zavod zdravstvenog osiguranja zdk

What zavod zdravstvenog osiguranja zdk does

Zavod zdravstvenog osiguranja ZDK (ZZO ZDK) is the cantonal government health insurance institution for Zenica-Doboj Canton in the Federation of Bosnia and Herzegovina, operating under the Law on Health Insurance of the Federation of Bosnia and Herzegovina. It administers mandatory health insurance as the sole statutory insurer for cantonal residents, contracting with 2 hospitals, 12 health centers, 60 private healthcare institutions, and 3 specialised institutes to deliver services. The institute operates four physical branch offices (Zenica headquarters, Usora, Žepče, and Breza) and is led by Director Ahmed Kasap under a Supervisory Board structure.

The institute's core offering comprises a benefit package including an essential medicine list, orthopedic aids and endoprostheses, spa and climate treatment, foreign insurance coordination with ten countries, temporary work disability control, and a breast cancer screening program targeting women aged 50-69. Its digital ecosystem consists of the Web eRecept application (launched February 2026) for tracking prescribed and dispensed medications and the Pacijent Portal for insured-person self-service, both built on standard e-Health information systems without any described proprietary or differentiated technology layer.

Revenue is collected primarily through mandatory payroll-based health insurance contributions remitted by the Tax Administration, supplemented by a 20 KM annual premium (markica) per insured person that exempts holders from co-payment and by cantonal government transfers. The institute has flagged over 175 million KM in outstanding contribution arrears from three cantonal mines, with annual mine-sector contributions of approximately 18 million KM. Recent operational moves include expanded health book validation rights for veterans, mothers, and children, an 8-person hiring drive, and a new deficit health services model that routes patients to contracted facilities when hospital wait times exceed three months.

Name

zavod zdravstvenog osiguranja zdk

Legal name

Zavod zdravstvenog osiguranja Zeničko-dobojskog kantona

Website

https://zzozedo.ba

Company type

Private

Operating status

Operating

Short description

Zavod zdravstvenog osiguranja ZDK is a cantonal government health insurance institution administering mandatory health insurance and healthcare services for residents of Zenica-Doboj Canton, Bosnia and Herzegovina, operating 4 branch offices and contracting with 2 hospitals, 12 health centers, and 60 private institutions.

Ownership category

akta.pro rank

Product category

Public Health Insurance

NAICS

Health and Welfare Funds (525120), Other Insurance Funds (525190), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Behavioral Health Benefit Administration (MBHO Core) (HLAEAHAA)

akta.pro secondary industry

Maternal, Newborn & Child Health (MNCH) Programs (BPADAIAC)

Keywords

• Mandatory health insurance
• Public health insurance
• Health insurance administration
• Healthcare benefits management
• Cantonal insurance fund

Headquarters

HQ city

Zenica

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Mandatory Health Insurance Contributions: The primary revenue stream consists of mandatory health insurance contributions (doprinosi za zdravstveno osiguranje) collected from employers, self-employed individuals, pension recipients, and other obligated parties. Contributions are collected by the Tax Administration (Poreska uprava) and remitted to the health insurance fund. The institute also receives transfers from the cantonal government.
2. Annual Insurance Premium (Markica): Insured persons pay an annual insurance premium (markica/godišnja premija) of approximately 20 KM per insured person. Purchasing the markica exempts the insured person from co-payment (participation) for most healthcare services during the year.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

ZZO ZDK is the cantonal health insurance fund that administers mandatory health insurance for residents of Zenica-Doboj Canton. It collects statutory contributions and an annual premium markica, contracts public and private healthcare providers, and administers benefits including drug and orthopedic aids reimbursement, spa/climate treatment, temporary work disability payments, and cross-border insurance settlements. It also operates digital services such as the Web eRecept e-prescription platform and a patient portal to facilitate access to insured healthcare services.

