Healthcare in Croatia



For most expats, finding a home in another developed country like Croatia which offers healthcare that doesn’t come with an overwhelming price tag is already a bonus point.

Around 95% of funding for healthcare in Croatia comes from public or government sources. With the establishment of the Croatian Health Insurance Fund back in 1993, revenue from compulsory health insurance has increased. Public healthcare provides for public health and environmental protection, and health education. It also ensures that antenatal and maternity care, school health services and care for elderly people are well funded. This type of healthcare also covers the military and war veterans, as well as provisions for those in remote regions of the country.

The payment for compulsory health insurance amounts to 16% of an employee's income and is an expense shared by both the employee and the employer. Back in 1995, 63% of the Croatian Health Insurance Fund was from these automatic payroll deductions. Additional payments can be made to accommodate extra entitlements like better hospital accommodations, availing of more sophisticated (or more expensive) diagnostic procedures, and even get to see specialists without waiting queuing.

Some funding for public healthcare also comes from external sources like the UN and the World Bank. Revenue from these organizations had helped improve public healthcare facilities and brought better healthcare to far-flung areas in Croatia.

The standard of public healthcare is at par with the rest of Europe. Public healthcare in Croatia is provided through health centers, emergency care centers, home care centers, and pharmacies. There is at least one health center for every municipality that provides primary healthcare. These centers ensure that emergency care, diagnostic services, and even maternal care is readily available to the people.

Secondary healthcare can be obtained from any of the country's 84 hospitals. With better facilities and inpatient procedures, these hospitals offer services for obstetrics and gynecology, internal medicine, surgery, and inpatient pediatric care. Croatia also has sanatoria (spas) that are considered part of the country's natural healthcare combining natural elements with physiotherapy and massage.

Tertiary healthcare, on the other hand, is provided by university clinics, clinical hospitals, and clinical hospital centers. Aside from providing healthcare on a more advanced level, they also specialize in medical research. 

Most expats who come to Croatia with an employment contract would normally have international health insurance through their company. However, since you would also be paying social security contributions, you would also have the benefit of utilizing the public healthcare system.

Visiting foreigners are of course also entitled to emergency care services and may also seek treatment, given that they have the required Form E111.

The average expense for healthcare on a monthly basis is about 1319.24 Kuna or 262.84 US Dollars. Indeed, health is wealth, and it is essential that an expat should consider quality healthcare before signing up for that attractive compensation package on the contract.


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