Croatia — Healthcare: Private Insurance

Why this matters

Relocating individuals should care about private health insurance in Croatia as it can provide additional coverage beyond the public health system, especially for services that are not covered.

Key facts

• Health insurance is one of the conditions for a temporary stay permit, alongside purpose of stay, a valid travel document and funds; the permit lasts up to one year.
• Foreigners with approved temporary residence based on employment with a Croatian employer or qualifying economic activity are covered by compulsory HZZO insurance.
• EU, EEA, Swiss and UK visitors get necessary care in Croatia with an EHIC or substitute certificate.
• Supplementary insurance is optional for HZZO-insured persons and covers cost-sharing on services not fully funded.

Steps

1. Step 1: Research Private Health Insurance Providers — Look into various private health insurance providers in Croatia, such as local insurance companies, international companies, or online brokers.
2. Step 2: Compare Policies and Coverage — Carefully review the policy's coverage, deductibles, co-payments, and any exclusions or limitations to ensure it meets your needs.
3. Step 3: Purchase a Policy (if desired) — If you decide to purchase a private health insurance policy, carefully review the terms and conditions before signing the contract.