Effective 1 January 2026, an amendment to Acts No. 592/1992 Coll. and No. 48/1997 Coll. requires employers to submit reports to health insurance companies electronically. This applies to two submissions:
Employer's Collective Notification (HOZ) – registrations and deregistrations of employees and other changes in insured person status
Employer's Insurance Payment Statement (PPPZ) – a monthly overview of assessment bases, number of employees, and insurance premiums paid
To introduce unified data formats, a transitional period was set until 30 June 2026, during which insurance companies also accepted machine-readable PDFs. As of 1 July 2026, health insurance companies only accept submissions in XML format. A fully unified XML format across all insurance companies is not expected until 1 January 2027 – insurance companies are transitioning to it gradually and at different paces, so you may encounter both the new XML based on the schema (XSD) and the previous format based on the PDF form.
The XML file is intended for electronic submission and is not very easy to review manually – unlike the previous PDF form, there is no simple way to view it anywhere.
To make it easier to check the data, you can use the simple tool available at this link. It allows you to display XML report files for health insurance companies in a clear, human-readable form – both the new schema-based format and the older variant derived from the PDF form.
ℹ️ The ZP Viewer is an application that runs entirely in your browser. Uploaded XML files are not sent anywhere – all processing, including schema validation, takes place locally on your computer. The data never leaves your browser.
Where to generate the reports in ABRA Flexi
Both outputs can be found in the menu Employees – Print Outputs – For Health Insurance Companies. XML generation is available starting from version 2026.2. Detailed instructions are provided in separate articles:
How to use the tool
Open the ZP Viewer page.
Upload the XML files of the collective notification or the insurance payment statement:
by dragging and dropping them into the window, or
by clicking Upload Files
You can also select multiple files at once (or a ZIP containing them). A separate file is generated for each health insurance company, so there are usually several per month – the tool lets you switch between them in the top bar.
The tool displays the contents of the report in a structured form. Data can be displayed as a form or as cards – toggled using the Switch View button.
Form view
The collective notification looks the same as the insurance company's printed form, so you can navigate it just like the previous PDF. A switcher for loaded files is displayed in the top bar.
Cards view
Each employee corresponds to one card. At the top, you'll find a summary of the report (insurance company, employer, period, number of changes) and a search field for the values. This view is useful when you need to quickly find a specific piece of data.
Schema validation (XSD)
Once loaded, each file is automatically validated against the official schema, and any errors found are listed in the bottom panel. Clicking on an error takes you directly to the problematic spot in the document.
After manual edits, the validation does not run automatically – the findings are marked as "outdated," and you can rerun the validation using the Validate button in the toolbar or the Ctrl+Enter shortcut.
Editing and saving data
Data can be corrected in the tool and saved back to XML using the Save button (Ctrl+S). If you have edited multiple files at once, use the Save All as ZIP option.
⚠️ If you correct data that also affects the document header (typically totals for the employer), this change must also be reflected in the header.
What it's useful for
It helps, for example, with:
checking data before submitting the report to the insurance company
verifying that the file matches the schema before the insurance company rejects it
reviewing the new XML format currently being adopted
analyzing errors in the XML
verifying values calculated in payroll (number of employees, assessment bases, contributions)
comparing files for individual insurance companies with each other
communicating with support
If the ZP Viewer flags an XML file generated directly by Flexi as invalid, please contact our support team and attach the relevant file to your request.
📝 This tool is intended only as an aid for checking XML files for health insurance company reports. The actual submission is made in the standard way – via the relevant health insurance company's portal or via data mailbox (datová schránka).
💡 A similar tool also exists for the Unified Monthly Employer Report (JMHZ) – see JMHZ – JMHZ Viewer (external add-on). How JMHZ relates to health insurance reports is summarized in the article JMHZ – Basic Information.