The Health Insurance Institute of Slovenia

What The Health Insurance Institute of Slovenia does

The Health Insurance Institute of Slovenia (Zavod za zdravstveno zavarovanje Slovenije, ZZZS) is a government state institution established in 1992 that administers Slovenia's mandatory health insurance system under statutory authority defined by the Health Insurance Act (ZZVZZ). It provides coverage to all legal residents of Slovenia — effectively the entire national population of approximately 2.1 million — operating as the sole statutory administrator of mandatory health insurance contributions collected through payroll taxes and self-employed contributions. The institute's operations span insurance enrollment, health insurance card issuance (including the European Health Insurance Card for cross-border coverage), sick leave compensation, long-term care insurance, and contracting with healthcare providers for service delivery. Services to citizens are provided free of charge at the point of use.

The institute operates a multi-portal digital platform architecture serving three distinct user groups: insured persons (zavarovanec.zzzs.si), healthcare providers (partner.zzzs.si), and contribution payers (zavezanec.zzzs.si). Its technology stack includes electronic application systems (e-Vloge), a real-time insurance verification system (ON-LINE) accessible via portal and SMS, an electronic sick leave system (eBOL), a digital certificate authority (ZZZS-CA) for secure authentication, an electronic fraud reporting system (e-Prijava), and a public API infrastructure for healthcare provider integration. The institute maintains a network of 10 regional offices (Območne enote) across Slovenia — including Celje, Koper, Krško, Kranj, Ljubljana, Maribor, Murska Sobota, Nova Gorica, Novo mesto, and Ravne na Koroškem — plus an information center unit, ensuring nationwide physical accessibility. Technology partners include Agenda d.o.o. for application development and maintenance and Grafex d.o.o. for design collaboration.

The business model is non-commercial: ZZZS does not sell products or services in a market sense. Funding flows through mandatory statutory contributions rather than pricing mechanisms, and the institute operates as a public administrative body rather than a revenue-generating enterprise. Revenue figures are not disclosed in available materials. The organization's strategic positioning emphasizes solidarity-based universal coverage, transparency through public data portals, and ongoing digitization of administrative processes. Recent operational developments in 2026 include the introduction of electronic instructions for work absence handling (eNR), expansion of dental coverage to include white composite fillings, enhanced wig provisions for oncology patients, and the convening of the institute's first Development Forum. Robert Ljoljo serves as General Director (Generalni direktor).

Name

The Health Insurance Institute of Slovenia

Legal name

Zavod za zdravstveno zavarovanje Slovenije

Website

https://zzzs.si

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

501–1,000 employees

Short description

ZZZS is Slovenia's statutory government institution administering mandatory health insurance for all residents. It operates digital portals for insured persons, healthcare providers, and contribution payers, issues health and European insurance cards, and manages long-term care insurance nationwide.

Ownership category

akta.pro rank

Product category

Public Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro industry

PRIMARYBPAIAJAN

Health Regulation, Licensing & Compliance (Public Health)

Business & Public Services/Public Sector & Government Administration/Public Health Administration & Regulation

Keywords

• Public health insurance
• Mandatory health insurance administration
• Health insurance card issuance
• Long-term care insurance
• Healthcare contribution management

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels6 records

Core offering

The Health Insurance Institute of Slovenia (ZZZS) administers Slovenia's mandatory public health insurance system, including compulsory long-term care insurance. It issues health insurance cards (national and European), manages electronic services for insurance verification, billing and sick-leave documentation, and oversees a solidarity-based contribution system funded through payroll and self-employment contributions. Services are delivered via a network of 10 regional offices, dedicated web portals, and a digital certificate authority for secure healthcare data exchange.

Product overview

The Health Insurance Institute of Slovenia (ZZZS) operates a multi-portal platform architecture consisting of three main customer-facing portals: Portal za zavarovance (for insured persons), Portal za izvajalce (for healthcare providers), and Portal za zavezance (for contribution payers). These portals provide access to core products including the Health Insurance Card system, Electronic Services (eVloge, e-Poizvedbe), and Long-term Care Insurance. Supporting systems include the ON-LINE Insurance Verification System, ZZZS Digital Certificate Authority, and Electronic Publishing platform for legal documents and statistics. The main website at www.zzzs.si serves as the central hub with links to all specialized portals.

