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Slovak health insurance FAQ: the big questions for foreigners and expats about health care coverage

otazky o Union zdravotnej poistovni
If you want to work or live in Slovakia, you will need health insurance. How does it work and which sort do you need?
otazky o Union zdravotnej poistovni
Slovakia is a beautiful country full of opportunities. Thousands of foreigners from all over the world work for Slovak companies across various sectors of the economy.

Learn more in this short article to get an overview of health care system in the Slovak Republic.

How does health insurance work in Slovakia?

Most Slovaks and foreigners employed in Slovakia are enrolled in public health insurance plans. If you are not in such a plan, you need to have commercial health insurance.

You can be enrolled for public health insurance if you are:

Who needs commercial health insurance?

You need commercial health insurance if you cannot be insured in a public health insurance program:

What is included in a commercial health insurance plan?

Urgent health care

Health care in case of an accident or sudden illness, averting imminent threats to health and/or life, treating sudden acute pain, stopping bleeding.

Comprehensive health care

Comprehensive treatment of injuries and diseases, prevention, monitoring of health condition, vaccination of children, pregnancy and postnatal care; treatment of diseases that originated prior to coming to Slovakia if the client was admitted to insurance with them and informed the insurance company about them in advance.

Commercial health insurance also covers urgent health care in 25 European Schengen Area states. The 25 Schengen countries are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland.

Do you need urgent healthcare or complete health care?

The type of health insurance you need depends on the nature of your stay to Slovakia.

Urgent health care is suitable for:

Complete healthcare is suitable for:

If you need urgent or complete healthcare and you are not enrolled in a public health insurance plan,
you can insure yourself online here.

What can you expect from the public health care system?

The public health care system provides comprehensive health care. All employees with permanent residence in Slovakia pay health insurance contributions. Such contributions are mandatory and are paid to the health insurance company of your choice. There are 3 health insurance companies in Slovakia – one publicly owned and two privately owned insurers. Union poisťovňa is one of the private insurance companies, which provides urgent and comprehensive healthcare accompanied by an interesting range of benefits.


If you can enroll in a public health insurance plan and want to be a part of the Union family, call us for more information.

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Zľava 5% pre klientov Union poisťovne a poistencov Union zdravotnej poisťovne.

Lucia Papanova

Lucia Papanova

Tento text sa doťahuje z profilu: - vo wordpresse mouse over na svoje meno vpravo hore, - click "upraviť profil - scroll do sekcie "životopis" - vyplniť

Lucia Papanova

Tento text sa doťahuje z profilu: - vo wordpresse mouse over na svoje meno vpravo hore, - click "upraviť profil - scroll do sekcie "životopis" - vyplniť
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