Life Report

Product Insurance Market Reports Life Rev Slovenia

Key Highlights

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  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details Slovenia's insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in Slovenia's economic and political environment
  • Demographic information
  • Market statistics and company performance

Report Overview

Independent strategic insight, line of business detail, regulatory information & market data for the non-life (P&C) insurance market of Slovenia

The Slovenia life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of Slovenia.  Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers visit Slovenia and interview local professionals working across the local market. The report is updated with new information and data regularly throughout the cycle of country visits.

The report provides information about Slovenia’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in Slovenia is available.

Axco’s report describes the regulatory framework that applies to the Slovenian domestic life insurance sector, including whether non-admitted insurance is permitted in Slovenia; as well as the legislation necessary to know regarding Slovenia’s healthcare, pensions and social security.

Statistics include five years of life insurance market performance indicators, including gross written premiums, premium growth and penetration rates. Company statistics show who are the leading life insurance companies in Slovenia with local life insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including Slovenian market participants, reinsurance and distribution channels. The reports describe classes of business from both individual and group life such as whole life, endowment, term life and unit-linked.
Information on non-life classes for example critical illness and private medical insurance.


The report describes the public and private healthcare system in Slovenia, the scope of cover, accessibility financing and provides an analysis of how the public and private systems complement each other.


Axco reports on the three pillars of Slovenian pension provision.

  • State pension benefits including benefit calculations and eligibility criteria 
  • Workplace pension provision; types of schemes calculations eligibility and; tax implications
  • Voluntary individual pension provision, type of products and tax implications

Social Security

The Slovenia report provides an in-depth analysis of the regulatory framework governing social security as well as details on financing and eligibility. Information includes but is not limited to

  • state pensions,
  • permanent disability benefit
  • occupational accident and disease
  • maternity and paternity payments 

Slovenia Life and Benefits Report Extract

Below are brief extracts of information from the Slovenia Life & Benefits Report; more updated information may be available in the latest published report.

Life Insurance

Slovenia is by far the wealthiest and most sophisticated country to emerge from the break-up of the former Yugoslavia. Its wealth is partly expressed in extremely high levels of car ownership, with 1.18 million cars owned by just 2.08mn people. Slovenia joined the EU in 2004 and was the first ex-socialist country to adopt the euro in 2007. Although the country is westward-looking in many respects, there are still socialist-era expectations about social provision for healthcare and retirement, as well as a deep reluctance for the state to disengage itself from the commanding heights of the economy. As a result, the two largest insurers still have substantial state ....


Legislation for voluntary pension funds and tax relief for voluntary pension contributions were introduced on 1 January 2000 by the Pension and Disability Insurance Act 1999 (ZPIZ-1). Qualifying pensions may be offered by insurance companies, mutual pension funds or joint stock pension companies. Pensions may only be written on a defined contribution basis. Funds may only be withdrawn at social security retirement age and must be used to purchase a single life annuity from a pension company or insurance ....


Because of historically high state hospital standards, there are few private healthcare facilities and little opportunity to develop conventional PMI. The main form of PMI, which accounts for an estimated 95% of the market, is voluntary health insurance (VHI), which reimburses patients' cash contributions towards public health service treatment. VHI is a non-life class which generated premiums of EUR 612.04mn (USD 685.14mn) in 2019. The business is written by only three insurers but is dominated by the monoline Health Insurance Mutual, with over 50% market share ....

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