PVZP

What PVZP does

PVZP (Pojišťovna VZP, a.s.) is a Czech non-life insurance company founded in 2006 and headquartered in Prague, operating as a wholly-owned subsidiary of VZP ČR (Všeobecná zdravotní pojišťovna České republiky), the largest public health insurance fund in the Czech Republic. The company provides a diversified portfolio of insurance products spanning travel, expatriate health (Basic, PLUS, and EXCLUSIVE tiers), accident, bundled health (Trojlístek), property and liability, vehicle (Jízda), entrepreneur, and healthcare-provider coverage, with travel insurance serving over 1 million insured travelers annually. In fiscal 2023/2024 PVZP achieved total written premium of 2.253 billion CZK (a historical high) and record profit of 203 million CZK, placing it among the top 10 insurers in the Czech market.

The business model is built on recurring premium collection across both consumer and SMB segments. PVZP distributes through a hybrid architecture combining four owned branches (Prague Lazarská, Vinohrady, and Prague 6; Plzeň; České Budějovice; Karlovy Vary), co-location at thirteen or more VZP ČR branches across the Czech Republic (Liberec, Hradec Králové, Pardubice, Jihlava, Brno, Olomouc, Ostrava, Zlín, Most, Teplice, Jablonec nad Nisou), five dedicated online self-serve portals (cestovni.pvzp.cz, cizinci.pvzp.cz, uraz.pvzp.cz, online.pvzp.cz, pu.pvzp.cz), selected brokerage partners, and inside sales channels. Primary customer segments include foreigners and expatriates residing in the Czech Republic, Czech outbound and domestic travelers, vehicle owners, entrepreneurs and SMBs with property values up to CZK 500 million, and healthcare providers requiring professional liability coverage.

PVZP's underlying technology stack is conventional: web-based quotation, policy management and online claims intake with document upload, a Klientská zóna client portal, and standard underwriting workflows. Strategic technology integrations concluded in 2026 include Intermap's Aquarius RMA property risk analytics platform (with Flat Zone) for underwriting and portfolio management, and a Health4Travel partnership to build a digital network of clinics with appointment booking and cashless payments for expatriate policyholders. Multilingual website versions (Czech, English, Russian, Vietnamese, Ukrainian) extend reach into foreign-resident segments. Entity-level headcount is reported as 11-50 employees, with parent VZP ČR providing institutional scale beyond what that figure suggests.

Name

PVZP

Legal name

Pojišťovna VZP, a.s.

Website

https://pvzp.cz

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

PVZP (Pojišťovna VZP, a.s.) is a Czech non-life insurer and wholly-owned subsidiary of VZP ČR offering travel, expatriate health, property, liability, vehicle, and business insurance to retail and SMB customers, distributed via owned branches, VZP branch co-location, broker channels, and online portals.

Ownership category

akta.pro rank

Product category

Non-life Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

General Liability Insurance (FSAJAMAE), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Travel insurance
• Health insurance
• Property insurance
• Vehicle insurance
• Non-life insurance

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices17 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. Insurance premiums: PVZP generates revenue through collection of insurance premiums from multiple product lines including travel insurance, foreigners health insurance, vehicle insurance, property insurance, accident insurance, and business insurance. Premiums are recurring in nature as policies require ongoing renewal.
2. Travel insurance: Travel insurance product covering medical expenses, hospitalization, quarantine costs, and repatriation for travelers within Czech Republic and abroad. Major product line with over 1,000,000 travelers insured annually.
3. Health insurance for foreigners: Comprehensive health insurance products for expatriates in Czech Republic including basic, PLUS, and EXCLUSIVE tiers. Key market segment for PVZP as subsidiary of VZP.
4. Property and casualty insurance: Vehicle insurance (Jízda), property insurance, and liability insurance for citizens and entrepreneurs.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

PVZP is a Czech non-life insurance company that sells travel insurance, foreigners' health insurance (Basic, PLUS, EXCLUSIVE), accident insurance, bundled Trojlístek health insurance, vehicle insurance (Jízda), property and liability insurance for citizens, entrepreneur insurance, and healthcare provider insurance. Products are distributed through PVZP branches, VZP ČR co-location points, online self-serve portals, and selected brokerages, with underwriting supported by digital claims reporting and partner platforms for property valuation and expatriate healthcare access.

Product overview

PVZP (Pojišťovna VZP, a.s.) is a Czech non-life insurance company and subsidiary of VZP ČR, operating as a multi-product insurance provider. The product portfolio centers on health-related insurance products including travel insurance, multiple tiers of foreigners' medical insurance (Basic, PLUS, EXCLUSIVE), and the bundled Trojlístek health insurance combining accident, daily allowance, and serious illness coverage. Additional offerings include property and liability insurance, vehicle insurance (Jízda), entrepreneur insurance, healthcare provider insurance, and specialized products like Fénix critical illness insurance and MEDVÍDEK children's accident insurance. The company serves over 1 million travelers annually and operates through both its own branches and VZP branches across the Czech Republic.

