Glossary
Compulsory health insurance (obvezno zdravstveno zavarovanje)
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
Obvezno zdravstveno zavarovanje is Slovenia's compulsory health insurance, run by ZZZS. Employees, sole traders (s.p.), pensioners and other groups are insured by law, and their spouses and children can be insured as family members.
Key figures
- 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
- Registering an s.p. for insurance
- within 8 days of the insurance obligation startingthe same applies to company partners who manage the companyas 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
- Family members on your insurance
- a spouse or partner and children (up to 15 or 18, and while in education until the end of the school year in which they turn 26), if not insured in their own right and with a permanent address in Slovenia or a temporary one valid for at least 3 more monthsparents, grandchildren and other wider family can be insured only with a permanent address in Slovenia and under extra conditionsLegal basis: ZZVZZ, 20.-22. člen · as of 10 October 2026 · source
- Insuring yourself
- possible with a permanent address (stalno prebivališče) in Slovenia and no other basis for insurance: you file form M-1 yourself and pay the contribution yourselfLegal basis: ZZVZZ, 15. 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
Through work or a business
- Employees: the employer files form M-1 through SPOT on the day work starts, and no later than before work begins.
- s.p.: registers themselves within 8 days of the insurance obligation starting.
- 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.
Family members
Who can be insured: a spouse or partner and children (up to 15 or 18, and while in education until the end of the school year in which they turn 26), if not insured in their own right and with a permanent address in Slovenia or a temporary one valid for at least 3 more months.
The insured person files the registration for family members. For a spouse living abroad, you must show they are not insured there.
Insuring yourself and coverage
- With no other basis: possible with a permanent address (stalno prebivališče) in Slovenia and no other basis for insurance: you file form M-1 yourself and pay the contribution yourself.
- Coverage: 100% of the insured services (since 1 January 2024).
- On top of that, most insured people pay the flat OZP contribution: €39.36 a month (March 2026 to February 2027).
Frequently asked questions
Am I insured if I am employed in Slovenia?
Yes, insurance arises by law and your employer registers you: the employer files form M-1 through SPOT on the day work starts, and no later than before work begins.
Can I insure my spouse and children through me?
Yes, if the conditions are met: a spouse or partner and children (up to 15 or 18, and while in education until the end of the school year in which they turn 26), if not insured in their own right and with a permanent address in Slovenia or a temporary one valid for at least 3 more months.
Can I insure myself without a job?
It is possible under certain conditions: possible with a permanent address (stalno prebivališče) in Slovenia and no other basis for insurance: you file form M-1 yourself and pay the contribution yourself.
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.