PZU Zdrowie

What PZU Zdrowie does

PZU Zdrowie is a Warsaw-headquartered private healthcare operator and a subsidiary of PZU Group, one of Poland's largest insurance and financial conglomerates. The company runs a hybrid B2B and B2C model, serving corporate clients through occupational medicine (medycyna pracy) contracts and recurring medical subscriptions (abonamenty medyczne), and individual consumers through annual packages, pay-per-visit access, and direct purchases via the mojePZU web portal and mobile app. Service delivery is supported by a 24/7 medical hotline (Centrum Telemedyczne) and a 24/7 telemedicine center for teleconsultations across multiple specialties. Recent additions include participation in the national 'Moje Zdrowie' adult preventive health program and a specialized obesity diagnosis-and-treatment package.

The company operates approximately 130 owned medical centers and diagnostic facilities and partners with over 4,000 healthcare facilities across nearly 700 Polish cities, making it one of the largest nationwide private medical networks in the country. Its physical footprint spans major metropolitan areas (Warsaw, Kraków, Poznań, Wrocław, Gdańsk, Łódź, Katowice, Bydgoszcz) as well as smaller regional cities, and includes dedicated children's, women's, dental, vaccination, occupational medicine, and primary care (POZ) services. Recent expansion activity includes new multispecialty centers in Bydgoszcz and Piaseczno, dental service additions in Poznań, and the full integration of Warsaw-based Babka Medica into the PZU Zdrowie network.

The business model is anchored on recurring revenue from annual medical subscriptions priced in tiers for individuals, families, seniors, students, and pregnant women, and on customized enterprise contracts billed annually; one-time services (diagnostics, vaccinations, standalone dental, and pay-per-visit consultations) provide secondary revenue streams. Pricing is not publicly disclosed; corporate packages are tailored to company size and needs, and individual packages offer discounts for annual commitments. Distribution combines direct corporate sales, owned retail medical centers, a self-serve digital channel (mojePZU portal/app), inside sales via phone infoline, and a partner-network referral layer for geographic extension. The company employs roughly 806 people, though its broader ecosystem — including partner facilities and contracted physicians — is materially larger.

Name

PZU Zdrowie

Legal name

PZU Zdrowie

Website

https://zdrowie.pzu.pl

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

PZU Zdrowie is a Warsaw-based private healthcare operator and subsidiary of PZU Group, serving Polish corporate and individual customers through ~130 owned medical centers, 4,000+ partner facilities across nearly 700 cities, recurring medical subscriptions, occupational medicine, telemedicine, and dental services via the mojePZU portal.

Ownership category

akta.pro rank

Product category

Private Healthcare Services

NAICS

HMO Medical Centers (621491), Offices of Physicians (62111), Offices of Physicians (except Mental Health Specialists) (621111)

SIC

Services-Health Services (8000), Services-Offices & Clinics Of Doctors Of Medicine (8011), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Network-Model HMOs (HLAEAMAC)

akta.pro secondary industries

Primary Care & General Medicine Virtual Care (HLALAAAA), Group Pharmacy Benefit (Rx) Coverage & PBM-Integrated Plans (FSAIAFAN)

Keywords

• Private healthcare services
• Medical subscription packages
• Occupational medicine
• Telemedicine consultations
• Preventive health packages

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices17 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Medical Subscriptions (Abonamenty medyczne): Corporate and individual customers pay recurring subscription fees for comprehensive medical care packages covering preventive examinations, diagnostics, specialist consultations, rehabilitation, and dental treatment.
2. Healthcare Insurance: Health insurance products provided in the form of insurance and medical subscriptions for companies and individual clients.
3. Occupational Medicine Services (Medycyna pracy): Workplace health services including medical examinations for all professional groups, including those exposed to non-standard risks.
4. Pay-per-visit Services: Medical center services available to patients without subscription packages, allowing one-time visits for consultations, diagnostics, and treatments.
5. Diagnostic Services: Laboratory tests, imaging diagnostics, and endoscopic examinations offered as standalone services or within packages.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

PZU Zdrowie operates a nationwide network of approximately 130 owned medical centers and over 4,000 partner facilities in nearly 700 Polish cities, delivering private healthcare services including specialist consultations, diagnostics, dental care, vaccinations, occupational medicine, and telemedicine. The company packages these services into annual medical subscriptions for individuals and corporate clients, and sells individual visits and procedures directly through the mojePZU digital portal, mobile app, and a phone-based infoline. It also provides health insurance-related products integrated within the PZU Group's insurance ecosystem.

Product overview

PZU Zdrowie is a private healthcare operator offering a comprehensive portfolio of medical services through approximately 130 own medical centers and over 4,000 partner facilities in nearly 700 cities across Poland. The core offering is built around the mojePZU patient portal and mobile application, which serves as the unified digital gateway for managing appointments, accessing medical records, and redeeming e-prescriptions. Service portfolio includes: medical visits (stationary and telemedicine), annual medical packages for individuals and families, preventive health packages, diagnostic services (laboratory and imaging), dental services, vaccinations, and occupational medicine. The company provides healthcare through insurance and medical subscriptions for businesses, as well as direct patient access to medical centers without requiring a package.