Differentiator

Problem solved

Functional benefit

Brands

• Trojlístek: Health insurance package combining accident insurance, daily allowance insurance, and serious illness insurance.
• Jízda
• Fénix
• Patron

Products and services

• Cestovní pojištění (Travel Insurance) Travel insurance with the widest coverage for treatment costs, hospitalization, quarantine, and return home expenses. Covers terrorism risk as standard and COVID-19 related expenses, serving Czech travelers domestically and internationally.
• Foreigners' Basic Medical Insurance (Zdravotní pojištění cizinců - Základní)
• Foreigners' Comprehensive Medical Insurance PLUS Comprehensive medical insurance for foreigners with extended coverage including sporting activities, hospitalization insurance, and medical expenses within the Schengen area. Mid-tier option in the foreigners' health insurance product line.
• Foreigners' Comprehensive Medical Insurance EXCLUSIVE Premium health insurance for foreigners with coverage scope comparable to Czech public health insurance, the first commercial health insurance product with identical scope to the public system.
• Úrazové pojištění (Accident Insurance) Financial protection in case of accident providing compensation for loss of income and permanent consequences of injury, with coverage valid worldwide and no medical examination required.
• Trojlístek Health Insurance (Zdravotní pojištění osob Trojlístek) Comprehensive health insurance combining three coverages in one policy: accident insurance, daily allowance insurance during hospitalization, and serious illness insurance. No medical examination required.
• Pojištění majetku a odpovědnosti občanů (Citizens' Property and Liability Insurance) Insurance covering all family property and civil liability in one contract with no underinsurance applied. Includes household, building, and liability coverage with discounts up to 50% for multi-product bundling.
• Pojištění vozidel Jízda (Vehicle Insurance Jízda)
• Pojištění podnikatelů (Entrepreneur Insurance) Comprehensive property and liability insurance for entrepreneurs, municipalities, apartment building owners, and contributory organizations with property values up to CZK 500 million.
• Pojištění poskytovatelů zdravotních služeb (Healthcare Providers Insurance) Complete risk protection for healthcare facility operations including property insurance, business interruption insurance, and liability coverage including mandatory professional liability.
• Pojištění Fénix (Fénix Serious Illness Insurance) Critical illness insurance providing financial protection in case of serious disease diagnosis.
• Zdravotní pojištění Patron (Patron Medical Insurance) Medical insurance product providing additional health coverage for specific needs.
• Dětské úrazové pojištění MEDVÍDEK (Children's Accident Insurance MEDVÍDEK) Specialized accident insurance designed for children providing coverage for injuries and related expenses.

Quantifiable outcome

• 1,000,000+ travelers insured annually
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Health4TravelcoreStrategic or Co-development Partner · 12 January 2026PVZP partnered with Health4Travel, a European digital healthcare platform, to improve outpatient healthcare access for expatriates in the Czech Republic. The strategic partnership aims to create a digital network of clinics to streamline healthcare services, including appointment booking and cashless payments for PVZP clients.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Health4Travel: European digital healthcare platform and PVZP's strategic partner for outpatient care access for expatriates. Comparable as a digital health-services enabler overlapping with PVZP's foreigners' health segment rather than a direct insurance competitor.

Direct peers

• Allianz pojišťovna: Subsidiary of Allianz Group, one of the largest insurers on the Czech market, offering property, motor, travel, and health products. Competes with PVZP across consumer and commercial lines, with materially larger capital and brand resources.
• Kooperativa pojišťovna: One of the top three Czech non-life insurers, part of the Vienna Insurance Group, offering a comparable multi-line portfolio (motor, property, travel, health, liability) to individuals and SMEs. Directly competes with PVZP's P&C and commercial lines.
• ERV Evropská pojišťovna: Specialized Czech travel insurance carrier with European assistance network. Directly competes with PVZP in the 1M+ annual travel insurance segment and a natural comp for travel-line economics.
• Generali Česká pojišťovna: Czech Republic's largest non-life insurance carrier and PVZP's most direct competitor, offering multi-line property, vehicle, travel, and health insurance to individuals and businesses across the same channels. Competes head-to-head with PVZP in essentially every product category.
• Direct pojišťovna: Czech online-first non-life insurer specializing in motor and property insurance sold via digital channels. Represents the digital-native competitive threat to PVZP's traditional P&C lines.
• ČSOB Pojišťovna: Czech insurer owned by ČSOB Group (KBC), offering a comparable multi-line product set to consumers and SMEs. A direct competitor in P&C and a confirmed platform partner with PVZP-adjacent analytics vendors.
• Maxima pojišťovna: Smaller Czech non-life insurer offering travel, motor, property, and accident products. Comparable in scale and product mix to PVZP, representing similar mid-market competitive dynamics.
• UNIQA pojišťovna: Austrian-headquartered insurer with significant Czech operations offering property, motor, health, and travel insurance. Competes with PVZP across both consumer and commercial segments.
• Slavia pojišťovna: Czech non-life insurance carrier offering property, motor, travel, and liability products to consumers and businesses. Direct head-to-head competitor for PVZP in the Czech mid-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pojistovnavzp
• Xx.com/pvzpcz
• LinkedInlinkedin.com/company/pvzp

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 PVZP