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Unforeseen medical treatment - Croatia


Hrvatski zavod za zdravstveno osiguranje
(Croatian Health Insurance Fund – CHIF)
Margaretska 3, 10 000 Zagreb
Tel: +385 1 4806 333

Treatment, coverage & costs




  • Treatment is free of charge if the hospital has a contract with the Croatian Health Insurance Fund (CHIF).
  • You need a referral from a primary care doctor.
  • You will be charged a daily fee of HRK 100 for a hospital stay. The maximum amount payable by the patient is capped at HRK 2000.


  • You can get medicines prescribed by a primary care doctor from a pharmacy that is contracted to the Croatian Health Insurance Fund (CHIF)
  • You will be charged a fee of HRK 10 per prescription.


  • Necessary ambulance travel is covered.

Air ambulance

No information available.


  • Reimbursement is not possible through the Croatian Health Insurance Fund.
  • If you have to pay for care, contact your national health insurance provider once you return home to seek reimbursement.

Information on co-payment

On the basis of the EHIC, all insured persons from EU Member States, Iceland, Liechtenstein and Norway are entitled to healthcare under same conditions as Croatians who are insured. Therefore, for certain services you are obliged to pay a fee when an insured Croatian also must do so. Co-payment is as follows:

  • 10 HRK for treatment at a primary health care doctor
  • 100 HRK per day of hospital stay
  • 10 HRK per prescription
  • 25 HRK for specialist health care
  • 50 HRK for specialist diagnostics not on the level of primary health care
  • 50 HRK for orthopaedic and other aids
  • 25 HRK per day for physical rehabilitation
  • 1000 HRK for dental aids
  • 500 HRK for dental aids for people older than 65

Insured persons from Switzerland

  • Insured persons from Switzerland cannot avail of urgent healthcare services in Croatia on the basis of an EHIC issued in Switzerland.
  • The individual must cover the cost of the provided healthcare services.
  • Insured persons from Switzerland can also not use healthcare services in Croatia for a planned treatment based an the S2 certificate.
  • The individual must also cover the cost of these healthcare service costs as well.

How to get dialysis, oxygen therapy and chemotherapy?

  • Insured persons from other EU Member States, Iceland, Liechtenstein, Norway and Switzerland can have dialysis, oxygen therapy and chemotherapy directly on the basis of their EHIC.
  • To be able to use these services without delays, it is necessary to contact a health care provider before arrival and make an appointment/reservation for these services for a specific date and time.
  • It is also necessary to bring the medical documentation with the medical indication for these services.

Loss of card

Contacts for holders of EHICs issued in Croatia

An insured person who loses an EHIC is obliged to contact the nearest CHIF location as soon as possible.

For more information:

Tel: 0800 79 79


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