Slovenia Health Insurance for Expats

International Health Insurance for Expats in Slovenia

Slovenia, with its picturesque landscapes and high quality of life, is an attractive destination for expats. However, accessing healthcare in a new country requires careful planning. While Slovenia has a robust healthcare system, expats often opt for international health insurance to ensure comprehensive coverage and peace of mind.

International health insurance provides expats in Slovenia with the flexibility to choose their preferred doctors and hospitals, both locally and abroad. It also ensures coverage for specialized treatments and emergency evacuations, which may not be fully covered by public insurance. With private health insurance, you gain access to a broader network of healthcare providers and shorter waiting times.

For those relocating to Slovenia, consulting with an experienced insurance broker, such as Pacific Prime, can simplify the process of finding the right plan. Brokers provide tailored advice and compare policies from top insurers to suit your unique needs, ensuring you and your family are adequately protected.

Recommended International Health Insurance Plans for Expatriates Living in Slovenia

Healthcare in Slovenia

The Slovenian healthcare system offers both public and private medical options. The public healthcare system offers a high standard of care to citizens, long-term residents, and EU/EEA visitors. It is supported by regular contributions through tax by all employees and businesses.

On the other hand, temporary residents and travelers from outside the EU are encouraged to arrange private health insurance for themselves and for any dependents.

The Ministry of Health oversees Slovenia’s healthcare system, funding hospitals and national programs to serve citizens. Its mission is to develop healthcare through a blend of public and private services, fostering competition and patient choice.

The Health Insurance Institute of Slovenia (HIIS) manages mandatory health insurance as a non-profit public entity, distributing public funds to ensure comprehensive coverage for all citizens.

Public Healthcare in Slovenia

In Slovenia, nearly all residents are enrolled in compulsory health insurance, administered by the Health Insurance Institute of Slovenia (HIIS). This insurance covers basic care but doesn’t include all costs, requiring patients to cover certain expenses out-of-pocket.

Additionally, enrollment is mandatory, with contributions based on income, and foreign nationals can join if they hold residency or work authorization.

Since the compulsory scheme only covers some costs, many residents purchase voluntary insurance to reduce out-of-pocket expenses and access faster treatment. This supplementary coverage has become popular to address the long wait times and coverage gaps typical of public healthcare.

For more comprehensive coverage, many residents opt for voluntary insurance plans, which supplement the mandatory scheme by reducing out-of-pocket costs and cutting down on wait times for treatments—issues commonly seen in the public system.

The Slovenian healthcare system faces challenges similar to those in Eastern Europe, including long waiting periods for services due to an aging population and limited availability of certain advanced medical resources

Medical Facilities in Slovenia

In Slovenia, medical facilities are organized into primary, secondary, and tertiary levels, ensuring accessibility across the country. Currently, there are 29 hospitals, including 18 for general treatments, four for mental health, two each for maternity care, pulmonary treatments, and orthopedic care, along with a specialized rehabilitation center.

This network of public healthcare institutions is well-distributed; nearly every location in Slovenia is within 20 kilometers of a primary healthcare center, as there are 64 such centers and 69 health stations throughout the country.

For advanced healthcare, patients require referrals from doctors registered with Slovenia’s Health Insurance Institute (HIIS) to access secondary and tertiary care, which includes specialist services and hospital treatments.

Slovenia’s Public Hospitals

Slovenia’s public hospitals offer comprehensive care across specialties. In this section, we explore key institutions like the University Medical Centre Ljubljana and Maribor, along with regional hospitals such as Celje and Ptuj, providing essential services in cardiology, pediatrics, and more​.

