Health Insurance Fund of Herzegovina-Neretva Canton - Bosnia and Herzegovina

What Health Insurance Fund of Herzegovina-Neretva Canton - Bosnia and Herzegovina does

The Health Insurance Fund of Herzegovina-Neretva Canton (Zavod zdravstvenog osiguranja Hercegovačko-neretvanske županije/kantona, abbreviated ZZO HNŽ/K) is a public health insurance institution established under Article 95 of the Health Insurance Law of the Federation of Bosnia and Herzegovina. Headquartered in Mostar with 10 regional offices covering nine municipalities (Čapljina, Čitluk, Jablanica, Konjic, Neum, Prozor-Rama, Ravno, Stolac), the Fund administers mandatory health insurance for all insured persons in the canton — employed persons, pensioners, and dependents — and offers voluntary coverage to non-mandatory individuals. It contracts healthcare services from a network of hospitals, health centers, and pharmacies, pays providers for services rendered, and coordinates international social security agreements for cross-border coverage.

The Fund's core technology stack is anchored by the eOsiguranik digital portal — a web and mobile platform providing insured persons with real-time access to insurance status, family member data, coverage duration, premium information, and electronic insurance card (e-Iskaznica) issuance, secured under ISO 27001:2015. Supporting digital services include the Orthopaedic Aids Search Portal, a sick leave compensation calculator (Kalkulator refundiranja bolovanja), an online mammography appointment booking application (rana-prevencija.zzo.ba) launched August 2026 for the breast cancer early detection program, and a DRG documentation system for provider billing. Operations are also certified to ISO 9001:2015 quality management standards.

The business model is statutory contribution-based: mandatory health insurance contributions from employers, employees, pensioners, and other insured categories are collected under legal regulation and used to pay contracted healthcare institutions for services delivered to insured persons. Pricing of contributions is not commercially set but is fixed by law. Go-to-market is direct-to-consumer via the regional office network and self-service digital channels, with service delivery intermediated through contracted hospitals (notably S.K.B. Mostar and K.B. Dr. Safet Mujić in Mostar, and J.U. Opća Bolnica Konjic) and nine municipal health centers. Customer segments include employed persons (primary), pensioners, dependent family members, voluntary insurance applicants, and foreign insurance holders under international agreements.

Name

Health Insurance Fund of Herzegovina-Neretva Canton - Bosnia and Herzegovina

Legal name

Zavod zdravstvenog osiguranja Hercegovačko-neretvanske županije/kantona

Website

https://zzo.ba

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

The Health Insurance Fund of Herzegovina-Neretva Canton (Zavod zdravstvenog osiguranja HNŽ/K) is a statutory public health insurance institution in Mostar, Bosnia and Herzegovina, administering mandatory health insurance for all insured persons across the canton's nine municipalities via regional offices, the eOsiguranik digital portal, and contracted hospitals and pharmacies.

Ownership category

akta.pro rank

Headquarters

HQ city

Mostar, Herzegovina - Neretva Canton

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mandatory Health Insurance Contributions: The fund collects mandatory health insurance contributions from employed persons, employers, pensioners, and other insured categories. Contributions are collected based on legal regulations and deposited into dedicated funds managed separately and used exclusively for intended purposes.
2. Voluntary Health Insurance: Individuals who are not covered by mandatory insurance can obtain health insurance using personal funds through voluntary insurance arrangements.
3. Healthcare Service Contracting: The fund contracts healthcare services from healthcare institutions and private healthcare providers, paying for services rendered to insured persons from collected insurance contributions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

The Health Insurance Fund of Herzegovina-Neretva Canton is a statutory public health insurance institution that collects mandatory health insurance contributions, contracts healthcare services with providers, and ensures insured persons in the Herzegovina-Neretva Canton receive coverage for medical treatment, hospitalization, prescriptions, sick-leave compensation, and subsidized orthopedic aids. It complements this insurance administration with a digital self-service ecosystem — the eOsiguranik portal, electronic insurance card (e-Iskaznica), online mammography booking, and a sick-leave refunding calculator.

Product overview

The Health Insurance Fund of Herzegovina-Neretva Canton operates as a government health insurance institution providing mandatory health insurance services through a portfolio of digital platforms and services. The primary digital offering is the eOsiguranik Portal, a comprehensive web and mobile platform enabling insured persons to access insurance status, family member information, coverage duration, premium details, and electronic insurance certificates. Supporting this core platform, the organization offers specialized digital services including an orthopaedic aids search portal for browsing subsidized medical devices, a sick leave compensation calculator for benefit calculations, an online mammography appointment booking system for the breast cancer early detection program, an electronic insurance card (e-Iskaznica) system, DRG documentation services, an ethics reporting line, newsletter subscriptions, and a customer feedback portal. The organization also provides a mammography prevention application at rana-prevencija.zzo.ba launched in August 2026, extending digital access to preventive healthcare services.

