Triglav zdravje

What Triglav zdravje does

Triglav zdravje is a Slovenian supplementary health insurance and health services brand operated by Zavarovalnica Triglav d.d. (Triglav Insurance), the country's largest insurance group, with headquarters at Miklošičeva cesta 19, Ljubljana. The company sells a portfolio of individual/family products — Specialist+, Specialist, Specialist Accident, Zobje+, Zobje, Zdravnik 360, Operacije, and Death due to Accident — and a parallel corporate/collective (Kolektivno) suite covering specialist, dental, health advice, psychological help, cancer diagnosis, second medical opinion, and surgical operations. Distribution is multi-channel: direct sales via a dedicated hotline (080 28 64), the i.triglav self-service digital platform, and the parent group's physical branch and agent network, supported by a curated network of 450+ private specialist providers across all 12 Slovenian statistical regions and a Zdravstvena točka (Health Point) coordination service that routes policyholders to the first available appointment.

The underlying technology stack is centered on the i.triglav digital portal for policy management, payments, and service access, with a mobile companion. The company does not publish an API, has no disclosed AI/ML capabilities, and its technology positioning is best characterized as a digital service layer over a traditional insurance product rather than an AI-native platform. Editorial and content marketing is unusually developed: more than 50 verified medical experts contribute content across 23 specialty areas (allergology, cardiology, dermatology, gynecology, etc.), published on triglavzdravje.si and distributed via a weekly newsletter (E-novice), functioning as top-of-funnel demand generation.

The business model is recurring premium revenue from individual and corporate subscribers, with no public pricing disclosure. There is no independent funding history — Triglav zdravje is funded and capitalized inside the publicly listed Zavarovalnica Triglav d.d. — and the company reports 51–100 employees, consistent with a sub-scale brand unit rather than a standalone P&L of meaningful size. Revenue, GWP, claims ratios, and account-level data are not disclosed in the source.

Name

Triglav zdravje

Legal name

Zavarovalnica Triglav, d.d.

Website

https://triglavzdravje.si

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Triglav zdravje is a Slovenian supplementary health insurance and health services brand within Zavarovalnica Triglav d.d., selling individual and corporate insurance products (specialist, dental, surgical, psychological, oncology, second opinion) through a 450+ private provider network and the i.triglav digital platform.

Ownership category

akta.pro rank

Product category

Supplementary Health Insurance

NAICS

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

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Diagnostic & Triage Decision Support (HLACAGAA), Employer-On-Demand Care & Triage Platforms (HLALAJAH)

Keywords

• Supplementary health insurance
• Dental insurance coverage
• Specialist medical insurance
• Corporate health benefits
• Private healthcare access

Headquarters

HQ city

Koper

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Revenue generated from supplemental health insurance products including Specialist+, Specialist, Specialist Accident, Zobje+, Zobje, Zdravnik 360, Operations, and Accident Death Insurance. Both individual/family plans and corporate/collective plans are offered.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Triglav zdravje is a brand of Zavarovalnica Triglav, d.d. that sells supplementary health insurance products to individuals, families, and corporate clients in Slovenia. Its portfolio covers specialist consultations, dental care, surgical operations, accident-related death cover, psychological assistance, cancer diagnosis support, and second medical opinions, complemented by the i.triglav digital portal and the Zdravstvena točka (Health Point) appointment-coordination service that connects policyholders with a network of 450+ private healthcare providers across Slovenia.

Product overview

Triglav Zdravje operates as a supplementary health insurance provider under Zavarovalnica Triglav d.d. (Triglav Insurance). The company offers a comprehensive portfolio of supplementary health insurance products and health advisory services. For individuals and families, the core offerings include Specialist+ and Specialist insurance for specialist medical consultations, Zobje+ and Zobje for dental coverage, Zdravnik 360 for 24/7 health advisory services, and Operacije for surgical coverage. The company also provides collective/corporate insurance packages including Specialist Kolektivno, Zobje Kolektivno, Psihološka pomoč Kolektivno (psychological assistance), Diagnoza rak Kolektivno (cancer diagnosis), Drugo mnenje Kolektivno (second medical opinion), and Operacije Kolektivno. The digital platform i.triglav serves as the customer self-service portal for policy management. The health advisory service provides expert medical content across 24+ health areas including allergology, cardiology, dermatology, gynecology, neurology, ophthalmology, and more, connecting users with verified medical experts. The company maintains a network of over 450 healthcare service providers across Slovenia.

