BRIEF SUMMARY Direct financial statistics on private health insurance policy and premium production are not available in the uploaded sources for Kosovo. However, the market's insurance need can be clearly measured through the enormous outpatient treatment and specialist doctor consultation data at public hospitals. According to Kosovo Agency of Statistics (ASK) data, over 480,000 visits (specialist consultations) were recorded at the Pristina University Clinical Center (QKUK) polyclinics in 2023. This excessive congestion in the public sector and long waiting times in certain specialty departments are directing the middle and upper-income groups with "out-of-pocket" payment capacity to private clinics; creating a very strong organic growth potential for private health insurance investments in Kosovo.
ü Pristina University Clinical Center (QKUK), the largest and most comprehensive public hospital in Kosovo, is the epicenter of the country's health burden. According to statistics, 480,466 specialist physician visits (examinations) were carried out in QKUK polyclinics in 2023 alone. The fact that the system is so intense; It causes appointment waiting times to lengthen and patients who prioritize "time/comfort" to shift to the private sector. This escape point literally constitutes the main target market of private health insurance companies.
Family and child health are among the areas where private health insurance packages are sold the most. In 2023 data, 56,796 polyclinic applications were made to QKUK Pediatrics Clinic, showing the sensitivity and frequency of parents regarding child health. Similarly, Eye Diseases (Ophthalmology) applications, which exceeded 44 thousand, and Dermatology applications, which exceeded 22 thousand, are profitable branches in which private clinics and insurance companies that will work integrated with them can directly produce "supplementary or private health insurance" policies.
Market analysis shows that the growing middle class and corporate corporate culture in Kosovo tend to offer private health insurance to their employees. Although the density of the system on the public side presents a market gap; Obtaining an insurance license from the Central Bank of Kosovo, reinsurance agreements, tax law and establishing "provision" systems with private hospitals require serious knowledge of local legislation. The Kosovo market has high return potential when entered with correct actuarial calculations.