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Post by captainmorgan on Nov 21, 2013 14:43:53 GMT 1
Are there any alternatives (private health care at a reasonable cost) that allows a Croatian Temporary Resident to be covered for Health Care within Croatia/EU
My UK EHIC has expired, and since I am retired and no longer resident in the UK I cannot obtain a new one.
So I need to get health insurance.
Naturally there is the option to get Croatian Government Health Insurance, but I've heard that if you have a health issue, it can take a long time to get into the hospital system for treatment. . . . a bit like the UK waiting lists.
Is there an alternative health insurance available that:
1. Covers me for potential visits to Croatian Doctors/Hospitals
2. Has benefits such as expedited treatment, private health clinic treatments etc.
3. Covers me when traveling in other EU countries
4. Keeps the Croatian Government happy
Thanks in advance for any info:
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Post by Ribaric on Nov 21, 2013 20:25:32 GMT 1
We are in the same boat Captain Morgan. I chose to join up to the Croatian health system which costs me about 40 HRK per month. Unfortunately, since I did so in 2009, I've needed three significant operations and plenty of aftercare. I've not waited more than 2 weeks for anything and although the facilities and environs can be a bit Tito-esque, the core requirements have been met. Nobody lost any papers, I've never had an appointment cancelled and I've never waited more than a couple of hours to be seen. Compared to the UK, I feel this is very good.
There are some things which you'll need to wait for, MMR scans being a typical example. In that case, I just go along to the local private clinic and pay £100 to get one immediately if I desire it.
Sorry for not really answering your question but it did appear to contain a level of fear about the national service. I want merely to say that, in my experience, there's nothing to be scared about. If you add in the monthly costs plus any extra costs (e.g: quicker MMRs etc.,) then that will give you a starting position as to the value of any private scheme quotes you may get.
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Post by Ribaric on Nov 22, 2013 12:48:09 GMT 1
40 kuna per month? You should be so lucky Rib....I think you dropped a zero of the end  Oops! I was thinking 40 quid. Thanks.  |
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Post by captainmorgan on Dec 2, 2013 17:51:26 GMT 1
Thanks guys,
seems that nobody has gone down the route of using private medical care. . .
My girlfriend already has her Croatian health insurance, so we know what to do on that score. We live in Istria, near Pula so perhaps the experiences are different than in the larger cities, but any health care is better than none.
I´ll head down to the local office in the next few days and register with them.
Cheers
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Post by prkbrk on Dec 2, 2013 18:10:00 GMT 1
We took out Sunce for the first year we were here, but the Police did not recognise that as being acceptable for visa purposes, we had also to have health insurance through the govt scheme. Might have changed now, but worth taking the 75 kuna extra Croatia Insurance deal as it reduces/avoids other health costs
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Post by IstriaOutsideMyWindow on Dec 2, 2013 21:41:51 GMT 1
Like prkbrk suggested, it could be a good idea to get the supplementary insurance offered by HZZO in addition to the compulsory insurance.
A representative of Grawe insurance told me that they offer a supplementary insurance which costs a little over 100 Euros a year and includes expedited treatment and other perks. But she told me you can only get this if you already have the compulsory HZZO insurance.
Once you're insured under HZZO, you can ask for the European health card which will cover you in other EU countries.
