Life moves at a relaxed pace in Croatia, with quaint towns lining the breathtaking coastal views. Plus, if it’s island living you’re looking for, Croatia boasts more than 1,000 of them dotted around the mainland.

Sounds somewhat idyllic, doesn’t it? And to top it all off, expats in Croatia will also benefit from the country’s efficient healthcare system, which is accessible to all residents. But, of course, that isn’t your only option – we’ll guide you through the rest in this very article.  

If you’ve already decided that private health insurance is sensible before your move to Croatia, we recommend Cigna. Helping more than 95 million customers all over the world, Cigna has the know-how to get you just the right cover.

Start building a customised plan with a free quote to protect your most important assets – you and your family.

Croatian healthcare: Key facts

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An overview of Croatia’s healthcare system

Croatia has a universal healthcare system put in place to help its citizens stay in tip-top shape. All residents in the country are required to be covered by a basic health insurance plan called obavezno(this translates to English as ‘required’), which makes sure everyone in Croatia has access to basic primary care.

To support the healthcare system, residents are expected to make contributions each month. There are, however, a few categories exempt from contributing, including:

  • Anyone under the age of 18
  • People with residency in Croatia that are incapable of independent life
  • Children of dependents that are incapable of independent life
  • Family members of dead or missing Croatian armed forces members and disabled members of Croatian armed forces

You should also note that residents are unable to opt out of the healthcare system, unless they plan on upgrading to private health insurance. 

Is healthcare free in Croatia?

Unfortunately, healthcare isn’t free in Croatia. So if you’re moving here from the UK, it might take some getting used to. Treatment is, however, heavily subsidised. This means that even if you need emergency care, an operation, or even just to visit your GP, you won’t have to fork out a hefty sum. 

For any treatment you receive, you’ll need to make a co-payment of 20% of the cost. The maximum fee for a single treatment is 2,000 Croatian kuna (£239), with obavezno covering the other 80%. To cover co-payments, some Croatians – such as students, disabled residents, or low-income households – are able to take out supplementary health insurance with the Croatian Institute for Health Insurance (HZZO).

Overall, out-of-pocket payments excluding voluntary health insurance accounted for 10.5% of Croatian health expenditure in 2017. This figure was well below the EU average of 15.8%.

Is Croatia covered by the European Health Insurance Card?

Since Croatia is part of the EU, the European Health Insurance Card (EHIC) is valid in Croatia. Therefore, if you’re a citizen of an EU country and are planning to move to Croatia, we would highly recommend that you get an EHIC.

If you’re moving to Croatia from the UK, keep an eye out for any changes on the EHIC rules. The EHIC is still valid now that the UK has left the EU – but once a Brexit plan is finalised, it may be the case that different regulations apply. 

Unfortunately, there are no clear-cut rules just yet. Any arrangements you make will most likely have to be reviewed once a post-Brexit plan is put in place. 

A view of sea in Dubrovnik

A view of the crystal clear seas in Dubrovnik – a city in Croatia, famed for its Old Town, enclosed with distinctive stone walls

Healthcare in Croatia for foreigners

According to the UK Government, if you plan on living in Croatia for more than three months, you need to register as a resident. As a resident, you’ll then have to pay health insurance contributions to the Croatian Health Insurance Fund (HZZO), which funds the country’s healthcare system.

Again, if you’re moving from the UK, this might make things a little murky. Expats that are living in Croatia before the end of 2020 will still have the same rights to access healthcare in Croatia for as long as they remain legally resident. It’s unclear whether the same rules will apply once a Brexit deal is finalised (if at all). 

As we mentioned in the previous section, the rules for Brits are pretty blurred at the moment, and will remain so until the UK government secures a deal – so make sure to keep a watchful eye on any amended rules. 

How good is healthcare in Croatia? 

The healthcare service in Croatia is generally pretty good. In fact, The Lancet ranked Croatia 30th out of 120 countries in its study of the best healthcare systems around the world.

