Health insurance

Slovenia has a public healthcare system which offers a variety of medical services. The type of health insurance you have may completely or partially cover the payment of medical services such as emergency medical care, general medical examinations, prescription medication and specialist services. If you need medical help you should usually see a general practitioner at a health centre.

If you have health insurance in… What do you have to do? What do you get?
EU, Iceland, Liechtenstein, Norway, Switzerland, United Kingdom Have a valid European Health Insurance Card (EHIC), or a certificate that serves as a substitute for it. You get the card/certificate in your home country. Some services are free; for others there is usually a copayment of €3–10 per visit.¹ ²
Australia Have a valid Medicare card and show your passport. Some services are free; for others there is usually a copayment of €3–10 per visit.¹ ²
Bosnia and Herzegovina, Montenegro, North Macedonia, Serbia 1. Get the BIH/SI 3 or MNE/SI 03 or SRB/SI 03 or RM/SI 3 form in your home country, from the institution that provides your health insurance.

2. Submit the form to the Health Insurance Institute of Slovenia (ZZZS, Mala ulica 3, Ljubljana), which will issue your MedZZ certificate. Your insurance is not valid without this certificate.

 Some services are free; for others there is usually a copayment of €3–10 per visit.¹ ²
Other countries Buy health insurance from a private insurance company in your home country or in Slovenia. Depending on the type of insurance, you usually pay €20–50 per visit² and then ask for a refund from your insurance company.
Students without health insurance You pay for healthcare services yourself (usually €20–50 per visit).²

You can also get Slovenian national health insurance:

If you get basic health insurance (obvezno zdravstveno zavarovanje), some services are free and for others there is usually a copayment of €3–10 per visit:¹ ²

  1. Register at the Health Insurance Institute of Slovenia (ZZZS, Mala ulica 3, Ljubljana). You will need an identity document and your certificate of enrolment.
  2. You will then pay €142.82 per month OR you can submit a formal statement that someone else will be covering the cost.

If you also get additional health insurance (dopolnilno zdravstveno zavarovanje) (approximately €35 more per month; available at Vzajemna, Generali or Triglav), all public health services are free.

¹ Services are free if there is a negative change in your health (determined by the doctor).
² Prices based on ZDŠ averages. You can pay by card or in cash.

Remember: even if you have valid health insurance, you will still need to pay in the following cases:

  • If you don’t have your health insurance card or certificate with you
  • If you go to the emergency department for any non-emergency medical services (if you do not need immediate medical help)
  • If you get a prescription for a medication that is not covered by your insurance (some medications are only available with a copayment; discuss your options with your doctor)

For more information about the different medical services available in Slovenia you can check this brochure issued by the Health Insurance Institute of Slovenia.