Product overview

ZZO ZDK (Zavod zdravstvenog osiguranja Zeničko-dobojskog kantona) is a government health insurance institution providing compulsory health insurance services to citizens of Zenica-Doboj Canton. The institution operates a digital ecosystem consisting of the Web eRecept application for viewing prescribed/dispensed medications and the Pacijent Portal for accessing medical data. Core services include management of the Essential Medicine List, Orthopedic Aids List, deficit health services with contracted healthcare providers, temporary work disability control, foreign insurance services, and spa/climate treatment. The institution manages a network of 2 contracted hospitals, 12 contracted health centers, 60 private institutions, and 3 contracted institutes, serving insured persons across the canton's municipalities.

Differentiator

Problem solved

Functional benefit

Products and services

• Mandatory Health Insurance Coverage Statutory health insurance product for residents of Zenica-Doboj Canton, providing access to a contracted network of public and private healthcare providers, drug and orthopedic aids reimbursement, spa/climate treatment benefits, temporary work disability payments, and cross-border insurance settlements. Funded by mandatory contributions from employers and employees plus a fixed annual premium markica.
• Web eRecept Web-based electronic prescription application that allows healthcare providers to issue and process prescriptions electronically for insured members of ZZO ZDK, reducing paperwork and improving access to medicines under the reimbursement list.
• Lista lijekova (Reimbursed Medicines List) Public formulary of medicines covered by ZZO ZDK's mandatory health insurance, available to insured residents and prescribing physicians to determine drug reimbursement eligibility and pricing.
• Lista ortopedskih pomagala (Orthopedic Aids Catalog) Catalogue of orthopedic aids (orthoses, prostheses, and related devices) covered under ZZO ZDK's mandatory insurance, available to insured residents needing such devices based on medical indication.
• Banjsko-klimatsko liječenje (Spa and Climate Treatment Benefit) Insurance benefit covering medically indicated spa and climate-based rehabilitation treatment for insured members, provided through contracted facilities and approved based on medical indication.
• Foreign Health Insurance Settlement Cross-border insurance settlement service that processes coverage and reimbursement for insured ZZO ZDK members receiving medically necessary healthcare services abroad, in line with applicable international health insurance agreements.
• Temporary Work Disability Administration Administrative service that verifies temporary work disability cases for insured members, processes salary compensation during approved sick leave, and coordinates with employers on benefit payments.
• Annual Insurance Premium Markica Annual insurance premium sticker (markica) issued to insured residents of ZDK confirming active mandatory health insurance status for the year, available at ZZO ZDK branch offices at a fixed fee per insured person.

Quantifiable outcome

• Breast cancer screening program aims to cover more than 80% of women aged 50-69 in Zenica-Doboj Canton
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered minor and core.

• Caritas Bosnia and HerzegovinaminorStrategic or Co-development Partner · 14 July 2026ZZO ZDK collaborated with Caritas Bosnia and Herzegovina for the installation of an accessibility ramp at the Žepče branch office, improving accessibility for persons with disabilities and reduced mobility. The project was implemented under the PRISTUP project, co-financed by the Ministry of Labour, Pension System, Family and Social Policy of the Republic of Croatia.
• Razvojna agencija Žepče (Žepče Development Agency)minorStrategic or Co-development Partner · 14 July 2026The Žepče Development Agency provided professional support and cooperation in the successful implementation of the accessibility ramp project at the Žepče branch office of ZZO ZDK.
• Obrt GalBon (Žepče)minorOthers · 1 January 2026GalBon craft workshop was the contractor that designed and installed the high-quality stainless steel accessibility ramp at the Žepče branch office, in compliance with all applicable technical and safety standards.
• Institut za zdravlje i sigurnost hrane Zenica (Institute for Health and Food Safety, Zenica)coreStrategic or Co-development Partner · 1 January 2026The Institute, led by Dr. Selvedina Sarajlić-Spahić, serves as the implementing partner for the breast cancer screening program in Zenica-Doboj Canton. The Institute was the first in Bosnia and Herzegovina to begin implementation of a regular and continuous breast cancer screening program. ZZO ZDK co-finances the program with 450,000 KM for 2026.
• Ministarstvo zdravstva ZDK (Ministry of Health ZDK)coreStrategic or Co-development Partner · 1 January 2026The Ministry of Health of Zenica-Doboj Canton, led by Minister Aida Salčinović, provides mammographs with tomosynthesis through capital transfers and collaborates with ZZO ZDK to implement the breast cancer screening program.
• Kantonalna bolnica Zenica (Cantonal Hospital Zenica)coreStrategic or Co-development PartnerThe primary contracted hospital for ZZO ZDK, Kantonalna bolnica Zenica delivers secondary and tertiary healthcare services. ZZO ZDK collaborates with the hospital to manage deficit healthcare services (deficitarne zdravstvene usluge) and patient waiting lists.
• Domovi zdravlja (Health Centers) - 12 contractedcoreChannel Partner/ Reseller/ Distributor12 contracted health centers across Zenica-Doboj Canton provide primary healthcare services (family medicine, paediatrics, gynaecology) to insured persons under contract with ZZO ZDK.
• Privatne zdravstvene ustanove - 60 contractedcoreChannel Partner/ Reseller/ Distributor60 private healthcare institutions contracted by ZZO ZDK to provide specialist and diagnostic services to insured persons across the canton.
• Zavod za medicinu rada i sportsku medicinu ZDKcoreChannel Partner/ Reseller/ DistributorInstitute for Occupational Medicine and Sports Medicine ZDK - a contracted partner providing occupational health and sports medicine services.
• Zavod za bolesti i ovisnosti ZDKcoreChannel Partner/ Reseller/ DistributorInstitute for Addiction Diseases ZDK - a contracted partner providing addiction treatment services.

