European Health Insurance Card Croatia - What Does It Cover?
As a member of the Croatian Health Insurance Fund (CHIF), you can get a European Health Insurance Card Croatia, which lets you use health care services in EU member states, Norway, Iceland, Lichtenstein, and Switzerland while you are there on a short-term basis.
If you are covered by the CHIF and get sick, hurt, or in an accident during a temporary stay in another European Union (EU) member state, state of the European Economic Area (EEA - Norway, Iceland, and Lichtenstein), or, as of January 1, 2017, Switzerland, an EHIC gives you the right to health care that cannot wait until your planned return to Croatia, which will be paid for by the CHIF.
EHIC pays for the medical care you need outside of your home country. Medical problems that can't wait until you get back to Croatia or your home country are considered to be emergencies. The doctor at the hospital overseas will decide if your situation is an emergency or not.
Emergency health care can also help with chronic or already-existing diseases, even if you aren't traveling to treat them. One example is checking your blood pressure. Pregnancy and giving birth are also covered, even if giving birth is not the reason for your temporary stay abroad.
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Dialysis, oxygen therapy, and asthma treatments are a few more examples of emergency health care services. Before you go to a doctor abroad to get these services, though, you must make a deal with the healthcare institution there.
A European Health Insurance Card pays for emergency medical care that can't wait until you get back to Croatia. This is determined by a doctor at the medical facility you went to for help outside of Croatia.
Emergency health care also includes services related to chronic or pre-existing illnesses, like a blood pressure check, if the goal of your trip is not to get treatment for these illnesses, or services related to pregnancy and child birth if the goal of your temporary stay abroad is not to give birth.
Also, emergency health care services include dialysis, oxygen therapy, and asthma treatments. However, to use these services, you need to make plans ahead of time with the healthcare facility in the country you plan to visit.
An EHIC is not a replacement for travel insurance, and it does not pay for planned medical care. An EHIC can be used directly at contractual health care providers under the same conditions and for the same price as if you had insurance in the country where you are staying, with the requirement of co-participation if this is paid by insured people in the country where you are staying.
To get a card, you must either go to the CHIF's regional or branch office in person or fill out an application through e-Citizens.
With the mandatory health insurance card of the insured person, you can also apply for an EHIC at a queue machine, which is a system for managing electronic lines.
You can find queue machines in the CHIF's regional offices in Zagreb at Klovieva 1 and Jukieva 12, in Split at Obala Kneza Branimira 14, in Rijeka at Slogin kula 1, and in Osijek at Kapucinska 33. You will be able to get an EHIC right away if you use a queue machine.
You don't have to pay for these cards, but you do have to be signed up for the required health insurance in order to get one. Also, there is no extra fee for getting medical care abroad, which is sometimes called "travel insurance."
A European Health Insurance Card is good until the date on it, which is usually three years from the date it was issued. You can ask for a new card 30 days before the current one runs out, and if you stop being an insured person, you have to give the card back to the CHIF.
If you have an EHIC already, it will still work as long as it is still valid. If you need medical care while traveling and have a GHIC or EHIC card, the state will pay for it. All care is given on the same terms as for Croatian citizens.
As a member of the EU, Croatia accepts the European Health Insurance Card (EHIC). So, if you're a citizen of an EU country and you want to move to Croatia, you should definitely get an EHIC.
In order to get an EHIC in Croatia, you must have obvezno, which is the Croatian word for mandatory state health insurance.
With an EHIC, you can use contracted healthcare providers abroad just like you would if you had insurance in the country where you are staying. This means you might need to pay for some services.
European Health Insurance Card Croatia covers the cost of any urgent medical care that a doctor at the medical facility abroad says can't wait until your planned trip back home.
Urgent health care also includes care for chronic or preexisting diseases, like high blood pressure, as well as care for pregnancy and childbirth, as long as the reason for your trip is not to give birth.
Also, urgent health care services include dialysis, oxygen therapy, and asthma treatments. However, you should make a deal with the healthcare facility in the country you will be visiting.