Zdravo da ste – for your employees

DDOR Insurance takes care of your health with the goal of providing the best service to your employees and their family members. We have expanded our insurance offerings and, with a focus on prevention and long-term well-being, created the VOLUNTARY HEALTH INSURANCE – Stay Healthy! program.

Many illnesses can be successfully treated today, but treatment costs can be high. Voluntary health insurance offers numerous benefits, with the most important being that you can choose the scope and type of healthcare services that best suit your needs. Everything is tailored to your preferences and financial capabilities.

Voluntary health insurance is available to all individuals covered by the mandatory health insurance system of the Republic of Serbia.

It is also available to individuals who are not included in mandatory insurance under Serbian law but are employed by an insurance policyholder based in another country and wish to receive professional, fast, and high-quality healthcare services.

Family members of the insured (spouses and children) can also be included in the voluntary health insurance program.

• Saves Time – Our service is available 24/7, 365 days a year.
• Comprehensive Preventive Care – We offer thorough preventive care with no complicated procedures and affordable services.
• Flexible Package Selection – Customize your insurance package by selecting the services you need, with coverage ranging from €1,000 to €100,000.
• Expertise and Quality – We collaborate with renowned private and public medical institutions to ensure the highest level of care.
• Proven Reliability – With over 80 years of experience in insurance and membership in Unipol Group, a leader in voluntary health insurance in Italy, we guarantee security and trust.

What Does DDOR Voluntary Health Insurance Cover?
Our voluntary health insurance covers the costs of:

✔ Outpatient treatment
✔ Hospitalization
✔ Prenatal care and childbirth

Additional coverage options include:

➕ Comprehensive medical check-ups
➕ Ophthalmology services
➕ Dental services
➕ Prescription medications
➕ Physical therapy

Note: All additional coverage options, except for medical check-ups, have predefined sub-limits.

For more details, please refer to the documentation available on this page. If you have any questions regarding voluntary health insurance, contact our Medical Contact Center at +381 21 480 22 00.

Download the list (PDF).

For additional information and support, contact DDOR Insurance through the following channels:

📧 Medical Contact Center Communication: sr.rodd@etsadovardz
📧 Administrative Communication: sr.rodd@onevtsvardz
📧 Claims for Expense Reimbursement: sr.rodd@ejicadnuferOZD

• General Terms for Voluntary Health Insurance
• Special Conditions for Outpatient or Outpatient & Hospital Treatment (valid from May 15, 2021, to December 23, 2022)
• Special Conditions for Outpatient or Outpatient & Hospital Treatment (valid from December 23, 2022, to October 13, 2023)
• Pre-Contractual Information for Policyholders – Insured Persons (valid until October 13, 2023)
• Special Conditions for Outpatient or Outpatient & Hospital Treatment (valid from October 13, 2023)
• Pre-Contractual Information for Policyholders – Insured Persons (valid from October 13, 2023)