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Best Health Insurance in Croatia

6 insurers ranked and reviewed · Updated May 2026

Sources:HANFA (Croatian Financial Services Supervisory Agency)Croatian Insurance Bureau

Healthcare System Overview

Croatia operates a three-tier health insurance system: mandatory basic insurance (obvezno) administered by HZZO (Croatian Health Insurance Fund), supplementary insurance (dopunsko) covering co-payments, and additional private insurance (dodatno) for premium services. The mandatory HZZO covers all residents, while dopunsko and dodatno are offered by both HZZO and private insurers. Croatia joined the EU in 2013, integrating into the European Health Insurance Card system.

Croatia Osiguranje

Croatia osiguranje d.d.

private800K members

100Score

HANFA: Market Leader by Premium Volume(2025)

★★★☆☆3.8satisfaction

Market Share

~26% overall insurance market

Employees

2,373

Ownership

Adris grupa (since 2014)

Oldest insurance company in Croatia (founded 1884)
Market leader with ~26% overall insurance market share
Full range of dopunsko and dodatno health insurance
2,373 employees serving clients nationwide

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Croatian Health Insurance Fund (HZZO)

Hrvatski zavod za zdravstveno osiguranje (HZZO)

statutory3.9M members

85Score

HANFA: National Statutory Health Insurer(2025)

★★★☆☆3.5satisfaction

Coverage

Universal mandatory (obvezno)

Supplementary

Also offers dopunsko at subsidized rates

Exemptions

Children under 18, pregnant women, war veterans, low-income

Universal coverage for all Croatian residents
Mandatory (obvezno) health insurance for GP, hospital, specialist care
Subsidized supplementary (dopunsko) covering co-payments
Exempt categories: children under 18, pregnant women, war veterans

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Allianz Zagreb

Allianz Hrvatska d.d.

private300K members

77.8Score

Allianz SE Global Brand(2025)

★★★★☆4.1satisfactionFinancial strength: AA (parent Allianz SE, S&P)

Parent Company

Allianz SE (world's largest insurer)

Health Products

Dopunsko (Basic + Extended) + dodatno

Digital Services

Free m-Doctor, MyHealth Digital Services

Part of Allianz SE — world-class financial backing
Dopunsko (Basic + Extended packages) and dodatno coverage
Free m-Doctor digital health service with new policies
Refund of one annual premium if no claims in 5 years

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Generali osiguranje

Generali osiguranje d.d.

private250K members

66.7Score

Generali Group: Major European Insurer(2025)

★★★☆☆3.9satisfactionFinancial strength: A (parent Generali Group, S&P)

Parent Company

Generali Group

Entry Price

From EUR 8.36/month (supplementary)

Health Products

Dopunsko + dodatno

Part of Generali Group, one of Europe's largest insurers
Supplementary health insurance starting from EUR 8.36/month
Both dopunsko and dodatno coverage
Strong brand presence across CEE region

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UNIQA osiguranje

UNIQA osiguranje d.d.

private200K members

55.6Score

UNIQA Group: CEE Insurance Leader(2025)

★★★☆☆3.8satisfactionFinancial strength: A- (parent UNIQA Group, S&P)

Parent Company

UNIQA Group (Austria)

Health Products

Supplementary (dopunsko)

Distribution

Partner banks (e.g., RBA)

Part of UNIQA Group Austria, major CEE insurer
Covers all co-payment costs within the compulsory health system
Distribution through partner banks (e.g., RBA)
Strong in supplementary health insurance

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GRAWE Hrvatska

GRAWE Hrvatska d.d.

private150K members

44.4Score

GRAWE: Conservative Austrian Mutual Insurer(2025)

★★★☆☆3.7satisfaction

Parent Company

Grazer Wechselseitige (Austria, mutual)

Health Products

Supplementary (dopunsko)

Distribution

PBZ bank

Part of Grazer Wechselseitige, one of Austria's oldest insurers
Strong in supplementary (dopunsko) health insurance
Conservative, financially stable mutual insurer parent
Distribution through PBZ bank

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About Health Insurance in Croatia

Our editorial team has evaluated and ranked the top 6 health insurers in Croatia based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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