Croatian Pension Insurance Institute

What Croatian Pension Insurance Institute does

Hrvatski zavod za mirovinsko osiguranje (HZMO) is the Croatian state pension insurance institute, established in 1992 as the successor to the Yugoslav-era pension insurance system, operating under the Ministry of Labour, Pension System, Family and Social Policy. As a public institution (javna ustanova), HZMO is the sole mandated administrator of Croatia's compulsory pension insurance system based on generational solidarity, serving 1,798,712 insured persons and 1,234,203 pension beneficiaries as of mid-2026. It also administers child benefits (doplatak za djecu) for 119,432 recipients and the national benefit for elderly persons (nacionalna naknada za starije osobe) for 19,398 recipients, with semi-annual pension indexation (January 1 and July 1) and cross-border pension coordination under EU regulations and international social security agreements.

HZMO's core product is a unified digital services ecosystem comprising the e-Usluge portal (integrated with the e-Građani e-Government system), the Lana electronic business platform for employer registrations, the Moja mirovina pension information and calculation portal, the e-Radna knjižica (ERPS) electronic employment record, and the Potvrda o prvom zaposlenju electronic certificate service. The technology stack is certified to ISO/IEC 27001:2022 for information security management (one of the rare state administration bodies in Croatia with this certification) and is supported by a nationwide network of regional offices, Pension Information Centers in Zagreb and Split, and growing digital self-service channels. Recent product launches in 2024-2025 have progressively expanded electronic service availability for both citizens and business users.

HZMO's revenue model is non-commercial: it is funded by mandatory pension insurance contributions from employees and employers, supplemented by direct allocations from the Croatian state budget for administration of social security programs including national benefits and child benefits. The institution does not charge fees for core services and operates as a regulatory monopoly with no private competitors. International advisory days and bilateral cooperation with pension institutions in Slovenia, Austria, Germany, Bosnia and Herzegovina, Serbia, Montenegro, and North Macedonia support cross-border pension rights administration.

Name

Croatian Pension Insurance Institute

Legal name

Hrvatski zavod za mirovinsko osiguranje

Website

https://mirovinsko.hr

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

HZMO is the Croatian state pension insurance institute administering mandatory pension insurance, child benefits, and national elderly benefits for 1.8 million insured persons and 1.2 million pension beneficiaries, operating a nationwide digital service portal under statutory monopoly.

Ownership category

akta.pro rank

Product category

Public Pension Insurance

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120)

SIC

Services-Social Services (8300)

akta.pro industry

PRIMARYBPAIAKAA

Pensions & Retirement Benefits Administration

Business & Public Services/Public Sector & Government Administration/Social Security, Benefits & Welfare Administration

SECONDARYBPAIAKAD

Family & Child Benefits Administration (Child Allowance, Parental Leave)

Business & Public Services/Public Sector & Government Administration/Social Security, Benefits & Welfare Administration

SECONDARYBPAIAKAK

Social Care & Long-Term Care Benefits Administration

Business & Public Services/Public Sector & Government Administration/Social Security, Benefits & Welfare Administration

Keywords

• Pension insurance administration
• Social security benefits
• Public pension services
• Child benefit distribution
• Elderly benefit programs

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Insurance Contributions: Mandatory pension insurance contributions collected from employees and employers that fund the pension insurance system.
2. State Budget Financing: Government funding from the Croatian state budget for administration of social security programs including national benefit for the elderly, child benefits, and pension payments.

Distribution channels3 records

Marketing channels5 records

Core offering

The Croatian Pension Insurance Institute (HZMO) is the official Croatian state institution that administers mandatory pension insurance based on generational solidarity. It manages old-age, disability, and family pensions, distributes child benefits (doplatak za djecu) and the National Benefit for the Elderly (nacionalna naknada za starije osobe), issues A1 certificates for EU social security coordination, and administers bilateral pension agreements with multiple countries. Services are delivered through a nationwide network of regional offices and a unified electronic services portal (e-Usluge) integrated with Croatia's e-Citizens (e-Građani) system.

