours.
• Vernosť+ (Loyalty Program) Loyalty program offering additional benefits and discounts for policyholders who maintain continuous coverage with VšZP. Targeted at insured persons who maintain long-term coverage with VšZP.
• eRecept (Electronic Prescription) Electronic prescription system allowing healthcare providers to issue prescriptions digitally and patients to receive medications at pharmacies without paper prescriptions. Targeted at contracted healthcare providers and insured persons.
• Pre zdravie (Health Events Program) Nationwide health event program offering free health measurements (blood pressure, pulse, cholesterol, blood sugar), body composition analysis via InBody device, and health counseling. Targeted at the general public and VšZP insured persons across Slovakia.
• Podcast Všeobecne o zdraví (Generally About Health) Health-focused podcast series providing positive health information, available on Spotify and Apple Podcasts platforms. Targeted at the general public and VšZP insured persons interested in health education.
• Benefity a zľavy (Benefits and Discounts Program) Comprehensive benefits and discount program providing discounts on health services, eyewear (up to €100 for eyeglass frames), wellness, travel, shopping, and cosmetics from partner providers. Targeted at VšZP insured persons.
• Kalkulačky poistného (Premium Calculators) Online calculators for computing insurance premiums for self-employed persons (SZČO) for years 2025 and 2026, and deductible item (OP) calculations. Targeted at self-employed individuals required to calculate advance health insurance payments.

Quantifiable outcome

• 92% client satisfaction rate at branches
• +2 more outcomes

Named customers1 record

Segments9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Nine partnerships are on record, tiered minor.

• Liga za duševné zdravie (League for Mental Health)minorStrategic or Co-development PartnerPartner organization providing mental health support and services to VšZP insured persons
• Dar života (Seven Lives)minorStrategic or Co-development PartnerPartner organization supporting health initiatives for VšZP insured persons
• Liga proti rakovine (League Against Cancer)minorStrategic or Co-development PartnerPartner organization providing cancer prevention and support services to VšZP insured persons
• Slovenský Červený kríž (Slovak Red Cross)minorStrategic or Co-development PartnerHumanitarian organization partner providing health support and emergency services
• OZ Rodič ľavou zadnouminorStrategic or Co-development PartnerParent support organization partner for family health initiatives
• Asociácia poskytovateľov sociálnych služieb SR (Association of Social Services Providers SR)minorStrategic or Co-development PartnerAssociation partner for social services coordination and healthcare integration
• Beriete lieky s rozumom? (Do you take medicines wisely?)minorStrategic or Co-development PartnerHealthcare education initiative partner for responsible medicine use
• ČSOB (Československá obchodná banka)minorGTM or Marketing PartnerFinancial services partner offering insurance products (accident, life, home, car insurance) and loans to VšZP insured persons through benefit program
• BENU Lekárne (Pharmacy Chain)minorGTM or Marketing PartnerPharmacy partner offering 25% discount on selected products and free health measurements (blood pressure, glycemia, CRP) for VšZP insured persons

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ZPZP (Zamestnanecká poisťovňa ZPZP): One of the licensed Slovak public health insurers (employer-sponsored focus), directly competing for the same mandatory-insurance pool and corporate clients. Comparable regulatory exposure and product set.
• Union zdravotná poisťovňa: The third licensed public health insurer in Slovakia, competing with VšZP and Dôvera for the same mandatory-insurance pool. Closest comparable in product mix, regulatory framework, and target customer segments.
• Dôvera zdravotná poisťovňa: One of the other two licensed public health insurers in Slovakia, offering the same statutory health insurance products to employers, employees, and self-employed. Direct head-to-head competitor for insured persons and provider contracts in the Slovak market.

Regional players

• Narodowy Fundusz Zdrowia (NFZ): Polish national health fund administering statutory health insurance contributions in Poland. Comparable payer-side role in a regional CEE market, though structured as a single national fund rather than competing insurers.
• ÖGK (Österreichische Gesundheitskasse): Austrian statutory health insurance carrier, formed by merger of regional funds, administering contribution-based health coverage for the majority of Austrians. Comparable regulatory model and payer responsibilities.
• VZP ČR (Všeobecná zdravotní pojišťovna): Largest public health insurer in the Czech Republic, operating under a near-identical statutory contribution model (employee/employer split) and serving a comparable population share. Strong functional analogue in a neighboring CEE market.

Broad incumbents

• Bupa: Global health insurance and healthcare provider with strong European footprint, operating health insurance products across multiple markets. Comparable in offering member-engagement digital services alongside core insurance.
• CNAM (Caisse nationale de l'Assurance Maladie): French national health insurance fund managing statutory health coverage for the majority of residents, including digital services via the Ameli platform. Comparable payer-side digital transformation ambitions.
• AOK Bundesverband: Largest group of statutory health insurance funds in Germany, serving tens of millions of insured persons under a contribution-based model. Comparable at scale on member base, provider contracting, and statutory insurance framework.
• Helsana Group: Leading Swiss health insurer with mandatory basic insurance (compulsory coverage like VšZP) plus supplemental offerings. Comparable mix of statutory and supplementary benefits and broad member engagement programs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCLrPQX_iXjudWHAs8IxSzcg
• Facebookfacebook.com/VSZP.sk
• LinkedInlinkedin.com/company/vseobecna-zdravotna-poistovna-a.s.
• Instagraminstagram.com/vszp.sk/?hl=sk

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 zdravotná poisťovňa