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Croatia operates a mandatory, state-regulated health insurance system managed by the Croatian Health Insurance Fund (CHIF), known locally as Hrvatski zavod za zdravstveno osiguranje (HZZO). This system forms the foundation of public healthcare in Croatia and is based on the principles of solidarity, equality, and mutual responsibility. For all residents, including foreign nationals, health insurance…
When I moved from Austria to Croatia, I had one big fear: “What happens if I get sick before I understand the system?” Just a few months after arriving, it happened. I was living in Umag and woke up with severe stomach pain. I was still insured in Austria and had no idea how the…
Many international visitors ask: Do doctors in Croatia speak English? In most cases, yes. English is widely spoken among doctors in Croatia, especially in larger cities and tourist regions. Medical education is aligned with European standards, and much professional literature is published in English. As a result, English functions as a working language in many…
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