Differentiator

Problem solved

Functional benefit

Products and services

• Mandatory Health Insurance Coverage

Quantifiable outcome

• Increased participation amounts for blood sugar sensors (from 240 KM to 270 KM for under 26; from 200 KM to 230 KM for over 26) to address market price increases
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core.

• S.K.B. Mostar (University Clinical Hospital Mostar)coreOthersMain contracted university clinical hospital providing comprehensive medical services to insured persons of HNŽ/K. Located at Kralja Tvrtka bb, Mostar. The fund contracts hospital services and pays for healthcare provided to insured persons.
• J.U. K.B. Dr. Safet Mujić MostarcoreOthersContracted clinical hospital providing healthcare services to insured persons. Located at Maršala Tita 294, Mostar.
• Dom Zdravlja MostarcoreOthersPrimary healthcare center (health center) contracted by the fund to provide first-line healthcare services to insured persons. Located at Hrvatskih branitelja bb, Mostar.
• J.U. Opća Bolnica KonjiccoreOthersGeneral hospital serving the Konjic area and surrounding region. Contracted by the fund for hospital services.
• Dom Zdravlja ČapljinacoreOthersHealth center providing primary healthcare services to insured persons in Čapljina municipality.
• Dom Zdravlja ČitlukcoreOthersHealth center providing primary healthcare services to insured persons in Čitluk municipality.
• Dom Zdravlja JablanicacoreOthersHealth center providing primary healthcare services to insured persons in Jablanica municipality.
• Dom Zdravlja Rama (Prozor-Rama)coreOthersHealth center providing primary healthcare services to insured persons in Prozor-Rama municipality.
• Dom Zdravlja StolaccoreOthersHealth center providing primary healthcare services to insured persons in Stolac municipality.
• Dom Zdravlja NeumcoreOthersHealth center providing primary healthcare services to insured persons in Neum municipality.
• Dom Zdravlja RavnocoreOthersHealth center providing primary healthcare services to insured persons in Ravno municipality.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allianz Care: International health insurance carrier. Comparable in health insurance underwriting and managed care operations, but as a private commercial insurer rather than a statutory fund.
• National Health Service (NHS) UK: UK's publicly funded health system. Differs in being a provider-payer system rather than a pure insurance fund, but broadly comparable as a government-mandated public health insurance and care delivery institution.

Regional players

• Hrvatski zavod za zdravstveno osiguranje (HZZO): Croatian statutory health insurance fund with a near-identical mandate (mandatory health insurance, contracted providers, e-portal). Highly comparable in operating model, though serving a different national market.

Others

• MedNet (Munich Re): Health insurance claims administration and managed care services provider. Comparable as an administrative/operational enabler for health insurance funds, though not a direct primary insurer.

Direct peers

• Fond zdravstvenog osiguranja Republike Srpske: The statutory health insurance fund of Republika Srpska, the other BiH entity. Operates the same mandatory health insurance model across a distinct territory, making it the closest functional counterpart.
• Zavod zdravstvenog osiguranja Kanton Sarajevo: Sarajevo Canton's health insurance fund, the largest cantonal fund in FBiH by population. Comparable in operating model and digital services maturity, with a larger scale that provides useful benchmarking.
• Republički fond za zdravstveno osiguranje Srbije: Serbian national health insurance fund, providing mandatory health insurance and contracting with healthcare providers. Directly comparable as a regional peer operating a similar statutory health insurance model.
• Zavod zdravstvenog osiguranja Tuzlanskog kantona: Tuzla Canton's health insurance fund, another FBiH cantonal fund. Operates the same statutory framework, contracted provider network model, and insured-person services including digital portals.
• Zavod zdravstvenog osiguranja i reosiguranja Federacije BiH: The federal-level health insurance and reinsurance fund of the Federation of BiH. Directly comparable as the umbrella public health insurance body of which the Herzegovina-Neretva canton fund is a constituent.
• Zavod za zdravstveno osiguranje ZDK: Zenica-Doboj Canton's health insurance fund. A peer cantonal health insurance fund within FBiH with the same legal framework (Article 95) and operational model, making it a direct comparable for the HNŽ/K fund.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/zzo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Health Insurance Fund of Herzegovina-Neretva Canton - Bosnia and Herzegovina