Czech industrial health insurance company

What Czech industrial health insurance company does

Česká průmyslová zdravotní pojišťovna (ČPZP) is a Czech public health insurance company established in 1993 under Act No. 280/1992 Coll. on sectoral, professional, and corporate health insurance funds. Headquartered in Ostrava with 101 branch offices across all 14 regions of the Czech Republic, ČPZP served 1.3 million insured persons and administered 57.9 billion CZK in healthcare service reimbursements in 2025. Operating as a regulated zaměstnanecká zdravotní pojišťovna, the company collects mandatory public health insurance premiums from employers (on behalf of employees), self-employed persons (OSVČ), and state-covered individuals (OBZP), then settles claims with contracted healthcare providers. The customer base spans individuals, employers, OSVČ, OBZP, and a network of contracted doctors, hospitals, clinics, and pharmacies.

Name

Czech industrial health insurance company

Legal name

Česká průmyslová zdravotní pojišťovna

Website

https://cpzp.cz

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Česká průmyslová zdravotní pojišťovna (ČPZP) is a Czech public health insurance company serving 1.3 million insured persons across the Czech Republic through 101 branch offices, the E-přepážka electronic portal, and the Zdraví v mobilu mobile app, administering regulated health insurance premiums and provider reimbursements.

Ownership category

akta.pro rank

Headquarters

HQ city

Ostrava

HQ country

Czechia

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Public Health Insurance Premiums: ČPZP operates as a public health insurance provider in Czech Republic, generating revenue through mandatory health insurance premiums collected from employers on behalf of employees, self-employed persons (OSVČ), and state-covered individuals (OBZP). The company receives contributions based on regulated premium rates and uses these funds to reimburse healthcare providers for medical services.
2. Healthcare Service Reimbursements Administration: Managing reimbursement of healthcare services provided to insured clients, with 57.9 billion CZK paid for health services in 2025.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

ČPZP operates as a Czech public health insurance company (zaměstnanecká zdravotní pojišťovna) providing mandatory health insurance coverage to 1.3 million insured persons across the Czech Republic. The company collects regulated health insurance premiums from employers, self-employed persons (OSVČ), and state-covered individuals (OBZP), and reimburses contracted healthcare providers for medical services rendered to its insured clients. Beyond core insurance, ČPZP offers preventive care programs (Bonus+, vaccinations, screenings, diabetes management), online travel insurance, the E-přepážka digital portal, and the Zdraví v mobilu mobile application with features including electronic insurance cards, step tracking, and preventive program reimbursements.

Product overview

ČPZP (Česká průmyslová zdravotní pojišťovna) is a Czech industrial health insurance company operating as a platform-plus-modules architecture. The core offerings include the main cpzp.cz website and the E-přepážka (Electronic Counter) portal at portal.cpzp.cz for electronic communication, supported by the Zdraví v mobilu mobile app available on Android and iOS. Additional products include travel insurance, preventive health programs (ČPZP PRO for healthcare providers), and the ČPZP dětem children's section. The company covers 1.3 million clients with 101 branches, processing 57.9 billion CZK in healthcare reimbursements in 2025.

Differentiator

Problem solved

Functional benefit

Brands

• Zdraví v mobilu: Mobile application for insured persons to manage health insurance, access medical records, track preventive examinations, and submit preventive program claims.
• ČPZP PRO

Products and services

• Public Health Insurance Coverage
• E-přepážka Electronic Portal

Quantifiable outcome

• 57.9 billion CZK in health service reimbursements in 2025
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and major.

• Other Czech Health Insurance Companies (Společný portál zdravotních pojišťoven)coreTechnology or IntegrationČPZP co-operates with other Czech health insurance companies on a joint portal (portalzp.cz) for common communication infrastructure and shared services for healthcare providers and insured persons.
• Healthcare Providers NetworkcoreChannel Partner/ Reseller/ DistributorČPZP maintains contracts with thousands of healthcare providers across Czech Republic including doctors, hospitals, clinics, pharmacies, and specialists who provide services to insured persons.
• BankID (Bankovní identita)majorTechnology or IntegrationČPZP offers BankID login functionality for electronic authentication, allowing users to access E-přepážka portal using their banking credentials.
• Identita občana (National Identity)majorTechnology or IntegrationČPZP supports login via Identity občana (citizen identity system) for electronic authentication to E-přepážka portal.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Allianz Care: Allianz Care is the international health insurance arm of Allianz Group, offering health and travel insurance products across Europe and globally. Comparable as a multi-product health and travel insurer with digital self-service, though operating in commercial rather than public-mandated markets.
• Cigna Group: Cigna is a major global health insurer offering medical, dental, and supplemental health benefits through employer-sponsored plans. Comparable in its B2B employer-channel orientation and focus on preventive care programs, though with much broader international scale.
• Bupa: Bupa is a global health insurance and healthcare provider operating across multiple international markets including Czech Republic. Comparable as a health-insurance carrier with preventive care emphasis, though at vastly larger global scale and operating under different regulatory regimes.

Emerging players

• Oscar Health: Oscar Health is a US-based digital-first health insurer leveraging mobile apps and engagement programs (step tracking, wellness rewards) to drive member engagement. Comparable in its heavy investment in mobile-app-driven preventive wellness (analogous to ČPZP's Krok pro zdraví and Zdraví v mobilu programs).

Direct peers

• ZPŠ: Zaměstnanecká pojišťovna Škoda is a sectoral Czech public health insurer with origins in Škoda employees. Comparable in its zaměstnanecká heritage, scale profile, and employer-group focus to ČPZP, often appearing in consolidation discussions.
• OZP: Oborová zdravotní pojišťovna zaměstnanců bank, pojišťoven a stavebnictví is a sectoral Czech public health insurer serving banking, insurance, and construction employees. Comparable to ČPZP in its sectoral-employer heritage and current member-acquisition model.
• VoZP ČR: Vojenská zdravotní pojišťovna ČR is a Czech public health insurance company originally serving military personnel but now open to the public. Directly competes with ČPZP for insured members under the same regulated premium and benefit framework.
• ZP MV ČR: Zdravotní pojišťovna ministerstva vnitra ČR is one of the seven Czech public health insurance companies serving ministry employees, security forces, and the general public. Operates with the same mandatory premium structure and competing for the same members as ČPZP.
• RBP: Revírní bratrská pokladna, zdravotní pojišťovna is a Czech public health insurer serving primarily northern Moravia and Silesia regions. Closest geographic competitor to ČPZP given Ostrava-headquartered rivalry in the same industrial heritage region.
• VZP ČR: Všeobecná zdravotní pojišťovna České republiky is the largest Czech public health insurance company with over 5 million insured. It operates under the same regulatory framework as ČPZP (Act No. 280/1992 Coll.) and competes for the same employer-group and individual members across all Czech regions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCVe1-fT5BG1m-32zPdtKjzA
• Facebookfacebook.com/CPZP.cz
• Instagraminstagram.com/cpzp205

Compliance3 records

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 Czech industrial health insurance company