Fond zdravstvenog osiguranja Republike Srpske
Fond zdravstvenog osiguranja Republike Srpske is the statutory mandatory public health insurance fund for Republika Srpska, Bosnia and Herzegovina, providing universal health coverage to all residents through the IZIS digital platform, the 'Moje zdravstvo' patient app, and contracted healthcare providers.
- Company typePrivate
- Founded-
- Headquarters—
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Fond zdravstvenog osiguranja Republike Srpske does
Fond zdravstvenog osiguranja Republike Srpske (FZO RS) is the statutory mandatory health insurance fund for the Republika Srpska entity within Bosnia and Herzegovina, headquartered in Banja Luka. Established in 1992, it operates as the sole public insurer for the entity, funding universal health coverage for all residents — employed, unemployed, pensioners, children, and other legally defined categories — through mandatory contributions from employers, employees, and government transfers. The fund contracts with public and private hospitals, health centers, family medicine practices, pharmacies, and specialty clinics across the territory, and coordinates care through a primary care gatekeeper model.
Its core technology is the Integrated Health Information System (IZIS), which connects healthcare institutions, pharmacies, and insurance offices to deliver electronic health records (Elektronski zdravstveni karton), the E-Card (E-Kartica), E-Referrals (E-Uputnica), and E-Prescriptions (E-Recept). In 2026 the fund launched the patient-facing 'Moje zdravstvo' mobile and web application, allowing insured persons to view records, prescriptions, referrals, diagnostic results, and itemized treatment costs, and the E-prevencija module, which runs four population-level screening programs (depression, type 2 diabetes, cardiovascular risk, and colorectal cancer). Institutional applications such as KSZ (consultative specialist care management) and an electronic medicine ordering system are developed and maintained with LANACO Informacione tehnologije.
The fund does not sell products or services in a commercial sense; revenue is contribution-based and set by regulation, and pricing is statutory rather than market-driven. Its distribution is enforced by mandate: every resident is automatically covered, and providers depend on FZO RS contracts for the bulk of their funding. Operational scale is illustrated by annual program budgets such as over 21 million KM for colorectal cancer treatment and 10 million KM for preventive examinations, alongside a recently expanded cross-border organ transplant program with healthcare institutions in Belarus.
Fond zdravstvenog osiguranja Republike Srpske firmographics
Firmographics- Name
- Fond zdravstvenog osiguranja Republike Srpske
- Legal name
- Fond zdravstvenog osiguranja Republike Srpske
- Website
- https://zdravstvo-srpske.org
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Fond zdravstvenog osiguranja Republike Srpske is the statutory mandatory public health insurance fund for Republika Srpska, Bosnia and Herzegovina, providing universal health coverage to all residents through the IZIS digital platform, the 'Moje zdravstvo' patient app, and contracted healthcare providers.
- Ownership category
- akta.pro rank
Fond zdravstvenog osiguranja Republike Srpske industry classification
Industry- Product category
- Public Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Medigap Plan Administration (Enrollment, Billing & Member Services) (HLAEADAC)
Keywords
Fond zdravstvenog osiguranja Republike Srpske business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Infrastructure, Supply Chain, Marketing or Sales
Distribution channels5 records
Marketing channels5 records
Fond zdravstvenog osiguranja Republike Srpske product offering
Product offeringCore offering
Fond zdravstvenog osiguranja Republike Srpske (FZO RS) is the statutory, government-mandated public health insurance fund for the Republika Srpska entity within Bosnia and Herzegovina. It collects mandatory health insurance contributions from employers, employees and government transfers, and finances healthcare services, hospital care, medications, rehabilitation, treatment abroad, organ transplantation and preventive screening for all insured persons. The fund operates the Integrated Health Information System (IZIS) and the Moje zdravstvo mobile/web application that deliver electronic health records, e-card identification, e-referrals and e-prescriptions to insured persons.
Product overview
Fond zdravstvenog osiguranja Republike Srpske operates a multi-product digital healthcare platform centered on IZIS (Integrisani zdravstveni informacioni sistem), an Integrated Health Information System. IZIS serves as the foundational platform providing electronic health records, e-card identification, e-referrals, and e-prescriptions. The patient-facing Moje zdravstvo application (web and mobile) connects to IZIS to provide insured persons access to their electronic health records, prescriptions, referrals, diagnostic results, and treatment cost breakdowns. The E-prevencija module within IZIS delivers four prevention screening programs (depression, colorectal cancer, type 2 diabetes, and cardiovascular risk). Additional institutional applications include KSZ for consultative specialist healthcare management and a medicine ordering system, both developed by LANACO Informacione tehnologije. The E-servis enables insured persons to verify their insurance status online.