Plus, according to the European Commission, self-reported access to healthcare is of a good standard, with low unmet needs for medical care. There is, however, a substantial difference in satisfaction rates between low- and high-income groups. Unmet needs also tend to be high among older people and those in less built-up areas.

But, despite its ranking, Croatia is still working to further improve its healthcare system. Like most countries, the public healthcare facilities in Croatia tend to have longer waiting times compared to private facilities. To combat this, the Croatian government implemented a national hospital plan between 2015 and 2016, which aimed to improve effectiveness and efficiency within all public facilities.

Private healthcare in Croatia

Do you need health insurance in Croatia?

All Croatian residents are required to have some sort of health insurance, and there are three types you can choose from:

  1. Obavezno zdravstveno osiguranje – This is mandatory for all residents, and is prescribed by the state agency HZZO
  2. Dopunsko zdravstveno osiguranje – This is an optional health insurance supplement that you can get from either HZZO, a private bank, or an insurer. It’s affordable, and eliminates most co-payments for primary care hospital visits
  3. Dodatno zdravstveno osiguranjeDodatno is the highest level of health insurance in Croatia, and is only offered by banks and private insurers. This private healthcare option usually covers specialists, additional treatments, preventative care, laboratory tests, and extended hospital visits

Although public health insurance is mandatory in Croatia, some people still opt to go private because of the additional benefits it has to offer.

Benefits of private medical cover

  • Shorter waiting times
  • Private hospital rooms
  • Better quality of facilities
  • Dental care (not typically covered by public health insurance)
  • Ability to select your doctor or surgeon

Currently, around 18% of people in Croatia have private health insurance (‘dodatno‘).

If you think these benefits suit your needs, or expect they will in the near future, it would be wise to get some private medical cover sorted before your move to Croatia

a view of Split in Croatia

The sunset – adorned with city lights – reflecting in the calm waters of Split’s harbour

Cost of private healthcare in Croatia

How much is public health insurance in Croatia?

The price of state health insurance in Croatia will depend on your circumstances. We’ve listed a few of the main price brackets below to give you a rough idea of how much you’re likely to pay.

  • Unemployed in Croatia, but don’t claim benefits – This situation covers a good chunk of the foreigners living in Croatia, perhaps because this is an excellent location for retired expats. In this case, the standard rate of healthcare is 550 kuna (£65) per month
  • Employed by a Croatian company – If you are an employee in Croatia, your company is required by law to pay for your obavezno health insurance as part of your salary. The cost of your health insurance is calculated based on how much you earn. In terms of salary, there is ‘neto’ and ‘bruto’. Neto salary is the net amount you get paid into your bank account each month. Bruto salary is the amount you receive, plus taxes and pension.
  • An EU citizen – If you are an EU citizen that is no longer paying into the state health program in your home country, then you must start a new policy with HZZO. You will pay 550 kuna (£65) per month.
  • You are unemployed and collect unemployment benefits – Unemployed people can request that their HZZO health insurance premium be covered by the state only if they notify HZZO within 30 days of losing their job. This only applies if you lose your job at a Croatian company. 

How much is private health insurance in Croatia?

Although all Croatian residents are covered by public health insurance, private healthcare is likely to give you much more in-depth cover overall. 

As a broad overview, the cost of private health insurance in Croatia could range from anywhere between 500 and 7,000 kuna (£59 – £838) each year – and sometimes even more. So, opting for private health insurance can put you out a few thousand more than the public health insurance option.

Unfortunately, it’s difficult to estimate how much private health insurance will cost you, since it is entirely dependent on your personal circumstances. Factors that can impact the price of private medical cover include:

  • Age
  • Health factors
  • Gender
  • The type of cover you get 
  • Which insurance company you opt for

Keep in mind that these prices are just averages. To find out exactly how much private medical cover will cost you in Croatia, you can start building a plan with Cigna today