Compare Health Insurance in Slovenia

Live offers

20 live offers compared from 4 providers, from €0. Updated daily.

What is health insurance in Slovenia?

Health cover in Slovenia has two layers. Compulsory public health insurance is provided through the Health Insurance Institute of Slovenia (Zavod za zdravstveno zavarovanje Slovenije, ZZZS) and funds most treatment. On top, residents traditionally bought complementary insurance (dopolnilno zavarovanje) to cover the portion the public system did not fully pay. Following reform, a mandatory health contribution replaced complementary cover for many, but private insurers still offer supplementary and additional health policies (dodatno zavarovanje) that speed up access to specialists, dental care and private treatment.

How the Slovenian market works

The public ZZZS system is universal for residents who contribute, while private health insurers are supervised by the Insurance Supervision Agency (AZN). Historically, dopolnilno cover from a handful of insurers topped up the co-payment share of public care. Reforms have shifted this toward a compulsory contribution, so today's private market centres on supplementary policies that provide faster specialist appointments, second opinions, private clinics and enhanced dental and preventive care. These are voluntary and priced by age and cover level.

Benefits

Faster access — supplementary cover can shorten waiting times for specialists and diagnostics.

Wider choice — reach private clinics and preferred doctors beyond public capacity.

Dental and preventive care — many policies add dental, physiotherapy and health check-ups.

Predictable costs — voluntary cover caps out-of-pocket spending on private treatment.

How to choose

Confirm your public ZZZS status first, then decide what supplementary cover adds value — typically faster specialist access, dental or private hospital care. Compare annual limits, waiting periods before benefits apply, network clinics and whether pre-existing conditions are excluded. Check how premiums rise with age and whether the policy renews guaranteed. For families, look at child cover and preventive benefits.

Leading providers in Slovenia

Vzajemna is the traditional specialist in Slovenian health insurance and historically the largest complementary insurer. Zavarovalnica Triglav offers health packages alongside its broad insurance range, while Generali Slovenia and Allianz Slovenia provide supplementary health and specialist-access products. Because benefits, networks and waiting periods differ, comparing at least Vzajemna and one general insurer helps match cover to your needs.

What it costs

Voluntary supplementary health premiums vary widely with age and cover, commonly ranging from around €15 to €50+ per month for individual policies, with richer packages costing more. The compulsory public health contribution is set separately under national rules. Younger applicants pay less, and adding dental or private-clinic access raises the premium. Always compare the annual benefit limits against the monthly cost.

Protections and regulation

Private health insurers are authorised and supervised by AZN for solvency and fair conduct, while the public system is governed by ZZZS and national health legislation. Policy terms, waiting periods and exclusions must be disclosed clearly, and complaints can be escalated through the insurer and to AZN or mediation bodies. The public system guarantees a baseline of care regardless of private cover.

Common questions

Is public health cover enough? It covers most treatment, but supplementary insurance speeds access and adds private and dental options.

Who regulates health insurers? Private insurers are supervised by AZN; the public system by ZZZS.

Do premiums rise with age? Voluntary health premiums typically increase with the insured person's age.

Health Insurance in Slovenia — FAQ