# Union health insurance debtors

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

Union is the third health insurer operating in Slovakia. Its debtor list is smaller than those of VšZP and Dôvera, but for companies whose employees are insured with Union it is the only place their arrears will show.

## What the register contains
- Whether the entity is listed as a Union 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 union. |
| `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": "union",
        "debtor_name": "...",
        "debt_amount": "3820.14",
        "listed_since": "2026-07-25"
      }
    ]
  }
}
```

## How often we update

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

## What it is used for

For a small company with a handful of employees, Union may be the only insurer it pays into. Skipping this list would then miss the arrears entirely.

For automated counterparty checks it pays to treat the debt list as a whole rather than evaluating each insurer separately.

## Frequently asked questions

### Why is the Union list shorter?

Because Union has a smaller share of insured people. A shorter list does not mean a less reliable one – it means fewer entities belong on it.

### What if the list cannot be fetched?

We return an error, not an empty result. Claiming a company is clear when we never reached the data would be more dangerous than not answering.