Compulsory health insurance


The Croatian Health Insurance Fund implements mandatory health insurance. Under the mandatory health insurance, all insured persons are granted rights and duties following from that type of insurance on the basis of mutuality, solidarity, and equality.


All persons living in Croatia and foreigners granted permanent residence in Croatia (unless stipulated otherwise by an international treaty or a special legal act) must take mandatory health insurance.
Insurance beneficiaries include the insured, children up to 18 years of age, family members of the insured, and other insured persons who enjoy mandatory health insurance in specific circumstances.


You register for mandatory health insurance at the Croatian Health Insurance Fund. Apart from your personal/resident’s ID, you need to fill in and submit Forms 1 or 2, which you can get in the Croatian Health Insurance Fund.


After receiving a residence permit or upon expiration of previous mandatory health insurance.

Good to know

On mandatory health insurance:


Croatian Health Insurance Fund:


Persons without supplementary health insurance have to cover 20% of total expenses of hospital treatment, appointments with the GP or a dentist ((dental practitioner). In case of hospital treatment, they must pay up to 20% of the price of a specific health service, or a maximum of 2,000 HRK per examination.