Slovakia Health Insurance for Expats

International Health Insurance for Expats in Slovakia

When relocating to Slovakia, expats may want to explore private health insurance options to supplement the country's public healthcare system. While Slovakia offers accessible healthcare services, having private health insurance can provide expats with additional benefits.

In this guide, we will cover the healthcare system of Slovakia as well as the public and private health insurance options available for expats who are planning to relocate or are already living in the country.

Recommended International Health Insurance Plans for Expatriates Living in Slovakia

Healthcare System in Slovakia

Slovakia's healthcare system, managed by the Ministry of Health, is free for all citizens and residents due to the country’s mandatory health insurance which is largely paid for through taxation. The cost of the national health insurance is shared between employees and their employers. 

Public hospitals in Slovakia tend to be underfunded and understaffed, and private healthcare facilities are typically exceedingly expensive; posing a major burden for patients who pay for their treatments out-of-pocket.

Public Hospitals Slovakia

Public hospitals in Slovakia play a crucial part in the country’s healthcare system. They are financed from the state budget through compulsory health insurance contributions and offer a wide range of health services to the general public.

Slovakia’s Public Hospitals include:

• University Hospital Bratislava - Ruzinov
• University Hospital Martin
• University Hospital Banska Bystrica

Private Hospital in Slovakia

Private hospitals in Slovakia are generally recommended for expats and travelers due to the lack of funding and staff shortages seen in the public sector. 

Private hospitals in Slovakia include:

• Medissimo Hospital in Bratislava (Penta Hospitals International)
• Medissimo Hospital  in Kosice (Penta Hospitals International)
• Kardiocentrum in Nitra

Health Insurance Options in Slovakia for Expats

In Slovakia, the national mandatory health insurance includes expats. Although that gives expats access to public healthcare facilities, it is highly recommended that expats also secure private health insurance for access to private healthcare facilities.

Due to limited funding and staff shortages in the public sector, public hospitals face challenges such as long wait times, and poorer quality of service when compared to the private sector. As such, it is crucial for expats to have a private plan.

Public Insurance in Slovakia for Expats

Expats in Slovakia have three insurance companies to choose from when it comes to public health insurance, Dovera, Union, and VšZP. These companies also control the taxation for the national health insurance tax contributions.

In Slovakia, the government provides health insurance coverage for certain special groups, including children and pensioners, through the public health insurance system.

Private Insurance in Slovakia for Expats

There are multiple options when it comes to private health insurance for expats in Seychelles. In addition to local insurance providers like Dovera, Union, and VšZP, expats can also choose international health insurance plans from global providers like Allianz and Cigna.

Best Private Insurance Providers for Expats in Slovakia 

The best private insurance providers in Slovakia for expats include Allianz Care, AXA International, Cigna Global, and VUMI. These providers offer expats in the country some of the most comprehensive coverage and flexible insurance options.

Allianz Care

Allianz Care offers international health insurance plans to expats in Slovakia that provide comprehensive coverage during their stay. Their plans cover inpatient and outpatient treatments, dental care, and medical evacuations.

AXA International

AXA International has been a global leader in insurance and asset management since 1816. Their international health insurance plans offer expats comprehensive health coverage ensuring expats in Slovakia have their necessary medical care wherever they go.

Cigna Global

Cigna Global is a prominent health insurance company known for its global presence and its extensive range of health insurance products and services. Expats in Slovakia can access their trusted network of hospitals and doctors when choosing a plan from Cigna.

VUMI

For expats in Slovakia, VUMI (VIP Universal Medical Insurance Group) offers a variety of health insurance plans for expats' needs. Known for offering expats comprehensive international health insurance plans with great flexibility, expats can customize their VUMI plan to suit their unique needs.

Facts to Consider When Picking Insurance in Slovakia

There are a few things you should consider when picking insurance in Slovakia, the first thing you need to do is consider your needs and requirements. Once you have determined what you need to be covered, you will be able to look for a plan that suits your needs and requirements the most.

We will discuss important factors to consider when picking health insurance in Slovakia below:

Premiums and Payment Options

Choosing a plan with flexible payment options such as deductibles and copayments will allow you to adjust your plan to have the most coverage whilst still staying within budget. Premiums are an important factor you need to consider when picking the right insurance plan in Slovakia.

Plan Customizations

Customizability is another key factor to consider when picking insurance in Slovakia, and the ability to add or drop benefits from a plan will allow you to customize your benefits and create a plan that covers you the way you need it to.

Exclusions

The benefits and coverage of a plan are important, however, it is also equally important that you look at a plan’s exclusions when picking an insurance plan that’s right for you in Slovakia. Those with chronic conditions and pre-existing conditions should pay particular attention to this factor.

Health and Safety Tips for Travelers in Slovakia

While Slovakia is considered one of the safest countries in Europe to visit, travelers are recommended to take basic safety precautions such as packing necessary medications and prescriptions as well as memorizing the emergency service contact number, 112.

Travelers should also stay aware of their surroundings especially during the night or when in remote regions. When visiting crowded tourist areas, be sure to keep an eye on your personal belongings to prevent pickpocketing.

When it comes to vaccinations before traveling to Slovakia, it is important to make sure that you are up-to-date with routine vaccines including chickenpox, flu, COVID-19, tetanus, and polio to ensure that you are well protected during your stay.

For expats and travelers who are concerned about communicable (infectious) diseases in Slovakia, the recommended vaccinations according to the CDC include measles, Hepatitis, and Rabies. It is crucial you consult your doctor to determine the best vaccinations for you.

List of recommended vaccinations for Slovakia:

• Measle
• Hepatitis A
• Hepatitis B
• Rabies

It is also crucial that travelers to Slovakia secure travel insurance before traveling to Slovakia to ensure that unexpected medical expenses are covered during their stay. Be sure to check if the policy also covers activities you plan to engage in, such as skiing or hiking.

Frequently Asked Questions

Is healthcare free in Slovakia for expats?

Expats in Slovakia are required to contribute to the mandatory national health insurance through taxation. This provides them with access to public facilities but expats are recommended to seek medical care in private facilities for shorter waiting times and better services catered to foreigners.

Is Slovakia safe for foreigners?

Slovakia is among one of the safest countries to travel through in Europe but foreigners are still advised to exercise basic safety precautions such as avoiding quiet areas at night and keeping a close eye on personal belongings in crowded and tourist areas.

What languages are used in Slovakia?

The official language in Slovakia is Slovak, as an EU country, English is widely used as a second language in Slovakia, especially among the younger generations. English is used in most professional situations.

What is the cost of living in Slovakia?

The cost of living in Slovakia for a family of four is approximately 2,517€ (USD $2,594) excluding rent, and the cost of living for a single person is approximately 742€ (USD $764.70) excluding rent. Rent for a 1 bedroom apartment in Slovakia is approximately 605€ (USD $623 ).

Conclusion: Compare Plans and Quotes Now

There are many insurance options available in Slovakia, which is why it can be a challenging task to find the best private health insurance policy. One of the best decisions expats or travelers can make is to consult an experienced insurance broker, like Pacific Prime.

With over two decades of experience matching expats with the most optimal health insurance solutions on the market, Pacific Prime leverages its close partnerships with all major insurers and has an extensive portfolio of all the best plans.

In addition to having the best health insurance policies, Pacific Prime also offers unparalleled service and outstanding claims support. Contact Pacific Prime today to secure the best insurance solution with the help of consultants who provide impartial advice and support.