HZZO Student Insurance
~€15/month
Best for: Students enrolled at Croatian universities
Register at HZZO office. Covers public healthcare: GP, hospital, emergency, specialists.
Learn more
Health Insurance for Students in Croatia
Very affordable! HZZO student rate ~€15/month or private from €20/month. EU students can use EHIC for free access.
5 requirements 3 plan options 5 setup steps
Compare Plans Insurance Requirements
- Health insurance mandatory for all students in Croatia
- Students enrolled at Croatian universities can register with HZZO (Croatian Health Insurance Fund)
- EU/EEA students with EHIC can access Croatian healthcare for free
- Non-EU students need proof of insurance for visa and residence permit
- HZZO student rate ~€15/month for Croatian public healthcare
Available Insurance Options
Private Health Insurance (Basic)
From €20/month
Best for: Students preferring private clinics or not enrolled at Croatian universities
Covers emergencies, hospital care, GP visits. Accepted for residence permit.
Learn morePrivate Health Insurance (Comprehensive)
€30–€60/month
Best for: Students wanting premium private care with dental and faster access
Full private coverage with English-speaking doctors, dental, optical, private hospitals.
Learn moreCost Overview
| Item | Cost | Details |
|---|---|---|
| HZZO Student Rate | ~€15/month | Very affordable public healthcare access for students |
| Private Insurance (Basic) | From €20/month | Emergency and basic medical coverage |
| Private Insurance (Comprehensive) | €30–€60/month | Premium care with private hospitals and specialists |
| Doctor Visit (Public) | Free with HZZO | Public healthcare free with HZZO registration. Small prescription co-pays. |
Item
HZZO Student Rate
Cost
~€15/month
Details
Very affordable public healthcare access for students
Item
Private Insurance (Basic)
Cost
From €20/month
Details
Emergency and basic medical coverage
Item
Private Insurance (Comprehensive)
Cost
€30–€60/month
Details
Premium care with private hospitals and specialists
Item
Doctor Visit (Public)
Cost
Free with HZZO
Details
Public healthcare free with HZZO registration. Small prescription co-pays.
Visa & Insurance Requirements
- Student residence permit requires proof of health insurance
- EU students: EHIC sufficient
- Non-EU students: HZZO registration or private insurance certificate required
- Insurance must cover entire stay duration
- Minimum €30,000 medical coverage recommended for visa
How to Get Insured
Apply for Student Visa
Submit visa application with proof of insurance (EHIC for EU, or declaration to register with HZZO/private insurance for non-EU).
Enroll at Croatian University
Complete university enrollment. You'll need enrollment certificate for HZZO registration.
Register with HZZO
Visit local HZZO office with enrollment certificate, passport, and residence permit. Pay student rate (~€15/month).
Receive HZZO Card
Your Croatian health insurance card arrives by mail. Use this when visiting doctors or hospitals.
Choose a GP (Liječnik Opće Prakse)
Register with a family doctor (liječnik opće prakse/obiteljski liječnik) near your accommodation.
Student Health Insurance in Croatia
Croatia offers very affordable healthcare for international students. Students enrolled at Croatian universities can register with HZZO (Hrvatski Zavod za Zdravstveno Osiguranje) — Croatia’s public health insurance — for just ~€15/month.
HZZO — Croatian Public Health Insurance
Students at Croatian universities can register with HZZO for ~€15/month. This grants access to:
- GP visits (liječnik opće prakse / obiteljski liječnik)
- Hospital treatment (public hospitals)
- Emergency care (hitna pomoć)
- Specialist consultations
- Prescription medications (small co-pays)
To register, visit your local HZZO office with your enrollment certificate, passport, and residence permit.
EU Students with EHIC
EU/EEA students can use their European Health Insurance Card (EHIC) to access Croatian public healthcare completely free. EHIC provides the same coverage as Croatian citizens.
Private Health Insurance
If you prefer private care or are not enrolled at a Croatian university, private insurance starts from €20/month. Private insurance offers:
- Faster appointments
- English-speaking doctors
- Modern private clinics
- Dental and optical coverage (comprehensive plans)
Popular providers include Croatia osiguranje, Allianz, and private clinic networks like Poliklinika Bagatin.
Why Croatia?
With over 15,000 international students, Croatia offers beautiful coastal cities like Dubrovnik, Split, and Zadar, alongside vibrant student hubs like Zagreb and Rijeka. Enjoy Mediterranean lifestyle, stunning Adriatic coastline, affordable living costs, and very accessible healthcare.
Frequently Asked Questions
Can EU students use EHIC in Croatia?
Yes, EU/EEA students with EHIC can access Croatian public healthcare (HZZO) for free, including doctor visits, hospital treatment, and emergency care.
How much does HZZO cost for students?
HZZO student insurance costs approximately €15/month, making it one of Europe's most affordable public healthcare options.
What does HZZO cover?
HZZO covers GP visits, hospital treatment, emergency care, specialist consultations, and prescription medications (with small co-pays).
Should I choose HZZO or private insurance?
HZZO is more affordable (€15/month) and provides access to public healthcare. Private insurance (from €20/month) offers faster access and English-speaking doctors.
How do I see a doctor in Croatia?
With HZZO: Visit your registered family doctor (liječnik opće prakse). For emergencies, call 194 (ambulance) or visit hitna pomoć (emergency room).
Ready to Study in Croatia?
Register with HZZO for affordable coverage or explore private insurance for premium care.
Compare Plans