Is Health Insurance Required When Moving to Macedonia?

When planning a move to Macedonia as an expat or digital nomad, one of the essential considerations is healthcare. While Macedonia does have a public healthcare system, it is crucial for newcomers to have private health insurance upon arrival, especially during the period before they obtain residency or become enrolled in the public healthcare system. The Macedonian government does not specify a minimum coverage amount for health insurance, but it is generally expected that your insurance should cover basic healthcare needs, emergency services, and possibly repatriation. It is advisable to ensure that your insurance is valid for the entire duration of your stay, or at least until you are eligible to join the national healthcare system.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements of various countries for incoming residents. However, it is important to verify that your chosen plan is accepted in Macedonia. The insurance should provide comprehensive coverage, including hospitalization, outpatient services, and emergency care. It is recommended to check with the insurance provider to confirm that their coverage is recognized in Macedonia and that it will suffice for visa and residency applications. Additionally, expats should ensure that their policy includes coverage for the entire duration of their stay until they are eligible for the local healthcare system.

Which local health insurers offer this type of insurance?

In Macedonia, there are several local health insurance providers that offer plans suitable for expats and digital nomads. These companies typically provide a range of options from basic to comprehensive coverage. Some of the well-known insurers include Triglav Insurance, Eurolink Insurance, and UNIQA. These insurers have experience dealing with the expat community and can offer plans that are tailored to the needs of newcomers. It is advisable to compare different plans and providers to find the best coverage for your specific needs and to ensure that the insurance is recognized by the Macedonian healthcare system.

Advice from Expats in Macedonia about Health Insurance

Expats living in Macedonia often emphasize the importance of obtaining a health insurance plan that offers extensive coverage and flexibility. They recommend choosing a reputable insurance provider with a track record of prompt and reliable service. It is also suggested to look for plans that offer direct billing with hospitals and clinics to avoid out-of-pocket expenses during medical emergencies. Additionally, understanding the terms and conditions, including any exclusions or waiting periods, is crucial. Expats advise paying particular attention to coverage for pre-existing conditions and ensuring that the policy includes medical evacuation or repatriation, should it be necessary. Lastly, it is beneficial to have a plan that offers customer support in English or a language you are comfortable with, to facilitate communication in times of need.