−90%
Vzajemna lost 90% of its premium when Slovenia abolished supplementary health insurance
Vzajemna wrote €311m in 2023 and €32m in 2024, after the state took over supplementary health insurance. Its market share fell from 11% to 1%.
Until 2023 most Slovenian adults bought supplementary health insurance (dopolnilno zdravstveno zavarovanje) to cover co-payments, from Vzajemna, Triglav Zdravstvena or Generali. From January 2024 the state replaced it with a compulsory contribution: health insurance premium of Slovenian insurers fell from €653m in 2023 to €82m in 2024.
Vzajemna, a mutual that wrote little else, was hit hardest: its premium fell from €311m in 2023 to €32m in 2024 and €36m in 2025, and its share of the Slovenian market from 11% to about 1%. Triglav Zdravstvena fell from €207m to €16m and no longer reports separately from 2025.
The change is a series break in Slovenian figures: market growth for 2024 understates the underlying trend, and health premium before and after 2024 is not comparable.
The numbers behind it
More insights
Premium is 2.1% of GDP across the 18 markets and outgrew it in 8 of them
2.1%The 18 markets wrote €56.87bn of premium in 2025, 2.1% of their GDP and €479 per person, while their GDP per person is 54% of the EU average. Scroll through the gap per person, growth since 2021 before and after inflation, where premium outgrew the economy and the outlook to 2028.
Underwriting made money in 17 of 18 markets in 2025, and Poland took 48% of the profit
17 of 18Claims and costs took less than the non-life premium after reinsurance in 17 of the 18 markets in 2025. The region's non-life insurers earned €1.88bn on underwriting and €2.01bn on investments, and insurers reported €5.14bn of net profit, 48% of it in Poland. Scroll through the combined ratio, investments, returns on equity, profit and five years of results.
Motor is 53% of non-life premium in the 18 markets, and over half in 12 of them
53%Motor liability and casco brought in €22.78bn of the €43.01bn the 18 markets wrote in non-life lines in 2025, which include the accident and health cover life insurers sell. Scroll through where motor matters most, claims that rise faster than premiums, what a policy costs, how prices moved and Romania after City and Euroins.
Pages behind it
When the figures change
Every data update is listed with its date, newest first: new figures, corrections and what they changed.
What changedCiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). Vzajemna lost 90% of its premium when Slovenia abolished supplementary health insurance [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/slovenia-supplementary-health-abolished
BibTeXShow entry
@misc{polisa_insights_slovenia_supplementary_health_abolished_2026,
author = {{Polisa}},
title = {Vzajemna lost 90% of its premium when Slovenia abolished supplementary health insurance},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/slovenia-supplementary-health-abolished}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.