Croatia Osiguranje Zdravlje

by Croatia Osiguranje

★★★☆☆3.9(5,430 reviews)

Croatia Osiguranje is Croatia's largest insurer, now part of the Vienna Insurance Group. It is the market leader in dopunsko (supplemental) health insurance that covers Croatian out-of-pocket costs in the mandatory HZZO public health system, with plans starting from approximately €9/month.

Monthly Premium

€7 - €40

Deductible

€0

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✗Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Widest distribution network in Croatia
✓VIG Group financial stability
✓Affordable supplemental 'dopunsko' plans

Cons

✗Dopunsko supplements public system rather than replacing it
✗International portability limited

Editorial Review

“Croatia Osiguranje's dopunsko market leadership reflects Croatia's unique two-tier health system — the supplemental product that eliminates Croatian co-payments is nearly universal among employed Croatians, and Croatia Osiguranje's distribution strength makes it the natural provider of choice.”

— ExpatInCroatia.com Dopunsko Guide; Pacific Prime Croatia; Total Croatia News