Differentiator

Problem solved

Functional benefit

Products and services

• Wizyty lekarskie (Doctor Visits) Stationary or telemedicine consultations with medical specialists across various fields for individual and corporate patients.
• Pakiety medyczne (Medical Packages) Annual subscription packages covering preventive care, diagnostics, specialist consultations, rehabilitation, dental treatment, and acute health support. Available in variants for individuals, individuals plus child, individuals plus partner, families, seniors, students, and pregnant women.
• Pakiety profilaktyczne (Preventive Packages) Preventive health packages including pregnancy care, dentistry, health check-ups, specialist consultations, child care, and diet and exercise programs.
• Badania (Diagnostic Services) Medical diagnostic services including laboratory tests, imaging diagnostics, and endoscopic examinations, available as standalone services or within packages.
• Stomatologia (Dental Services) Dental services including general dentistry, orthodontics, implants, endodontics, periodontics, and pediatric dentistry.
• Szczepienia (Vaccinations) Vaccination services for children, adolescents, adults, and travel medicine.
• Medycyna pracy (Occupational Medicine) Occupational medicine services including examinations for all professional groups, including those exposed to non-standard workplace risks, delivered to corporate clients.
• Abonamenty medyczne (Corporate Medical Subscriptions) Comprehensive medical care subscriptions for businesses covering planned preventive examinations, diagnostics, specialist consultations, rehabilitation, dental treatment, and acute health support for employees.
• POZ (Podstawowa Opieka Zdrowotna - Primary Healthcare) Basic primary healthcare services available at many PZU Zdrowie facilities across Poland.
• Teleporady (Telemedicine Consultations) Telemedicine consultations providing quick access to doctors across multiple specialties via remote communication.
• Diagnostyka i Leczenie Choroby Otyłościowej (Obesity Diagnosis and Treatment) Medical package for diagnosis and treatment of obesity disease, offering 5% discount on the medical package.
• Program Moje Zdrowie (NFZ Health Balance Program) Health Ministry program 'Moje Zdrowie' (My Health) health balance program for adults, available at selected PZU Zdrowie facilities.

Quantifiable outcome

• Comprehensive healthcare available in nearly 700 cities across Poland

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Babka MedicaminorStrategic or Co-development Partner · 3 July 2025Babka Medica transitioned from partnership to integration as part of PZU Zdrowie. The facility became part of PZU Zdrowie's network, expanding service capabilities in the Warsaw area.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Polmed: Polish private healthcare operator offering medical subscriptions, diagnostic services, and outpatient specialist care to corporate and individual clients across multiple Polish cities.
• Medicover: Major Polish-Swedish private healthcare and diagnostics operator with comparable subscription packages, employer contracts, telemedicine, and a parallel network of clinics and partner facilities across Poland.
• Swissmed Centrum Zdrowia: Polish private healthcare provider offering multi-specialty outpatient services, telemedicine, and corporate occupational medicine packages. Comparable in scope and customer targeting.
• Enel-Med: Polish private medical center chain offering multi-specialty outpatient care, occupational medicine, and corporate subscription packages. Closely comparable in size, target segments, and product mix.
• LUX MED: Largest private healthcare operator in Poland, offering a comparable nationwide network of own and partner clinics, corporate subscriptions, telemedicine, and multi-specialty services. Direct competitor across nearly every product line PZU Zdrowie offers.
• Centrum Medicover: Outpatient arm of Medicover in Poland, providing direct multi-specialty primary and specialist care, telemedicine, and employer health subscriptions — the closest product-level competitor to PZU Zdrowie's POZ and ambulatory services.
• Centrum Medyczne Damiana: Warsaw-based private multi-specialty medical center providing comparable outpatient services, diagnostics, and corporate health packages to a similar B2B/B2C customer base.

Broad incumbents

• PZU Group (parent): Parent conglomerate and largest insurer in CEE; comparable as the broader insurance and financial services incumbent that bundles insurance with healthcare delivery, providing strategic and distribution context for the standalone healthcare subsidiary.
• Allianz Polska: Major Polish insurer offering group health insurance products to corporate clients; competes with PZU Group's bundled insurance-healthcare offerings and is relevant as a competitor for the same corporate wallet.

Emerging players

• Telemedico: Polish telemedicine and digital health platform focusing on remote consultations and digital clinic offerings. Comparable as a growing player in the virtual care layer that PZU Zdrowie also operates through Centrum Telemedyczne and mojePZU.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/pzuzdrowie
• Facebookfacebook.com/pzuzdrowie
• LinkedInlinkedin.com/company/pzuzdrowie
• Instagraminstagram.com/pzu_zdrowie

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 PZU Zdrowie