Hrvatski Zavod Za Zdravstveno Osiguranje

What Hrvatski Zavod Za Zdravstveno Osiguranje does

Hrvatski Zavod Za Zdravstveno Osiguranje (HZZO) is the Croatian Health Insurance Fund, a government state entity (javna ustanova) operating under the Ministry of Health. Its supplementary health insurance division, branded DZO (Dopunsko zdravstveno osiguranje), is the legally designated state-run provider of voluntary supplementary health insurance that covers the co-payment portion of healthcare costs not paid by Croatia's compulsory health insurance scheme. The core product is a single uniform insurance policy priced at €180 annually (€15 monthly), available to every Croatian citizen over 18 with compulsory insurance at the same price regardless of age or health status, under an intergenerational solidarity model. Coverage spans specialist consultations, specialist diagnostics, hospital care, orthopedic and dental aids, and rehabilitation; maximum co-payment coverage per invoice is €530.88, calculated against a €441.44 budget base.

The entity distributes the product through an omnichannel infrastructure: a dedicated online web shop (webshop-dopunsko.hzzo.hr) enabling four-step self-service enrollment and 25-day pre-expiry renewal, 21 regional offices (Područni uredi) with additional branch locations (ispostave) across every Croatian county, employer cooperation agreements that collect premiums via payroll deduction (administrativna zabrana), and postal/mail applications. The DZO insurance card enables cashless payment of co-payments at all public healthcare institutions and contracted private practices nationwide, and policyholders can verify coverage via the e-saldo online balance service. The state budget pays premiums directly on behalf of vulnerable groups including people with 100% disability, organ donors, regular blood donors (35+ donations for men, 25+ for women), regular students, and low-income insured persons below defined thresholds.

Revenue is generated primarily through recurring subscription premiums from individual policyholders (€180/year or €15/month) and state-budget transfers for the protected categories, supplemented by payroll-deducted employer group enrollments. The business serves over 2 million policyholders with reported satisfaction above 80% and a 15-day policy activation period. HZZO/DZO is not a commercial enterprise and is not investable in the conventional PE/VC sense; it is a regulated state monopoly whose competitive position is defined by statute, nationwide infrastructure, and integration with Croatia's compulsory insurance system.

Name

Hrvatski Zavod Za Zdravstveno Osiguranje

Legal name

Hrvatski zavod za zdravstveno osiguranje

Website

https://dzo.hzzo.hr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Hrvatski Zavod Za Zdravstveno Osiguranje (HZZO) is the Croatian government's state-run health insurance fund, operating the DZO supplementary insurance scheme that covers healthcare co-payments for 2+ million Croatian citizens at a uniform €180 annual premium, distributed through 21 regional offices, employer partnerships, and an online web shop.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

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

akta.pro industry

PRIMARYFSAIAFAD

Small Group Health Insurance (2–50/100)

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

SECONDARYFSAIAFAE

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

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

SECONDARYFSAIAEAB

Off-Exchange Individual Major Medical Plans

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Supplementary health insurance
• Voluntary health insurance
• Co-payment coverage
• Health insurance fund
• Participation cost insurance

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices23 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Supplementary Health Insurance Premiums: Annual or monthly premium collection from insured persons. Standard annual premium is 180.00 EUR (15.00 EUR monthly). For those covered by state budget, premium is paid by the Croatian government. Payment methods include bank transfer, standing order, salary deduction, and credit card for web shop purchases.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

HZZO's DZO division sells supplementary (voluntary) health insurance to Croatian citizens aged 18 and above, covering the difference between full healthcare service costs and what compulsory health insurance pays. The insurance covers co-payments for specialist consultations, diagnostics, hospital care, orthopedic and dental aids, and rehabilitation. Customers can purchase through an online web shop, regional offices, employer group agreements, or postal applications at a uniform annual premium of 180.00 EUR.

