Best Health Insurance in Croatia

2 plans ranked and reviewed · Updated April 2026

Healthcare System Overview

Compulsory public health insurance (HZZO) with optional supplementary insurance covering co-payments.

Croatia Osiguranje Zdravlje

Croatia Osiguranje

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Croatian Market Leader

★★★★☆4(987 reviews)

Monthly Premium

HRK 250 - HRK 900

Deductible

HRK 500

✓Largest Croatian insurer
✓Tourist health cover
✓Zagreb specialist network

“Croatia Osiguranje's market dominance reflects decades of trusted service to Croatian families and businesses.”— Poslovni Dnevnik 2025

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Allianz Zagreb Zdravstvo

Allianz Zagreb

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International Backing

★★★★☆4.1(765 reviews)

Monthly Premium

HRK 280 - HRK 1000

Deductible

HRK 400

✓Global Allianz network
✓International emergency
✓Annual health exam

“Allianz's global reach gives Croatian policyholders unique peace of mind for both domestic and international health needs.”— Jutarnji List 2025

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About Health Insurance in Croatia

Croatia's HZZO provides compulsory public insurance; supplementary plans cover co-payments and private care.

Our team of insurance experts has evaluated and ranked the top 2 health insurance providers in Croatia based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.

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