Insurance requirements for studying in Croatia

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.

EU citizens should be in possession of a European Health Insurance Card (EHIC) when going to Croatia. 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 or the United Kingdom under the same conditions and at the same cost (free in some countries) as people insured in that country. Your EHIC can be issued by your national health insurance provider.

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 countries that do not have a health care agreements with Croatia 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).

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
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid

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

When compared to its Western counterparts, Croatia is a bargain. Tuition fees at universities are affordable, and living costs are below the European average. The local government also offers various scholarships and bilateral agreements to attract international students.

You’ll discover that English isn’t only used as an instruction language in classes but also as a popular foreign language in cities like Zagreb, Rijeka, and Istria. Tourism is definitely one of the main reasons behind this, but it’s good to know communication shouldn’t be an issue.

To relax and unwind, you can travel around the country, visit national parks, discover old palaces and ruins, and enjoy the popular sandy beaches.