Product overview

HZZO Dopunsko (DZO) is a supplementary health insurance product operated by the Croatian Health Insurance Fund. The core offering is the DZO supplementary health insurance policy, available through multiple channels: an online web shop, regional offices, via employers, or by mail. The product portfolio includes the main insurance product, a digital web shop for online policy purchase, an e-saldo balance checking service, downloadable insurance forms, and an insurance card enabling cashless payment of healthcare co-payments. The insurance has a uniform price for all citizens (180 EUR annually or 15 EUR monthly) and covers 20% of healthcare costs up to the full price of services defined by mandatory health insurance law.

Differentiator

Problem solved

Functional benefit

Products and services

• Dopunsko zdravstveno osiguranje (DZO) - Supplementary Health Insurance Supplementary health insurance that covers the difference between full healthcare service costs and what is covered by Croatia's mandatory health insurance. Coverage includes hospital treatment, specialist examinations and diagnostics, orthopedic and dental aids, dental prosthetics, and physical rehabilitation. Available to all Croatian citizens aged 18+ with compulsory health insurance at a uniform annual premium of 180.00 EUR.
• Web Shop for DZO (webshop-dopunsko.hzzo.hr) Online platform for purchasing supplementary health insurance policies in four simple steps, allowing users to contract insurance coverage digitally. Supports credit card payment and online policy renewal 25 days before policy expiry.
• Insurance Forms and Documentation Package Comprehensive collection of downloadable insurance forms including offer forms for legal entities, offer forms for individuals, contract forms, requests for insurance termination, requests for new insurance cards, and budget-based insurance forms. Available at dzo.hzzo.hr/obrasci.

Quantifiable outcome

• Covers up to 530.88 EUR per invoice for healthcare services
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Euroherc Osiguranje: Croatian insurance company (Adriatic Slovenica Group) offering voluntary health insurance products to individuals and groups in Croatia, directly competing with DZO in supplementary coverage.
• Generali osiguranje (Croatia): Croatian subsidiary of Generali Group offering health, life, and accident insurance including voluntary supplementary health products competing with DZO.
• Triglav Osiguranje (Croatia): Slovenian-owned Croatian insurer offering voluntary health insurance products to individuals and groups, positioned as a competitor in the same supplementary health insurance category as DZO.
• UNIQA Osiguranje (Croatia): Austrian-headquartered UNIQA's Croatian subsidiary offers voluntary health insurance products directly competing with DZO for both individual and employer-sponsored supplementary coverage, with differentiated, risk-based pricing.
• Wiener Osiguranje (VIG Croatia): Croatian subsidiary of Vienna Insurance Group offering health, life, and accident insurance. Competes with DZO in supplementary health, particularly via employer group contracts.
• Allianz Hrvatska: Croatian arm of Allianz offering supplementary health and group health insurance to individuals and corporate clients, competing head-to-head with DZO especially in the employer-sponsored channel.

Regional players

• Narodowy Fundusz Zdrowia (NFZ Poland): Polish state health fund administering compulsory public health insurance. Comparable to HZZO in mandate and structure, and a useful peer for assessing how state health insurance operators evolve in Central European markets.
• Všeobecná zdravotná poisťovňa (VšZP Slovakia): Slovak state-owned health insurance company operating in a structurally similar Central European supplementary insurance market. A useful comparator for state-backed single-payer-adjacent health insurance models in the region.

Broad incumbents

• Croatia Osiguranje: Largest Croatian insurance company offering a broad portfolio including voluntary/supplementary health, life, and P&C products. Directly competes with HZZO DZO in the supplementary health insurance segment while also serving as the historical market incumbent.

Others

• Croatian Health Insurance Fund (compulsory branch): The compulsory health insurance arm of the same parent organization (HZZO) that DZO sits within. DZO's product is structurally dependent on HZZO's compulsory coverage design — together they form the integrated two-tier health insurance architecture in Croatia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hrvatski-zavod-za-zdravstveno-osiguranje

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Hrvatski Zavod Za Zdravstveno Osiguranje