# Dôvera health insurance debtors

> Find out whether a company owes the Dôvera health insurance company and how much. The official debtor list by company ID through a REST API.

Dôvera is the second largest health insurer in Slovakia and publishes its own debtor list. It is a separate dataset – a company absent from the VšZP list may well be on this one.

## What the register contains
- Whether the entity is listed as a Dôvera debtor
- Amount owed in EUR
- Date from which the entity has been on the list

## Fields we return

| Field | Meaning |
| --- | --- |
| `is_debtor` | Whether the entity appears in any of the debtor lists. |
| `sources` | Array of debt records; for this register source is dovera. |
| `debtor_name` | Entity name exactly as published in the list. |
| `debt_amount` | Amount owed in EUR. |
| `listed_since` | Date from which the entity has been on the list. |

## How to request the data

```http
GET /v1/company/ico/51636549?scope=debtor_status

{
  "debtor_status": {
    "is_debtor": true,
    "sources": [
      {
        "source": "dovera",
        "debtor_name": "...",
        "debt_amount": "3820.14",
        "listed_since": "2026-07-25"
      }
    ]
  }
}
```

## How often we update

Monthly, around the 25th – the cadence at which Dôvera publishes the list.

## What it is used for

When assessing a customer before shipping on credit it pays to look at all three health insurers at once, not just the largest.

The sum of arrears across insurers is a better indicator than the single largest amount, because how employees split between insurers is essentially arbitrary.

## Frequently asked questions

### Do you return debts from all insurers at once?

Yes. One call with scope=debtor_status returns a sources array with records from all five debtor lists we track.

### How do I tell which insurer a debt came from?

From the source field on each record – for this insurer it is dovera.