Product overview

The Croatian Pension Insurance Institute (Hrvatski zavod za mirovinsko osiguranje - HZMO) operates as a comprehensive digital government services platform for pension insurance and related social security benefits. The core offering is the e-Usluge (Electronic Services) portal, which provides a unified gateway for citizens and businesses to access multiple interconnected services including e-Zahtjev applications for various pension types (old-age, early old-age, family, disability), child benefits (doplatak za djecu), and the National Benefit for the Elderly. Supporting platforms include the Lana electronic business system for employer registrations, Moja mirovina portal for pension information and calculations, the e-Radna knjižica (ERPS) for employment record access via e-Građani, and the Potvrda o prvom zaposlenju certificate service. The product ecosystem is built around integrated government systems enabling end-to-end digital processing of pension insurance matters.

Differentiator

Problem solved

Functional benefit

Products and services

• e-Usluge (Electronic Services Portal) Unified electronic services portal providing citizens and businesses with online access to pension insurance applications, certificate requests, A1 certificates, and information retrieval, integrated with the Croatian e-Građani system.
• e-Zahtjev za isplatu dijela obiteljske mirovine Electronic application service allowing citizens to apply online for partial family pension payments.
• e-Zahtjev za nacionalnu naknadu za starije osobe Electronic request service for applying online for the National Benefit for the Elderly (national pension) for Croatian citizens aged 65+ meeting residency requirements.
• e-Zahtjev za starosnu/prijevremenu starosnu mirovinu Electronic request service for applying online for old-age or early old-age pension benefits.
• e-Zahtjev za doplatak za djecu Electronic request service for applying online for the Croatian child benefit (doplatak za djecu), an income-tested family subsidy.
• e-Radna knjižica (ERPS) Electronic Record of Employment Rights providing citizens electronic access to their pension insurance status records, viewable through the e-Građani system. Launched in March 2025.
• Lana (Electronic Business Application) Electronic business application system (Lana) for legal entities (employers/business users) to submit insurance registrations, deregistrations, and related business processes with HZMO.
• Moja mirovina Portal Dedicated portal for pension information and calculations, including an online pension calculator allowing citizens to estimate their expected pension amounts.
• Potvrda o prvom zaposlenju (Electronic Certificate of First Employment) Electronic certificate service enabling employers (legal entities and individuals) to submit requests and receive certificates proving first-time employment status for mandatory contribution purposes through the e-Potvrde application. Available to employers from July 2024 and to business users (poslovni korisnici) from September 2025.
• A1 Certificate Issuance Issuance of A1 certificates confirming applicable social security legislation for workers posted or working across EU member states, supporting EU social security coordination.
• Pension Insurance Benefits (Old-Age, Disability, Family Pensions) Core mandatory pension insurance benefits including old-age pensions (starosna mirovina), early old-age pensions (prijevremena starosna mirovina), disability pensions, and family/survivor pensions, calculated based on contribution history and adjusted semi-annually (January 1 and July 1). Includes an annual bonus (godišnji dodatak) of EUR 6 per year of pension insurance service.
• Child Benefit (Doplatak za djecu) Income-tested monthly child benefit paid to Croatian families with children, ranging from EUR 30.90 to EUR 61.80 per child based on income thresholds.
• National Benefit for the Elderly (Nacionalna naknada za starije osobe) Monthly cash benefit of EUR 160.22 (from January 2026) for Croatian citizens aged 65+ with at least 10 years of continuous residence who lack sufficient pension coverage.

Quantifiable outcome

• Pension value indexation rate of 2.68% from January 2026 (AVM 14.84 EUR)
• +2 more outcomes

