Health Insurance

DETAILED INSTRUCTIONS

The Law on Health Insurance, along with bilateral international agreements* on social insurance, stipulates the conditions according to which the insured and other persons have the right to health care and other health insurance rights.

*Agreements on social insurance with other countries

Two forms of health insurance are established:

1. compulsory health insurance
2. voluntary health insurance

For compulsory health insurance, it is necessary to make a request by filling out the form which can be downloaded here.

A list of branches where a request may be submitted, depending on the company’s headquarters or a place of residence.

Online application

The National Health Insurance Fund is a national, public organization for compulsory health insurance.

For the rights to compulsory health insurance determined by the Law on Health Insurance, and in relation with foreign countries, see here.

Voluntary health insurance – in addition to compulsory health insurance, voluntary health insurance is also regulated by Law. It can be formulated and exercised by the National Health Insurance Fund and legal entities engaged in insurance activities, while rights and obligations are regulated by direct contracts between citizens and respective legal entities.

This type of insurance provides the insured person with the difference over the value of health services guaranteed to him or her by compulsory health insurance, i.e. a higher standard of health care services than those prescribed by compulsory health insurance.

LAW ON HEALTH INSURANCE („OFFICIAL GAZETTE OF THE RS“, no. 107/05 and 109/05)

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