Oborová zdravotni pojišťovna

What Oborová zdravotni pojišťovna does

Oborová zdravotní pojišťovna (OZP) is a statutory Czech public health insurance company established in 1992/1993 under Law No. 280/1992 Coll., originally chartered for employees of banks, insurance companies and the construction industry, and now serving a broader open-enrolment insured base alongside its historical niches. Operationally, OZP manages statutory health insurance for policyholders across all 14 Czech regions through a nationwide branch and expozitura network, a call center (261 105 555), a virtual branch video-consultation channel, and the VITAKARTA digital portal with companion iOS and Android applications. The core platform supports online claims, benefit crediting, physician lookups, and—uniquely per the company's positioning—allows insured persons to influence physician bonus allocations.

Product-wise, the company layers a preventive care franchise on top of the statutory mandate: the STOP series (STOP rakovině, STOP infarktu, STOP osteoporóze, plus Alzheimer's screening via the Czech Alzheimer's Society) covers cancer, cardiovascular, osteoporosis and dementia screening through contracted provider networks and reimbursement coupons. It also offers the Asistenční služba OZP medical consultation service (in partnership with Servodata a.s.), benefit programs (Benefity OZP) covering dental hygiene, vaccinations, sanatorium stays and family/maternity benefits (up to 38,000 CZK per family and 11,000 CZK for mothers/newborns), the VITASHOP PRO-FIT partner discount program, and Health insurance services for foreigners including a dedicated Ukrainian channel. AI is deployed through two external integrations: SkinVision for skin lesion analysis (free to policyholders via 800 CZK coupons) and EUC Healthcare Group AI-assisted mammography reading.

The revenue model is statutory: premiums are set by Czech law and collected from employers and employees at the mandated rate, with OZP operating as a public-law entity rather than a shareholder-owned company. Adjacent revenue is generated through group subsidiary Vitalitas pojišťovna, a.s. (travel and child accident insurance), wholly-owned OZP servis s.r.o. (electricity distribution and trading), and the jointly controlled PREVENCE interest association. Customer acquisition is omnichannel—direct online enrolment, employer partnerships via the Zdravá firma program, branch walk-ins, virtual branch appointments and call-centre sales—primarily targeting Czech-resident employees in banking, insurance and construction plus open-enrolment converts.

Name

Oborová zdravotni pojišťovna

Legal name

Oborová zdravotní pojišťovna zaměstnanců bank, pojišťoven a stavebnictví

Website

https://ozp.cz

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Oborová zdravotní pojišťovna (OZP) is a Czech statutory public health insurance fund serving employees of banks, insurance companies and construction plus open-enrolment policyholders, operating nationwide through branches, the VITAKARTA digital portal, and STOP preventive screening programs integrating SkinVision and AI-assisted mammography.

Ownership category

akta.pro rank

Product category

Public Health Insurance

NAICS

Health and Welfare Funds (525120), Health and Welfare Funds (52512), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Chronic Disease & Health Promotion Program Funding (HLAJALAJ)

Keywords

• Public health insurance
• Health insurance fund
• Preventive health programs
• Insured benefits program
• Health insurance management

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Public Health Insurance Premiums: OZP operates as a public health insurance company under Czech law. Revenue is generated through mandatory health insurance premiums collected from employers and employees based on statutory rates. The company also generates revenue from supplementary health insurance products offered through Vitalitas pojišťovna.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Oborová zdravotní pojišťovna (OZP) operates as a Czech public health insurance fund providing mandatory statutory health insurance coverage primarily to employees of banks, insurance companies, and the construction industry, plus their families. The fund supplements statutory coverage with the STOP series of preventive screening programs (cancer, cardiovascular, osteoporosis, Alzheimer's), benefit contributions, the VITAKARTA digital self-service portal, and supplementary insurance products through its subsidiary Vitalitas pojišťovna.

Product overview

Oborová zdravotní pojišťovna (OZP) is a Czech health insurance company offering public health insurance through a digital-first approach. The core product is VITAKARTA, a comprehensive client portal and mobile application (iOS/Android) that provides online access to insurance services, health records, and benefits management. Supporting the core platform are specialized preventive care programs under the STOP series (covering cancer, cardiovascular, and other disease prevention), the Asistenční služba assistance service, benefit programs with financial contributions, and VITASHOP discount offerings. The STOP programs offer free screenings at contracted providers or reimbursement coupons. OZP also integrates third-party AI capabilities including SkinVision for skin analysis and AI-assisted mammography evaluation at partner facilities.

Differentiator

Problem solved

Functional benefit

Brands

• VITAKARTA: Online portal and mobile application for OZP clients to manage health insurance, benefits, and access services without visiting a branch office.
• VITASHOP
• Vitalitas
• Programy STOP

Products and services

• VITAKARTA Digital Portal and Mobile Application Digital client portal and mobile application (iOS and Android) that allows insured persons to manage health records, benefits, premium credits, contract physicians, and claims processing without visiting a branch.
• STOP Prevention Programs Preventive health screening programs covering breast cancer, skin cancer, prostate cancer, colon cancer, kidney cancer, oral cavity cancer, cardiovascular disease, osteoporosis, and Alzheimer's prevention, available as free examinations at contracted providers or reimbursement coupons.
• Asistenční služba OZP (OZP Assistance Service) Medical consultation assistance offering medical advice, physician search and appointment scheduling, and emergency medical guidance for OZP insured clients, operated via VITAKARTA in partnership with Servodata a.s.
• Benefity OZP (Benefits Program) Benefit program providing financial contributions for sports, dental hygiene, vaccinations, preventive examinations, sanatorium stays, rehabilitation, and wellness services for families, seniors, children, and chronically ill policyholders (up to ~38,000 CZK per family).
• VITASHOP (PRO-FIT Discount Program) Discount and benefits program providing OZP clients with access to special offers from contracted partners across health and lifestyle categories.
• Zdravotní pojištění cizinců (Health Insurance for Foreigners) Health insurance services for foreign nationals including Ukrainian citizens, with dedicated Ukrainian-language customer service and online application forms.
• SkinVision Integration AI-powered mobile application for skin lesion analysis integrated with OZP's STOP rakovině kůže (STOP Skin Cancer) preventive program, allowing clients to check moles via smartphone camera analysis with an annual coupon worth 800 CZK.
• Vitalitas Insurance Products Supplementary commercial insurance products offered through group subsidiary Vitalitas pojišťovna, a.s., including travel insurance and accident insurance for children.

