Employment, Social Affairs & Inclusion

Croatia - Benefits in kind (healthcare)

This chapter will explain your rights in the healthcare (davanja u naravi – zdravstvena skrb) system in Croatia which are covered under mandatory health insurance.

If you are a national of another European Union country and suddenly become ill, injure yourself or have an accident while in Croatia, you are entitled to healthcare with a European Health Insurance Card.

This chapter covers:

  • mandatory health insurance (obvezno zdravstveno osiguranje);
  • supplementary health insurance (dopunsko zdravstveno osiguranje).

In what situation can I claim?

Mandatory health insurance provided by the Croatian Health Insurance Fund (HZZO) insures all people with a permanent residence in Croatia and foreign nationals with an approved permanent residence permit unless otherwise regulated by international treaty.

Nationals of other European Union countries are also obliged to be insured provided they are not insured in another Member State as well as nationals of countries that are not members of the European Union if they have an approved temporary residence permit in Croatia.

They are insured on the basis of an employment contract with an employer who has a registered office in Croatia, or on grounds of conducting economic or professional activities in Croatia, unless otherwise stipulated by European Union regulations or international treaty.

You may be insured under supplementary health insurance only if you have confirmed status of an insured person under the mandatory health insurance scheme at the HZZO.

What conditions do I need to meet?

Mandatory health insurance at the HZZO is claimed on different grounds (for example, employment contract, conduct of economic activities, pension, family member of an insured person).

You can claim healthcare covered by mandatory health insurance if you are registered for insurance at the HZZO. You prove your status of an HZZO insured person with your health card or certified copy of your health insurance registration.

If you are insured under mandatory health insurance and older than 18 years of age, you can also be insured under supplementary health insurance.

What am I entitled to and how can I claim?

Mandatory health insurance

You claim your mandatory health insurance rights by registering with the HZZO office in your place of residence or stay. As a rule, you must register within 30 days.

Insurance gives you the right to:

  • primary healthcare;
  • specialist and consultation healthcare;
  • hospital healthcare;
  • use the medications on the HZZO's primary and supplementary list of medications;
  • dental and prosthetic care and dental and prosthetic replacements; 
  • orthopaedic and other aids and the right to healthcare abroad.

Mandatory health insurance also covers accidents at work and occupational diseases (see the topic Invalidity, chapter Accidents at work and occupational diseases).

As a rule, no prior insurance is required to be entitled to healthcare although this may be required for some orthopaedic and dental aids. Children and disabled people are exempt from the prior insurance requirement.

You must cover some of the costs of medical care. The minimum amount of co-participation is HRK 10.00 (EUR 1.00) and the maximum amount of co-participation cannot exceed HRK 2,000.00 (EUR 265.00) for a single bill.

However, the HZZO will cover some forms of healthcare in full. For example, for children under the age of 18, full-time students, disabled people requiring permanent assistance and pregnant women.

Supplementary health insurance

You take out a supplementary health insurance policy with the HZZO. The cost of supplementary health insurance is HRK 840.00 (EUR 111.00) a year or HRK 70.00 (EUR 9.00) a month.

The costs of your healthcare in which you are required to co-participate as a person insured under mandatory health insurance are covered by your supplementary health insurance policy.

Jargon busters

  • Permanent residence is the place and address in Croatia at which a person has permanently settled for the purpose of exercising their rights and obligations associated with their life interests, such as family, professional, economic, social, cultural and other interests.
  • Temporary residence is the place and address in Croatia where a person is temporarily residing, but has not permanently settled at that address. Temporary residence is registered if it will last longer than 3 months.
  • Habitual residence is the term applying to people who are using the right of freedom of movement of workers in EU countries, and to whom, in this case, the legislation of one Member State applies. The term conveys permanence - you have been living in an EU country for some time and intend to stay there for the foreseeable future.

Forms you may need to fill in

Form for application for mandatory health insurance


Complaint form for all entitlements


Know your rights

You can find out about your legal rights at the links below. They are not European Commission websites and do not represent the views of the Commission:

Commission publications and websites:

Who do you need to contact?

Croatian Health Insurance Fund
Margaretska 3
HR-10000 Zagreb
Tel. +385 8007979 (mandatory health insurance), +385 8007989 (supplementary health insurance)

Ministry of Health
Ksaver 200A
HR-10000 Zagreb
Tel. +385 14607557, +385 8007999

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