Insurance requirements for studying in Croatia as an international student or PHD Candidate

Insurance information for Croatia

If you are going to study and live in Croatia, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.

Students from EU/EEA countries

Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance. EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.

Some countries have health care agreements with Croatia: Montenegro, Turkey, Bosnia and Herzegovina, Serbia, and Macedonia. Students from these countries should get in touch with their public health care providers prior to entering Croatia to get the document that allows them to obtain health care/medical assistance in Croatia

Students from outside the EU/EEA

Students are obliged by must get insurance through the Health Insurance Fund of Croatia (HZZO) after arriving the country. For more information, you can visit the official website of the Croatian Health Insurance Fund (HZZO).

Insurance, that's difficult, right?

No worries, we've got you covered. Together with our partner Aon, we are going to make sure you get the perfect insurance package. Your study abroad adventure will be awesome, but insured for all risks, including health care.

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Is this enough?

It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered HZZO health insurance will probably not cover:

  • (Additional) medical costs
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid
  • Worldwide cover

You will need an insurance policy also covering, but also arranging for you, for example:

It is important to understand that the EHIC or insurance through HZZO is not always enough and that local mandatory health insurance will probably not cover:

  • (Additional) medical costs,; i.e. dental, and the co-payments applying(*)
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid
  • (*) co-payment means that you will have to pay a certain amount or percentage for certain medical treatments, medicines etc. This can be a very high amount.

Free quote from Aon

Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.

About Croatia

In comparison to its Western counterparts, Croatia offers great value for money. University tuition fees are affordable and living costs are below the European average. The local government also provides scholarships and bilateral agreements to attract international students. English is not only used as an instructional language in classes but also widely spoken in cities like Zagreb, Rijeka, and Istria. This is partly due to the thriving tourism industry, ensuring effective communication. To unwind, explore the country, visit national parks, discover ancient palaces and ruins, and enjoy the beautiful sandy beaches.

Croatia