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• Institut za zdravlje i sigurnost hrane Zenica (INZ): Cantonal public health institute in Zenica implementing ZZO ZDK's breast cancer screening program and adjacent preventive-health programs. Operationally adjacent as both a contracted partner and a co-implementer of preventive health initiatives.

Others

• Kantonalna bolnica Zenica: Primary contracted public hospital for ZZO ZDK insured persons. Not a peer insurer but the core delivery partner — directly comparable at the provider-contracting and capacity-uplift level (e.g., the 3-month wait threshold that triggered the deficit-services model).

Broad incumbents

• Hrvatski zavod za zdravstveno osiguranje (HZZO): National statutory health insurance fund of Croatia. Operates the same mandatory-insurance model as ZZO ZDK but at country scale, with deeper digital services and broader cross-border coordination — a benchmark for what a scaled, modernized version of ZZO ZDK could look like.
• Republički fond za zdravstveno osiguranje (RFZO): Serbia's national health insurance fund. Operates the same contributory, statutory model as ZZO ZDK and is a regional reference for benefits design, e-recept rollout, and provider contracting at scale.
• Zavod za zdravstveno zavarovanje Slovenije (ZZZS): Slovenia's national statutory health insurance institute. Functionally analogous to ZZO ZDK with regard to mandatory insurance, e-services, and provider contracting, but at national scale and with a more mature digital platform such as zVem.

Direct peers

• Fond zdravstvenog osiguranja Republike Srpske: Republic-level health insurance fund for Republika Srpska, the BiH entity-wide counterpart to ZZO ZDK's Federation system. Comparable in mandate, contribution financing, and provider contracting, though structurally larger.
• Zavod zdravstvenog osiguranja Unsko-sanskog kantona: Federation of BiH cantonal health insurance fund serving Una-Sana Canton. Operates the same mandatory-insurance model and contracted-provider framework as ZZO ZDK, making it a directly comparable peer institute.
• Zavod zdravstvenog osiguranja Kantona Sarajevo: Statutory cantonal health insurance institute in Sarajevo Canton under the same Federation of BiH health insurance law. It administers mandatory health insurance, contracts providers, and operates branch offices — the closest operational analog to ZZO ZDK in a larger canton.
• Zavod zdravstvenog osiguranja Hercegovačko-neretvanskog kantona: Cantonal health insurance institute in Herzegovina-Neretva Canton with the same statutory mandate and operational model as ZZO ZDK, providing a direct regional peer for performance and digital-maturity benchmarking.
• Zavod zdravstvenog osiguranja Tuzlanskog kantona: Peer cantonal health insurance institute in Tuzla Canton operating under the same Federation mandate. Comparable in structure, provider contracting model, and member-facing services to ZZO ZDK.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about zavod zdravstvenog osiguranja zdk