Below is a list of public hospitals in Slovenia:

• University Medical Centre Ljubljana: As Slovenia's largest hospital, UMCL is a leader in complex treatments, including cardiovascular surgery, oncology, and neonatal care. It is equipped with cutting-edge technology and staffed by specialists, offering a range of services across many medical fields.
• University Medical Centre Maribor: UMCM specializes in endocrinology, diabetes, and metabolic disorders. Known for its advanced treatment in these areas, it also offers surgery, pediatrics, and rehabilitation, making it a major healthcare provider in Slovenia’s second-largest city​.
• Celje General Hospital: Celje Hospital provides diverse services, including surgery, internal medicine, and emergency care. It is a key medical institution for central Slovenia, offering a broad range of treatments and ensuring accessible healthcare to the region.
• Ptuj General Hospital: Located in the east of Slovenia, Ptuj General Hospital serves as a vital healthcare provider for the local population. It offers primary and secondary care, with services ranging from emergency treatment to specialized medical procedures​.

Slovenia’s Private Hospitals

Private hospitals in Slovenia provide quicker access to specialized care. This section details leading private hospitals like MD Medicina Clinic, Barsos Medical Center, and Valdoltra Orthopaedic Hospital, known for their advanced orthopedic, diagnostic, and treatment services.

Below is a list of private hospitals in Slovenia:

• MD Medicina Clinic: MD Medicina Clinic in Ljubljana offers specialized diagnostic and medical services with a focus on quick consultations and treatments. Known for its modern facilities, it caters to both local and international patients looking for efficient care without long wait times​.
• Barsos Medical Center: Barsos Medical Center provides a range of diagnostic and consultation services. It specializes in preventative care and outpatient treatments, allowing for faster appointments and advanced care options in a private setting.
• Valdoltra Orthopaedic Hospital: Valdoltra Orthopaedic Hospital in Ankaran is renowned for its expertise in orthopedic surgeries, including joint replacement and spinal surgery. With a history of over a century, it attracts both local and international patients seeking specialized care.

Healthcare for Expats in Slovenia

Foreign nationals visiting Slovenia will be expected to pay for medical services and treatment while in the country. Those requiring a simple medical consultation will be administered through the public system and those in emergency conditions will have aid delivered immediately.

Since Slovenia is a member of the European Union, European citizens are entitled to have the same health benefits as Slovenian citizens under reciprocal healthcare agreements if they hold a valid European Health Insurance Card (EHIC).

While Slovenia offers high-quality healthcare, it’s advised that visitors obtain international medical insurance, covering medical evacuation and repatriation. Check with your home country’s health department to see if a reciprocal agreement exists with Slovenia for healthcare coverage

Lastly, travelers to Slovenia should consult their doctor on getting vaccinated for tetanus, hepatitis A and B, and typhoid prior to their visit. Tick-borne encephalitis is also a prevalent risk in the rural areas of the country.

Health Insurance Options in Slovenia for Expats

Slovenia offers expats access to both public and private health insurance, ensuring comprehensive care. Whether you’re living in Slovenia temporarily or permanently, understanding your options is crucial for navigating the healthcare system and getting the right coverage for medical needs.

Public Insurance in Slovenia

Slovenia’s public health insurance, managed by the Health Insurance Institute of Slovenia (HIIS), is mandatory for all residents. It covers a wide range of healthcare services, including doctor visits, hospital stays, and certain specialized treatments.

Expats with residency or work permits are typically required to contribute to the public insurance system. Contributions are based on income, and everyone receives an insurance identification card, ensuring access to Slovenia’s extensive network of hospitals and clinics​.

However, the public system may not cover all medical expenses, such as elective procedures or advanced treatments, which is why additional coverage might be necessary.

Private Insurance in Slovenia

Private health insurance in Slovenia is sought after for quicker access to specialized care and additional coverage. These plans often reduce wait times, provide more comfortable accommodations, and cover services like dental and optical care, which may not be fully included in the public system​.

Leading private insurers like Zavarovalnica Triglav offer comprehensive coverage for expats, while Adriatic Slovenica tailors plans for both short- and long-term residents. Expats are encouraged to consider private insurance for supplementary coverage or to manage high medical costs.