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Post by captainmorgan on Feb 4, 2014 15:08:07 GMT 1
Like prkbrk suggested, it could be a good idea to get the supplementary insurance offered by HZZO in addition to the compulsory insurance. A representative of Grawe insurance told me that they offer a supplementary insurance which costs a little over 100 Euros a year and includes expedited treatment and other perks. But she told me you can only get this if you already have the compulsory HZZO insurance. Once you're insured under HZZO, you can ask for the European health card which will cover you in other EU countries. So this is the latest saga in the tale of Croatian Bureaucracy: I went to the local office to apply for my Health Insurance, no problem they said..... but first you must provide a letter from the UK stating that you have no UK Health Insurance and have deregistered !! What the *&%^ Does anybody know what the are talking about, where can I get this "letter of deregistration" Thanks - |
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Post by crojoe on Feb 4, 2014 15:38:52 GMT 1
Like prkbrk suggested, it could be a good idea to get the supplementary insurance offered by HZZO in addition to the compulsory insurance. A representative of Grawe insurance told me that they offer a supplementary insurance which costs a little over 100 Euros a year and includes expedited treatment and other perks. But she told me you can only get this if you already have the compulsory HZZO insurance. Once you're insured under HZZO, you can ask for the European health card which will cover you in other EU countries. So this is the latest saga in the tale of Croatian Bureaucracy: I went to the local office to apply for my Health Insurance, no problem they said..... but first you must provide a letter from the UK stating that you have no UK Health Insurance and have deregistered !! What the *&%^ Does anybody know what the are talking about, where can I get this "letter of deregistration" Thanks - If your British then don't go that road to de-reg from the UK or you will be a lot of "$%*@ when you go back, and you'll be worse of then an new immigrant to the UK. Unless your ready to kick the bucket or suffer from lots of sickness then just have passport to hand if when going to the HR hospital. If you have a work permit then you will no doubt be paying health insurance in Croatia. But whatever you do, keep a link back to UK if at all possible. When we did it (now we're Croatian citizens), we just took our passport to the national Croatian health insurance office and they printed out a letter with our name on it that we get free medical due to agreement between UK and Croatia. If your now resident of Croatia then that's a whole new ball game. |
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mijbil
Junior Member
Posts: 29 
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Post by mijbil on Jul 8, 2014 16:30:03 GMT 1
I tried to register with HZZO in Korcula for health insurance the other day. All clear and a sensible rate of some Kn 360/month ?..................no problems. However in order to register me they wanted back payments to the date my "Boravisna Iskaznica" was issued PLUS a 12 month period before that........in my case that was some Kn 8,000 ! Even the HZZO lady thought it was totally illogical but the "law is the law".
Anyone else have experience of such things or is it just me being robbed :-)
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mijbil
Junior Member
Posts: 29
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Post by mijbil on Jul 8, 2014 16:43:12 GMT 1
Like prkbrk suggested, it could be a good idea to get the supplementary insurance offered by HZZO in addition to the compulsory insurance. A representative of Grawe insurance told me that they offer a supplementary insurance which costs a little over 100 Euros a year and includes expedited treatment and other perks. But she told me you can only get this if you already have the compulsory HZZO insurance. Once you're insured under HZZO, you can ask for the European health card which will cover you in other EU countries. So this is the latest saga in the tale of Croatian Bureaucracy: I went to the local office to apply for my Health Insurance, no problem they said..... but first you must provide a letter from the UK stating that you have no UK Health Insurance and have deregistered !! What the *&%^ Does anybody know what the are talking about, where can I get this "letter of deregistration" Thanks - |
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Post by Ribaric on Jul 8, 2014 19:42:48 GMT 1
I had the same mijbil and, sad to say, I had to resort to veza to just join up without all this back pay malarkey. As far a facts go, I believe you don't need Croatian health insurance at all if you have it already in the UK or any other EU state. However, when faced with an insistent official and the police blackmailing you over your visa, facts are not much help. Another fact, it isn't the law but, again, that's not much help either. A friend here went to a lawyer who got it done in a couple of days. That leads to Fact 3... get a bigger gun than the official who is giving you trouble.
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mijbil
Junior Member
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Post by mijbil on Jul 9, 2014 7:59:53 GMT 1
Thanks Ribaric...............off to get myself a "gun" :-). Will keep you posted !
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Post by cornellj on Aug 28, 2014 11:33:55 GMT 1
Anyone have any idea what happens if you don't pay the 8,000 kn? Apart from not being "officially" registered?
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