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Zavod za pokojninsko in invalidsko zavarovanje Slovenije (ZPIZ) - Slovenian Pension and Disability Insurance InstitutecoreStrategic or Co-development Partner · 10 June 2025Bilateral cooperation for international advisory days and meetings. Slovenia hosted the 16th meeting of directors of pension and disability insurance funds of former Yugoslav states in June 2026. Regular exchange of expertise and best practices in pension insurance administration.
• German Pension Insurance (Deutsche Rentenversicherung)coreStrategic or Co-development Partner · 30 April 2025International advisory days and Days of Open Doors organized with German Familienkasse for cross-border pension coordination. Joint events for Croatian insured persons who worked in Germany.
• Austrian Pension Insurance (Österreichische Pensionsversicherung)coreStrategic or Co-development Partner · 1 April 2025Annual international advisory days organized for Croatian insured persons who worked in Austria. Exchange of information on pension rights and procedures.
• Pension and Disability Insurance Fund of Bosnia and HerzegovinacoreStrategic or Co-development PartnerBilateral cooperation for international advisory days and coordination of pension rights between Croatia and Bosnia and Herzegovina.
• Republic Fund for Pension and Disability Insurance of SerbiacoreStrategic or Co-development PartnerInternational advisory days organized in Zagreb for Croatian insured persons who worked in Serbia. Regular bilateral meetings on pension insurance matters.
• Fund for Pension and Disability Insurance of MontenegrominorStrategic or Co-development PartnerParticipation in regional meetings of pension institutions from former Yugoslav states.
• Public Pension and Disability Insurance Fund of North MacedoniaminorStrategic or Co-development PartnerParticipation in regional meetings of pension institutions from former Yugoslav states.
• Hrvatski zavod za zdravstveno osiguranje (HZZO) - Croatian Health Insurance FundcoreStrategic or Co-development PartnerJoint renovation of regional office building in Šibenik with combined investment of 2,400,000 EUR for improved citizen services.
• Matica umirovljenika Hrvatske (Matrix of Croatian Retirees)coreStrategic or Co-development PartnerCollaboration on improving conditions for retirees and elderly persons. HZMO received Kristalni pleter recognition for successful cooperation. MUH has over 100,000 members in more than 400 associations and 800 branches.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Zavod za pokojninsko in invalidsko zavarovanje Slovenije (ZPIZ): Slovenia's national pension and disability insurance institute, a direct equivalent peer operating the same generational solidarity model for mandatory pension insurance; HZMO has an active bilateral cooperation agreement with ZPIZ including annual international advisory days.
• Deutsche Rentenversicherung: Germany's federal pension insurance carrier, administering statutory pension insurance for millions of Germans; HZMO partners with Deutsche Rentenversicherung for annual international advisory days and cross-border pension coordination under EU regulations.
• Public Pension and Disability Insurance Fund of North Macedonia: North Macedonia's statutory pension insurance fund; HZMO participates in regional cooperation meetings of former Yugoslav pension institutions.
• Pension and Disability Insurance Fund of Bosnia and Herzegovina: BiH's statutory pension and disability insurance fund; HZMO maintains bilateral cooperation for international advisory days and coordination of pension rights between Croatia and Bosnia and Herzegovina.
• Republic Fund for Pension and Disability Insurance of Serbia (RF PIO): Serbia's national pension and disability insurance fund, a regional peer administering mandatory pension insurance for Serbian workers; HZMO organizes international advisory days in Zagreb for Croatian insured persons who worked in Serbia.
• Fund for Pension and Disability Insurance of Montenegro: Montenegro's national pension and disability insurance fund; HZMO participates in joint regional meetings of pension institutions from former Yugoslav states.
• Pensionsversicherung (Österreichische Pensionsversicherung): Austria's statutory pension insurance institution managing old-age, disability, and survivor benefits; HZMO operates joint international advisory days with Austrian Pension Insurance for Croatian workers who contributed in Austria.

Broad incumbents

• US Social Security Administration: US federal agency administering Social Security retirement, disability, and survivor benefits; a broad incumbent peer with a pay-as-you-go structure serving tens of millions of beneficiaries, comparable in scale and mandate though far larger.
• UK Department for Work and Pensions: UK government department administering state pensions and welfare benefits; a broad incumbent peer operating a parallel statutory pension and welfare administration model in a larger jurisdiction.

Others

• Hrvatski zavod za zdravstveno osiguranje (HZZO): Croatia's national health insurance fund; a sister Croatian social security institution that HZMO partners with for joint office renovations (Šibenik) and cross-program citizen services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCkgXcpYMse44jAsTo4qXSAw
• Facebookfacebook.com/mirovinsko
• LinkedInlinkedin.com/company/hzmo

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Croatian Pension Insurance Institute