Differentiator

Problem solved

Functional benefit

Products and services

• Portal za zavarovance (Portal for Insured Persons) Self-service online portal for insured persons providing access to health insurance information, insurance status checks, ordering of Slovenian and European health insurance cards, professional card acquisition, and personal data access.
• Portal za izvajalce (Portal for Healthcare Providers) Portal for contracted healthcare service providers and medical device suppliers offering services for recording and billing health services, pricing information, medication and medical device management, and contract administration under compulsory health insurance.
• Portal za zavezance (Portal for Contribution Payers) Portal for contribution payers (employers and self-employed persons) providing electronic registration in compulsory social insurance and management of health and long-term care insurance contributions.
• Kartica zdravstvenega zavarovanja (Health Insurance Card) Standardized health insurance card issued to insured persons in Slovenia, used for insurance verification and access to healthcare services; includes a national version and a European Health Insurance Card (EHIC) for cross-border coverage.
• Obvezno zavarovanje za dolgotrajno oskrbo (Compulsory Long-Term Care Insurance) Compulsory insurance scheme for long-term care providing cash benefits and in-kind services to individuals who require extended care support due to functional or cognitive impairment.
• ZZZS Elektronske storitve (ZZZS Electronic Services) Electronic services platform providing e-applications (e-Vloge), an e-query system (e-Poizvedbe), electronic document handling, and digital certificate authentication for ZZZS administrative processes.
• eVloge (Electronic Applications) Electronic form-submission system for submitting insurance-related applications and requests to ZZZS online, including ordering of health insurance cards and European Health Insurance Cards.
• Sistem ON-LINE (ON-LINE Insurance Verification System) Real-time insurance status verification system available to healthcare providers via the partner portal and via SMS for field use, enabling real-time confirmation of insurance coverage.
• Overitelj digitalnih potrdil ZZZS (ZZZS Digital Certificate Authority) Digital certificate authentication authority (CA) operated by ZZZS that issues and manages digital certificates for secure electronic communications and digital signatures across the Slovenian health insurance ecosystem.
• Podatkovni portal ZZZS (ZZZS Data Portal) Public data portal providing financial performance data and statistical indicators on compulsory health insurance implementation, including health analytics, economics, finance, and accounting information.

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Agenda d.o.o.coreTechnology or IntegrationApplication development and maintenance partner responsible for ZZZS's web applications and information systems.
• Healthcare Providers (Hospitals, Clinics, Doctors)coreChannel Partner/ Reseller/ DistributorContracted healthcare providers that deliver health services to insured persons under the mandatory health insurance scheme. Includes hospitals, primary care physicians, specialists, pharmacies, and medical device suppliers.
• National Institute of Public Health (NIJZ)coreTechnology or IntegrationCollaboration on eHealth systems. Professional cards for healthcare workers provide access to eZdravje (Slovenian eHealth) information solutions managed by NIJZ.
• European Health Insurance InstitutionscoreStrategic or Co-development PartnerCross-border healthcare coordination with European health insurance institutions for EU social security regulation implementation, including European Health Insurance Card (EHIC) reciprocal arrangements.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Croatian Health Insurance Fund (HZZO): Hrvatski zavod za zdravstveno osiguranje is Croatia's statutory sole administrator of mandatory health insurance, structurally and functionally analogous to ZZZS for a comparable-sized Central European population.
• VZP ČR (General Health Insurance Company of the Czech Republic): Všeobecná zdravotní pojišťovna is the largest Czech statutory health insurance fund, administering mandatory public health insurance with similar contribution, provider billing, and cross-border functions as ZZZS.
• NIHDI (National Institute for Health and Disability Insurance, Belgium): Belgium's statutory health and disability insurance administrator manages mandatory coverage with similar contribution collection, provider payment, and cross-border EU coordination functions as ZZZS.

Broad incumbents

• AOK (Allgemeine Ortskrankenkassen): Germany's largest group of statutory health insurance funds operates a similar mandatory-insurance, contribution-funded model with electronic health card infrastructure, directly comparable to ZZZS's role in Slovenia but at much greater scale.
• CNAM (Caisse Nationale d'Assurance Maladie): France's national health insurance fund administers mandatory health coverage with comparable electronic services (Ameli portal), insurance card functions, and provider reimbursement workflows to ZZZS.

Others

• NIJZ (National Institute of Public Health, Slovenia): Slovenia's national public health agency is a strategic counterpart to ZZZS, jointly responsible for eZdravje and health-system digitalization — a complement rather than competitor, but directly comparable as a peer public-health institution in the same national ecosystem.

Regional players

• HELFO (Helseøkonomiforvaltningen, Norway): Norway's governmental agency for health-economics administration handles public healthcare reimbursement, patient travel, and EHIC-equivalent functions, structurally analogous to ZZZS but serving a Nordic rather than Central European population.
• DÖAK (Dachverband der Österreichischen Sozialversicherung): Austrian social insurance umbrella coordinates mandatory health insurance funds (Gebietskrankenkassen) with cross-border and e-card functions comparable to ZZZS's domestic and EHIC operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/zavod-za-zdravstveno-zavarovanje-slovenije

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about The Health Insurance Institute of Slovenia