Best Private Insurance in Slovenia for Expats

Pacific Prime offers several private health insurance plans for expats in Slovenia. These plans are provided by internationally recognized insurance providers that cater to the needs of expatriates living in Slovenia. Some of the leading options available through Pacific Prime include:

Allianz Care

Allianz Care offers comprehensive international health insurance, covering hospitalization, outpatient care, and emergency services. They provide flexible plans tailored to expats' needs, with options for coverage in Slovenia and worldwide​​.

Cigna Global

Cigna Global provides flexible health insurance plans for expats in Slovenia, offering coverage for inpatient, outpatient, and emergency care. Their plans also include wellness benefits and mental health coverage, ensuring comprehensive care both locally and internationally​.

AXA

AXA’s international health plans cater to the diverse needs of expats in Slovenia. Their offerings include flexible coverage options, mental health services, and 24/7 emergency assistance. AXA’s strong reputation for quality service and extensive provider network makes it a popular choice for expatriates in Europe.

Securing Health Insurance in Slovenia

Expats in Slovenia can access health insurance through the public healthcare system or private plans. The public system, managed by the Health Insurance Institute of Slovenia (HIIS), covers primary care, specialist services, and hospital treatments, but co-payments may apply for some services.

The public healthcare system is reliable, but many expats supplement it with private insurance to cover additional services, faster access to specialists, or dental and vision care. Private plans are ideal for expats who want more comprehensive coverage and shorter waiting times for specific medical treatments.

International health insurance plans are also an excellent option for expats in Slovenia. These plans provide global coverage, including emergency evacuation and access to private hospitals. Such plans are particularly beneficial for frequent travelers or those needing coverage outside Slovenia.

Adequate health insurance ensures peace of mind by protecting expats from unexpected medical costs. Comparing public, private, and international plans allows expats to choose the most suitable option for their needs, ensuring access to quality care without financial strain.

Facts to Consider When Picking Insurance in Slovenia

When selecting insurance in Slovenia, consider coverage for both essential and specialized healthcare, including dental, optical, and emergency services. Ensure the policy includes medical evacuation and check if it covers treatments at private hospitals, which can offer shorter wait times​.

Additionally, check if the plan provides access to Slovenia’s high-quality healthcare facilities and whether it offers international coverage. Expats should compare plans that include coverage for chronic conditions or specific health needs to ensure comprehensive care during their stay​.

Health and Safety Tips for Travelers in Slovenia

Travelers to Slovenia should ensure they have health insurance that covers emergencies, medical evacuation, and treatments not included in public healthcare. Emergency services are excellent, but private insurance is recommended for quicker access to treatment and non-emergency services​.

Travelers should also familiarize themselves with local health facilities and the emergency services number, 112, which is used for all emergencies. Make sure to carry any necessary medications and be aware of local health risks to stay safe during your visit.

Frequently Asked Questions

Do I need health insurance to visit Slovenia?

Travelers should have health insurance for their stay in Slovenia. Although the country has a robust healthcare system, private health insurance is recommended for additional coverage, especially for emergencies or non-emergency treatments.

What does public health insurance in Slovenia cover?

Public health insurance in Slovenia, managed by the Health Insurance Institute (HIIS), covers a broad range of services, including hospital stays, doctor visits, and surgeries. However, it may not cover some services like dental or optical care, which may require private insurance.

Can I use my home country’s health insurance in Slovenia?

Depending on your nationality and the agreements between your country and Slovenia, some expats may use their home country's health insurance. However, additional private insurance may be necessary to cover services not included in Slovenia's public system.

Compare Plans and Quotes Now

Securing international health insurance is a smart choice for expats in Slovenia. It shields you from expensive medical bills and provides a more comfortable alternative to public hospitals, which may have long wait times and limited resources.

Navigating through various health insurance options can be challenging, but the experts at Pacific Prime are here to assist. Our advisors offer unbiased advice to help you find the most suitable plan that meets your needs and fits your budget.

Pacific Prime offers a wide variety of healthcare plans and travel insurance policies with possible benefit packages including dental, maternity, inpatient, outpatient, specialist consultations, and many more. Contact our professional advisers today to receive a plan comparison and no-obligation free health insurance quote.