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Healthcare

Croatia — Healthcare: Average Costs

Croatian health insurance is funded by a 16.5% contribution paid by employers, with patient co-payments from EUR 1.32 and optional HZZO supplementary insurance.

VerifiedGovernment / official sourceCroatian Health Insurance Fund (HZZO) and Tax Administration — contributions and co-paymentsLast reviewed: 2026-10-23

Key facts

  • The health insurance contribution is 16.5% and the employer calculates and pays it.
  • Insured persons participate in the cost of services not entirely covered by the HZZO: the minimum participation is EUR 1.32 and the maximum EUR 530.88 per invoice.
  • HZZO supplementary insurance covers participation costs (for example 20% of the full price of care) and is open to registered insured adults over 18.
  • The supplementary premium is set in the policy; the EUR 10 figure often quoted was not confirmed.

Steps

  1. Getting Emergency Care — Emergency services are available at public hospitals and clinics, but costs may be higher for non-EU citizens or those without insurance

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