Do I need Health Insurance When Moving to Croatia?

When planning a move to Croatia as an expat or digital nomad, understanding the health insurance requirements is crucial. Croatia requires visitors staying longer than 90 days to have health insurance covering a minimum of 30,000 EUR for emergency medical services, including repatriation for medical reasons, urgent medical care, and hospital treatment. This insurance should be valid for the duration of your intended stay. Additionally, if you're applying for temporary residency, having adequate health insurance is a prerequisite.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance typically meets the requirements set by Croatia. Most international health insurance plans offer comprehensive coverage that exceeds the minimum required amount and includes the necessary emergency medical services. However, it's essential to check the specifics of your policy to ensure it covers repatriation and emergency evacuation, as these are often additional options in some plans.

Which Local Health Insurers Offer This Type of Insurance?

Several local insurers in Croatia provide health insurance plans that meet the requirements for residency. Some of the prominent local health insurers include Croatia Osiguranje, Allianz Hrvatska, and Grawe Hrvatska. These companies offer various health insurance packages that cater to both local residents and expats. Their policies typically cover emergency medical services, hospital treatment, and can include additional benefits depending on the chosen plan.

Advice from Expats in Croatia about Health Insurance

Expats in Croatia often advise newcomers to carefully review their health insurance options and choose a plan that suits their specific needs and circumstances. It's recommended to opt for a policy that covers not just the minimum requirements, but also preventive care, specialist visits, and possibly dental care. Consider policies that provide coverage in other EU countries as well, ensuring you're protected while traveling. Additionally, be mindful of the waiting periods for certain treatments and any exclusions in the policy. Expats also emphasize the importance of keeping your insurance documents up-to-date and easily accessible, especially when applying for residency or dealing with medical emergencies.