Private VHI is part of the commercial insurance system. Commercial insurance companies can offer private VHI and are allowed to make a profit. The National Bank of Slovakia is responsible for monitoring private VHI. So far, private VHI plays only a marginal role due to the broad benefit package and low official cost-sharing requirements. According to the National Bank of Slovakia, total VHI premiums are approximately €1 million (in 2009). Thus they account for only 0.02% of total health expenditure and 0.2% of overall non-life insurance premiums.