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.

You can submit a compensation claim through the following methods:

📬 By Mail:
DDOR Novi Sad, P.O. Box 392, 21101 Novi Sad

📧 By Email:
Send an email to dzorefundacije@ddor.rs

Required Documentation for Reimbursement:
✔ Claim Form – Download it [here].
✔ Original or copy of medical documentation – Must include diagnosis, prescribed therapy, laboratory test results, and other diagnostic procedures.
✔ Original or copy of the fiscal receipt for medical services.
✔ Copy of the voluntary health insurance policy (only required for the first claim submission within the current insurance period).
✔ Bank account details for reimbursement processing.

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