Quantifiable outcome

• Over 100,000 women examined for breast cancer in 5 years with nearly 1% diagnosed with health issues
• +3 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• Servodata a.s.coreTechnology or IntegrationServodata a.s. provides the Assistance Service (Asistenční služba OZP) for medical consultations. The company operates from Karolínská 661/4, 186 00 Praha - Karlín, IČO 251 12 775, and enables OZP customers to receive online medical consultations through the VITAKARTA platform.
• Vitalitas pojišťovna, a.s.coreStrategic or Co-development PartnerVitalitas pojišťovna is part of the OZP Group (koncern OZP) and provides supplementary insurance products including travel insurance and accident insurance for children. The company is a member of the PREVENCE association along with OZP.
• PREVENCEcoreStrategic or Co-development PartnerInterest association of legal entities (zájmové sdružení právnických osob) established to protect members' interests in healthcare services, develop conditions for improving health services, represent members before state institutions, and prepare and implement health prevention programs. Members include OZP and Vitalitas pojišťovna.
• SYNLABcoreStrategic or Co-development PartnerLaboratory network providing PSA (prostate-specific antigen) testing services for OZP's STOP rakovině prostaty preventive program. Clients can access testing without referral at SYNGRAM collection points across Czech Republic.
• EUC (Healthcare Group)coreStrategic or Co-development PartnerEUC Healthcare Group provides mammography screening services with AI-assisted image analysis for OZP insured patients. Partner facilities include EUC Mamocentra in Kladno, Liberec, Ústí nad Labem, Česká Lípa, and Bílina.
• Česká alzheimerovská společnost (Czech Alzheimer's Society)coreStrategic or Co-development PartnerProvides Alzheimer's prevention screening services for OZP insured persons aged 40+ through a network of contact centers across Czech Republic as part of the preventive care program.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Všeobecná zdravotní pojišťovna České republiky (VZP ČR): The largest Czech public health insurance fund, operating under the same statutory framework as OZP. Directly comparable as it competes for the same insured population across all employer sectors, offers a parallel mobile platform (Moje VZP), and provides a comprehensive benefits catalog including preventive screening.
• Zdravotní pojišťovna ministerstva vnitra ČR (ZPMV ČR): Czech statutory health insurance fund originally serving Ministry of Interior employees, now open to broader populations. Direct peer with same regulatory regime, employer-anchored origin, comparable digital services, and similar preventive care offerings.
• Česká průmyslová zdravotní pojišťovna (ČPZP): One of the larger Czech statutory health insurance funds serving industrial-sector employees and broader populations. Directly comparable product/market fit, with employer-focused legacy, parallel digital tools, and competitive positioning against OZP for member migration.
• Vojenská zdravotní pojišťovna ČR (VoZP): Czech statutory health insurance fund for military personnel and their families, with public membership. Operates the same statutory premium model, deploys comparable digital self-service, and competes with OZP for shared employee/family segments.
• Zaměstnanecká pojišťovna Škoda (ZPŠ): Sector-specific Czech statutory health fund originally serving Škoda Auto employees. Highly comparable to OZP given its employer-anchored origin, statutory premium model, and similar geographic reach within the Czech Republic.
• Revírní bratrská pokladna, zdravotní pojišťovna (RBP): Czech statutory health insurance fund with mining-sector heritage, now open to general public. Same regulatory framework as OZP, parallel digital and benefit portfolio, and direct competitor for member migration in Moravia regions where OZP also operates.

Regional players

• Techniker Krankenkasse (TK): Large German statutory health insurance fund (Ersatzkasse) with extensive digital platform, app-based self-service, and strong preventive-care branding. Conceptually comparable to OZP as a sector-anchored statutory fund, though serving a different geography and operating under German law.

Broad incumbents

• AOK (Allgemeine Ortskrankenkasse): Germany's largest group of regional statutory health insurance funds operating under the same gesetzliche Krankenversicherung framework. Conceptually analogous to OZP at scale — statutory premium, employer-linked membership, and parallel investments in digital member services and preventive programs.

Others

• Vitalitas pojišťovna, a.s. Sister company within the OZP koncern offering supplementary insurance (travel, child accident). Related party that provides direct visibility into the cross-sell model OZP could pursue, though it operates in non-statutory voluntary lines rather than public health insurance.
• Servodata a.s. Czech healthcare-services provider delivering OZP's Assistance Service (online medical consultations via VITAKARTA). Adjacent ecosystem participant; relevant as a peer reference for the digital-care partnership model that differentiates OZP's member experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCCuf2Cc33kzoKuSPcR8Zslg
• Facebookfacebook.com/pojistovnaozp
• LinkedInlinkedin.com/company/ozp/?originalSubdomain=cz
• Instagraminstagram.com/ozp_zdravotnipojistovna
• Xx.com/pojistovnaOZP

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries3 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 Oborová zdravotni pojišťovna