Differentiator

Problem solved

Functional benefit

Products and services

• Specialisti+ (Specialist+) Comprehensive supplementary health insurance for individuals and families providing access to specialist medical consultations with extended coverage across medical specialties.
• Specialisti (Specialist) Supplementary health insurance covering specialist medical consultations and treatments for individuals and families.
• Specialisti Nezgoda (Specialist Accident) Supplementary insurance covering specialist consultations related to accident injuries for individuals and families.
• Zobje+ (Dental+) Extended dental insurance coverage providing comprehensive dental care benefits for individuals and families.
• Zobje (Dental) Dental insurance coverage for various dental procedures and treatments for individuals and families.
• Zdravnik 360 (previously Zdravstveni nasvet) Comprehensive health advisory insurance providing round-the-clock access to medical advice and consultations for individuals and families.
• Operacije (Operations / Surgical Coverage) Surgical operations insurance covering costs associated with surgical procedures for individuals and families.
• Smrt zaradi nezgode (Accident Death Coverage) Additional insurance coverage for death resulting from an accident, for individuals and families.
• Specialisti Kolektivno (Corporate Specialist+) Corporate collective insurance providing employees with access to specialist medical consultations with extended coverage.
• Zobje Kolektivno (Corporate Dental) Corporate collective dental insurance coverage for employee dental procedures and treatments.
• Zdravstveni nasvet Kolektivno (Corporate Health Advice) Corporate collective insurance providing employees with access to expert health advice services.
• Psihološka pomoč Kolektivno (Corporate Psychological Assistance) Corporate collective insurance providing employees with access to psychological counseling services.
• Diagnoza rak Kolektivno (Corporate Cancer Diagnosis) Corporate collective insurance providing financial support and coverage upon cancer diagnosis for employees.
• Drugo mnenje Kolektivno (Corporate Second Medical Opinion) Corporate collective insurance providing employees with access to second medical consultations from specialists.
• Operacije Kolektivno (Corporate Surgical Coverage) Corporate collective surgical operations insurance for employee coverage.
• i.triglav Digital Self-Service Portal Customer self-service digital platform (web and mobile) for managing health insurance policies, viewing coverage, making payments, and accessing personalized services.

Quantifiable outcome

• Over 450 healthcare provider relationships across Slovenia

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Triglav Group CompaniescoreStrategic or Co-development PartnerTriglav Zdravje operates as a brand within Zavarovalnica Triglav and collaborates with other Triglav Group companies including Triglav Skladi (asset management), Triglav Svetovanje (advisory), Triglav pokojninska družba (pension company), Triglav Re (reinsurance), Triglav Avtoservis, Triglav upravljanje nepremičnin (real estate), Triglav INT, Triglav tek, Triglav LAB, and others within the Triglav Group ecosystem.
• Healthcare Provider Network (450+ providers)coreTechnology or IntegrationExtensive network of over 450 private specialist healthcare providers across all Slovenian regions including Pomurska, Podravska, Koroška, Savinjska, Zasavska, Posavska, Jugovzhodna Slovenija, Osrednjeslovenska, Gorenjska, Primorsko-notranjska, Goriška, and Obalno-kraška regions

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Vzajemna zdravstvena zavarovalnica: Slovenia's other major supplementary health insurance provider, offering complementary health plans covering specialist visits, dental, hospital care, and diagnostics to individuals and corporate clients — directly comparable in product mix, target customer, and single-country Slovenian footprint.
• Generali zavarovalnica (Slovenia): Subsidiary of Generali Group offering health, life, and P&C insurance in Slovenia including supplementary health products targeting individuals and corporates — competes for the same Slovenian supplementary health wallet.
• Zavarovalnica Sava: Slovenian composite insurer offering life, P&C, and supplementary health products to individuals and corporates across Slovenia — direct competitor for the same customer wallet and provider-network economics in the Slovenian market.
• Adriatic Slovenica (Zavarovalnica Adriatic Slovenica): Slovenian composite insurer offering supplementary health insurance alongside life and P&C products, distributed through its own branch and agency network — overlapping customer base, product structure, and digital self-service ambitions.

Broad incumbents

• Bupa Global: International health insurer providing individual and corporate supplementary health coverage with integrated provider networks and digital portals — relevant benchmark for product breadth, network-management approach, and digital servicing capability.
• Cigna Healthcare Europe: Global health services and supplementary insurance provider with strong corporate benefits and digital health platform — comparable on B2B collective health, second-opinion, and mental-health product lines that overlap with Triglav Zdravje's collective portfolio.
• Allianz Care: Global health and supplementary health insurance provider from Allianz Group, offering international and expatriate-focused health plans with digital self-service portals — comparable product architecture and digital distribution model even though geographic overlap is limited.
• Zavarovalnica Triglav d.d. (parent): The publicly traded Slovenian insurance group and parent of Triglav Zdravje, offering life, P&C, health, pension, and asset management products across Slovenia and the wider Adriatic region — provides the corporate, distribution, and capital context for Triglav Zdravje's standalone brand.

Emerging players

• NLB Vita (Nova Ljubljanska Banka Vita): Slovenian life and health insurer affiliated with NLB Group, increasingly active in supplementary health and pension products — partial overlap in corporate health benefits and individual health coverage.
• Med24: Slovenian digital health and telehealth platform providing on-demand consultations and integrated care navigation — adjacent competitor on the Health Point / care-coordination value proposition that Triglav Zdravje's Zdravstvena točka service delivers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks2 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/triglav.zdravstvena.zavarovalnica

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 Triglav zdravje