Glossary
ZZZS (Health Insurance Institute of Slovenia)
This text was generated by AI and has not been reviewed by an editor. Every figure shows its law and source. Confirm the conditions for your case at a consultation before deciding.
In short
ZZZS (Zavod za zdravstveno zavarovanje Slovenije) is the public institute that runs compulsory health insurance in Slovenia. Every insured person gets a health insurance card (kartica zdravstvenega zavarovanja): it is issued automatically on your first registration for insurance, with no application, and posted to your registered address in Slovenia.
Key figures
- First health insurance card
- issued automatically on your first registration for insurance, with no application, and posted to your registered address in Sloveniawithout a permanent or temporary address in Slovenia the card is not issued automatically: you give ZZZS a mailing address; an employee can state it in a declaration the employer attaches to form M-1as of 10 October 2026 · source
- Replacement card
- ordered online; paid at the ZZZS price list if lost or damaged, free after a name change, a chip failure or once the card is 10 years old or more; it arrives within 14 daysas of 10 October 2026 · source
- Who files the insurance registration
- the employer for an employee, ZRSZ for a person on unemployment benefit, an s.p. for themselves, the insured person for their family membersLegal basis: ZZVZZ, 48. in 49. člen · as of 10 October 2026 · source
- Registering an employee for insurance
- the employer files form M-1 through SPOT on the day work starts, and no later than before work beginsLegal basis: ZMEPIZ-1, 45. člen · as of 10 October 2026 · source
- Compulsory health insurance coverage
- 100% of the insured services (since 1 January 2024)voluntary supplementary insurance (dopolnilno zavarovanje), which used to cover co-payments, was abolished on 31 December 2023 and replaced by the OZP. The insurer is ZZZS (Zavod za zdravstveno zavarovanje Slovenije)as of 10 October 2026 · source
- Mandatory health contribution (OZP)
- €39.36 a month (March 2026 to February 2027)a flat amount, adjusted every 1 March in line with average gross wage growth; for employees the main employer withholds it from pay; children and pupils do not pay. Introduced on 1 January 2024 in place of voluntary supplementary insuranceas of 10 October 2026 · source
How you become insured
Insurance arises by law once the conditions are met, but ZZZS learns about it from a registration.
- Who files the registration: the employer for an employee, ZRSZ for a person on unemployment benefit, an s.p. for themselves, the insured person for their family members.
- Employees: the employer files form M-1 through SPOT on the day work starts, and no later than before work begins.
- Coverage: 100% of the insured services (since 1 January 2024).
The health insurance card
You show the card whenever you use health care. It is an official document that tells the doctor your insurance is valid and who your personal doctor is.
- First card: issued automatically on your first registration for insurance, with no application, and posted to your registered address in Slovenia.
- Without an address in Slovenia the card is not issued automatically: ZZZS needs a mailing address. An employee can state it in a declaration the employer attaches to form M-1.
- Replacement card: ordered online; paid at the ZZZS price list if lost or damaged, free after a name change, a chip failure or once the card is 10 years old or more; it arrives within 14 days.
The OZP contribution
On top of the contributions from salary, most insured people pay the flat mandatory health contribution (OZP): €39.36 a month (March 2026 to February 2027).
Frequently asked questions
Do I need to apply for my first ZZZS card?
No. ZZZS issues it on your first registration for insurance and posts it to your address in Slovenia.
What if I lose my card?
Order a new one on zavarovanec.zzzs.si. A replacement card is ordered online; paid at the ZZZS price list if lost or damaged, free after a name change, a chip failure or once the card is 10 years old or more; it arrives within 14 days.
Does ZZZS insurance cover treatment in full?
Yes, within the set of services that compulsory insurance covers: 100% of the insured services (since 1 January 2024).
Related terms
Sources
This text was generated by AI and has not been reviewed by an editor.
Updated: 10 October 2026
General information, not individual legal advice. Rules and amounts change: confirm the exact conditions for your case at a consultation.