Home/Croatia/Croatian Health Insurance Fund (HZZO)

statutory

Croatian Health Insurance Fund (HZZO)

Hrvatski zavod za zdravstveno osiguranje (HZZO)

85Score

★★★☆☆3.5

Customer satisfaction · 3.9M members

HANFA: National Statutory Health Insurer(2025)

HZZO is the sole administrator of mandatory (obvezno) health insurance in Croatia, covering the entire population of approximately 3.9 million. It also offers subsidized supplementary (dopunsko) insurance covering co-payments for specialist care, hospital stays, and branded medications.

Overall Score

85/100

Founded

1993

Headquarters

Zagreb

Type

statutory

Visit Website→

No obligation. Compare personalized rates.

Key Metrics

Coverage

Universal mandatory (obvezno)

Supplementary

Also offers dopunsko at subsidized rates

Exemptions

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

Eu Integration

EHIC card integrated

Editorial Ratings

HANFA: National Statutory Health Insurer(2025)

Rating: Sole mandatory health insurance administrator (max: N/A)

85HANFA

Coverage Highlights

✓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
✓EU EHIC integration for cross-border healthcare

Pros

✓Universal coverage for all residents
✓Low-cost dopunsko supplementary option
✓Well-defined exempt categories
✓EU EHIC integration

Cons

✗Long wait times for specialists
✗Limited choice of providers
✗Basic coverage only — additional private insurance needed for premium care

Frequently Asked Questions

What does HZZO's mandatory insurance cover?

HZZO's mandatory (obvezno) insurance covers GP visits, specialist care, hospital stays, maternity, and partially covers medications. Co-payments apply for some services.

What is dopunsko insurance in Croatia?

Dopunsko (supplementary) insurance covers the co-payments required under the mandatory system. HZZO offers it at subsidized rates, and private insurers also offer competing products.

Who is exempt from co-payments in Croatia?

Children under 18, pregnant women, war veterans, and low-income residents are exempt from co-payments under Croatia's health insurance system.

Quick Summary

InsurerCroatian Health Insurance Fund (HZZO)

Country🇭🇷 Croatia

Overall Score85/100

Satisfaction3.5/5

Members3.9M

Typestatutory

Founded1993

Other Insurers in Croatia

Croatia Osiguranje

private

100

/ 100

Allianz Zagreb

private

77.8

/ 100

Generali osiguranje

private

66.7

/ 100

UNIQA osiguranje

private

55.6

/ 100

GRAWE Hrvatska

private

44.4

/ 100

Ready to get covered?

Visit Croatian Health Insurance Fund (HZZO) to learn more about their plans.

Visit Website→