Expat health insurance in Croatia

Private health insurance is required for many residence permits in Croatia, especially for digital nomads, non-EU students, and newcomers who are not yet enrolled in HZZO.

Yes.

This policy provides visa-compliant private health insurance for Croatia and meets Schengen requirements, including emergency treatment and medical repatriation.

• It is suitable for temporary residence permits and digital nomad stays.

• It is not suitable where mandatory HZZO enrollment is required immediately.

Yes. Croatia requires digital nomads to hold private health insurance for the entire duration of their stay, and this policy is accepted for that purpose. Digital nomads are not required to join HZZO.

Your expat health plan meets MUP's requirements for the EU spouse/family reunification route, including the minimum €30,000 coverage and documentation explicitly labelled "health insurance" (not travel insurance). You're covered before your residence permit is approved and can continue after.

Immediately. Your policy documents will be waiting for you in your Feather account after you finish signing up. You can use these documents as proof of health insurance for your visa or residence permit application.

Expat health insurance has a maximum term limit of five years. This five-year term starts on the first day you arrive in Croatia. For example, if you moved to Croatia on the 1st of January 2020 but signed up for Expat Insurance on the 2nd of June 2021, you can only remain on the policy until the 1st of January 2025.

If you purchase a policy and the policy becomes active within 14 days of purchase, then you have 14 days to cancel your policy from the date of purchase and receive a full refund (as long as no claims were made during this period). However, if you purchase a policy with a start date in the future (over 14 days), then you have any time before the policy becomes active to cancel it and receive a full refund. After this period, you can still cancel anytime! Whenever you cancel, you would then no longer be charged during the next monthly billing cycle.

Yes, you'll have to pay upfront. We suggest paying the doctor or clinic as soon as possible to avoid any late fees. Following that, submit photos of all invoices, receipts, and documents related to the incident in your Feather account to get reimbursed. The reimbursement will be made to you, not to the doctor.

Yes, dependents can be added to your plan. Please note that each dependent will have to have their own policy purchased, but we can add them all under one account for ease of access. To add a dependent, simply: 1. Sign up for expat insurance for yourself first (or for the person you want to be the main policyholder) 2. Once you sign up, log into your Feather account and click on your expat policy. 3. Click 'add dependents', then add the dependent. 4. The basic policy price for dependents under 18 years of age is the same (72 euros).

Yes, expat insurance will cover some dental treatment for new dental conditions requiring pain relief like simple fillings and cleanings. This treatment is covered for up to €500 per year Additional dental treatments like check-ups and teeth cleaning are not covered.

Yes. You can purchase this insurance online before arrival, without a Croatian address, OIB, or residency registration. Your insurance documents are available immediately after sign-up.

It depends on your permit. Employees usually must join HZZO once registered by their employer. Digital nomads and some temporary residents are exempt and can rely on private insurance.

No. This is expat health insurance designed for temporary stays and newcomers. It does not replace HZZO and is not equivalent to long-term Croatian private insurance.

Yes. Non-EU students in Croatia are required to have health insurance when applying for a residence permit, and this policy is suitable for that purpose.

It is commonly used:

• For initial student residence permits
• Before joining student HZZO coverage, where applicable

Once a student is enrolled in HZZO or has other long-term coverage, this insurance is usually no longer needed and can be cancelled.