How to Enroll in the Public Healthcare System in Croatia

If you're planning to enroll in the public healthcare system in Croatia, this article covers the requirements for foreigners to be able enroll in the public healthcare system, the steps involved and more.

The public healthcare system in Croatia is known as the Croatian Health Insurance Fund (HZZO). It is a mandatory system for all residents, including foreigners who have obtained a residence permit. The quality of healthcare in Croatia is generally good, with a high standard of medical professionals and facilities, particularly in urban areas. However, it's worth noting that the system can be slow and bureaucratic, and there may be language barriers in more rural areas.

Most people in Croatia use the public healthcare system, although private healthcare is also available. The cost of public healthcare is covered by mandatory health insurance contributions, which are deducted from salaries for those in employment, or paid directly for those who are self-employed or not working.

Eligibility for Public Healthcare in Croatia

Foreigners are eligible to enroll in the Croatian public healthcare system if they have obtained a residence permit. This includes those who are working in Croatia, studying, or living in the country long-term for other reasons. EU citizens who are temporarily in Croatia can also access healthcare using the European Health Insurance Card (EHIC), but this is not a long-term solution.

Steps for Enrolling in the Public Healthcare System

1. Obtain a residence permit: Before you can enroll in the public healthcare system, you need to have a valid residence permit. This can be obtained from the local police station in the area where you are living.
2. Register with the Croatian Health Insurance Fund (HZZO): Once you have your residence permit, you can register with the HZZO. This involves filling in an application form and providing supporting documents, including your residence permit and proof of address.
3. Pay health insurance contributions: Once you are registered with the HZZO, you will need to start paying health insurance contributions. The amount you pay will depend on your income and employment status.
4. Choose a primary healthcare provider: After you are registered and have started paying contributions, you can choose a primary healthcare provider. This is usually a general practitioner in your local area.

It's important to note that even after you are enrolled in the public healthcare system, you may still need to pay for certain services. For example, there are co-payments for some medications and treatments, and dental care is not fully covered.

Private Healthcare in Croatia

If you prefer not to use the public healthcare system, or if you need treatment that is not covered by the HZZO, you may choose to use private healthcare. There are many private clinics and hospitals in Croatia, offering a wide range of treatments. The cost of private healthcare can be high, so it's a good idea to have private health insurance if you choose this option.

Overall, while the process of enrolling in the public healthcare system in Croatia can be bureaucratic and time-consuming, it is a necessary step for anyone planning to live in the country long-term. With a bit of patience and the right documentation, you can access a good standard of healthcare in Croatia.

AGS Worldwide Movers
Get Quote

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.
Get Quote