Kosovo
[Updated 6/19/25] Employee benefits in Kosovo are relatively new and include health insurance, personal accident insurance, life insurance, and pension. Several types of insurance are mandatory in Kosovo; however, there are currently no compulsory insurances relevant to the employee benefits market.
Country Insight
Public Health System – The public health system is not mandatory, meaning employers or employees are not required to make medical contributions. However, a law requiring mandatory health insurance was introduced in 2014 but has not been implemented.
Private Health System – Private companies and high-income individuals typically prefer this type of coverage. Three foreign health carriers operate in Kosovo:
- Austrian companies – Uniqa, which will leave the market at the end of 2025, and VIGA
- Slovenian company (Sava) – offers specialized and flexible services
Life Insurance & Personal Accident – The life insurance market in Kosovo is underdeveloped, with only €7 million in premium income and two foreign-owned companies. Poor economic conditions and a lack of awareness about insurance benefits hinder the market.
Pension – Kosovo’s pension system consists of three pillars:
First Pillar: State scheme for old age and incapacity to work at age 65.
Second Pillar: Mandatory individual pension savings with a 5% contribution from the employer and the employee.
Third Pillar: Voluntary private pensions allow additional contributions of up to 15% of salary.
GrECo provided this information about employee benefits in Kosovo. If you need support with your benefits in the country, please contact Asinta, and we will connect you with the local experts at GrECo.