Differentiator
Problem solved
Functional benefit
Brands
- IZIS (Integrisani zdravstveni informacioni sistem): Integrated Health Information System - electronic health records, e-prescriptions, e-referrals system
- Moje zdravstvo
- E prevencija
Products and services
- IZIS (Integrisani zdravstveni informacioni sistem)
- Elektronski zdravstveni karton (Electronic Health Record)
- E-Kartica (Electronic Insurance Card)
- E-Uputnica i E-Recept (E-Referral and E-Prescription)
- Moje zdravstvo
- E-Prevencija (Four Preventive Screening Programs)
- E-servis (Insurance Verification)
- KSZ (Konsultativno specijalistička zdravstvena zaštita)
- Naručivanje lijekova
Companies that use Fond zdravstvenog osiguranja Republike Srpske
Customer profileSegments4 records
Ideal customer profiles3 records
Fond zdravstvenog osiguranja Republike Srpske technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Fond zdravstvenog osiguranja Republike Srpske partnerships and signals
Strategic signalRecent moves7 records
Expansion highlights6 records
Fond zdravstvenog osiguranja Republike Srpske competitors and assessment
Company assessmentRegional players
- Compulsory Health Insurance Fund of Albania (FSKSH): Albania's mandatory health insurance administrator. Comparable regional peer with similar statutory role, small-population scale, and ongoing digital health modernization.
- Health Insurance Fund of North Macedonia: North Macedonia's mandatory health insurance fund. Comparable regional peer with similar population scale, mandatory contribution model, and digital transformation trajectory.
- National Health Insurance Fund of Kosovo (FSSK): Kosovo's public health insurance scheme covering a comparable small-population mandatory insurance mandate in the Western Balkans.
- National Health Insurance Company of Moldova (CNAM): Moldova's national mandatory health insurance fund operating a comparable single-payer model with similar scale and post-transition administrative structure.
- Health Insurance Fund of Montenegro: Montenegro's statutory health insurance fund covering a similarly small population with mandatory contributions and public system financing. Comparable Western Balkan mandatory insurer at smaller scale.
Direct peers
- Health Insurance Institute of Slovenia (ZZZS): Slovenia's statutory health insurance provider with mandatory coverage and e-health systems. Direct peer sharing a Western Balkan regulatory legacy but operating at a higher EU-aligned maturity level.
- Republic Fund of Health Insurance of Serbia (RFZO): Serbia's national mandatory health insurance fund. Direct peer as a regional mandatory health insurance administrator with electronic health systems, cross-border treatment financing, and similar governance structure.
- Zavod zdravstvenog osiguranja i reosiguranja Federacije BiH: Federation of BiH's counterpart mandatory health insurance fund. Most direct geographic peer operating the other entity within the same country with identical mandate, structure, and population scale.
- Croatian Health Insurance Fund (HZZO): Croatia's statutory mandatory health insurance fund with similar administrative structure, drug formulary management, and cross-border healthcare coordination role. Most direct peer given shared post-Yugoslav administrative heritage and comparable scope.
Broad incumbents
- National Health Service (NHS) — UK: UK's universal publicly funded health system. Thematic peer for tax/contribution-funded universal coverage at much larger scale; relevant for benchmarking digital health platform maturity and integrated care delivery models.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Fond zdravstvenog osiguranja Republike Srpske social profiles
Digital presenceFond zdravstvenog osiguranja Republike Srpske financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fond zdravstvenog osiguranja Republike Srpske leadership team
Management profileNumber of profiles
Profiles2 records
Fond zdravstvenog osiguranja Republike Srpske funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fond zdravstvenog osiguranja Republike Srpske M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fond zdravstvenog osiguranja Republike Srpske
What does Fond zdravstvenog osiguranja Republike Srpske do?
Fond zdravstvenog osiguranja Republike Srpske (FZO RS) is the statutory, government-mandated public health insurance fund for the Republika Srpska entity within Bosnia and Herzegovina. It collects mandatory health insurance contributions from employers, employees and government transfers, and finances healthcare services, hospital care, medications, rehabilitation, treatment abroad, organ transplantation and preventive screening for all insured persons. The fund operates the Integrated Health Information System (IZIS) and the Moje zdravstvo mobile/web application that deliver electronic health records, e-card identification, e-referrals and e-prescriptions to insured persons.
Is Fond zdravstvenog osiguranja Republike Srpske a public or private company?
Fond zdravstvenog osiguranja Republike Srpske is a private company. It is classified as state government owned and is currently operating.
When was Fond zdravstvenog osiguranja Republike Srpske founded?
Fond zdravstvenog osiguranja Republike Srpske was founded in -1. It employs 1 to 10 people.
Who are Fond zdravstvenog osiguranja Republike Srpske's main competitors?
Regional players on record are Compulsory Health Insurance Fund of Albania (FSKSH), Health Insurance Fund of North Macedonia, National Health Insurance Fund of Kosovo (FSSK), National Health Insurance Company of Moldova (CNAM) and Health Insurance Fund of Montenegro. Direct peers are Health Insurance Institute of Slovenia (ZZZS), Republic Fund of Health Insurance of Serbia (RFZO), Zavod zdravstvenog osiguranja i reosiguranja Federacije BiH and Croatian Health Insurance Fund (HZZO). National Health Service (NHS) — UK is listed as a broad incumbent.
Does Fond zdravstvenog osiguranja Republike Srpske have an API?
No public API is recorded for Fond zdravstvenog osiguranja Republike Srpske.
What industry is Fond zdravstvenog osiguranja Republike Srpske in?
Fond zdravstvenog osiguranja Republike Srpske's product category is Public Health Insurance. Its primary akta.pro industry code is HLAEADAC, Medigap Plan Administration (Enrollment, Billing & Member Services). Its NAICS code is 52411 and its SIC code is 6324.