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AXA Global, Bupa Global, Allianz Care, Cigna, William Russell, VUMI, IMG, DavidShield Group, and GeoBlue are the top international health insurance companies for expats living in Croatia. These providers offer comprehensive coverage options, global networks, and benefits tailored for foreign residents.
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This guide breaks down the top 10 insurance companies for expats in Croatia, highlighting each provider’s key strengths, coverage limits, and international plan features. Whether you’re relocating for work, retirement, or long-term living, this overview will help you choose the right international health insurance for your needs in Croatia.
Best Global Health Insurance Providers for Expats in Croatia
The nine best insurance companies for expats in Croatia include AXA Global, Bupa Global, Allianz Care, Cigna, William Russell, VUMI, IMG, DavidShield Group, and GeoBlue. These insurers offer some of the most comprehensive policies for expats looking for coverage.
Best Insurance companies in Croatia for expats:
- AXA Global
- Bupa Global
- Allianz Care
- Cigna
- William Russell
- VUMI
- IMG International
- DavidShield Group
- GeoBlue
AXA Global Healthcare Plans in Croatia for Expats
AXA Global Healthcare is a renowned brand with over 50 years of experience offering insurance solutions to more than 95 million clients in 50 countries. This makes AXA a great choice for expats in Croatia looking for wide coverage and flexibility in their health insurance plans.
AXA’s international insurance plans include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. The annual plan limits range from US $160,000 to US $8,000,000. The key features of their international health insurance plans are:
- Experienced 24/7 personal support
- Evacuation and repatriation coverage
- Ambulance transport
- Telehealth service
- CT, PET, and MRI scans
- Rapid claims repay
- Second medical opinion
- Cancer Treatments
- Mind Health Support
- Inpatient hospital charges and surgeries
Below is a table of comparison showing the maximum annual limits for AXA’s international health insurance plans:
|
Foundation |
Standard | Comprehensive | Prestige |
Prestige Plus |
|
| Annual Benefit Limit: | US $160,000 | US $1,600,000 | US $2,400,000 | US $3,200,000 | US $8,000,000 |
Bupa Global Health Coverage for Expats in Croatia
Bupa Global is one of the top insurance companies in Croatia. Their localized customer service and 24/7 medical help through Bupa’s Global Virtual Care make them a great option for expats.
All Bupa policyholders can enjoy excellent benefit provisions across all plan tiers, including:
- Extensive network of providers
- Direct billing
- Customized insurance plans
- Second medical opinions
- Lifetime renewal
- Direct access to specialists without referral
- Coverage for two children under 10 at no additional cost
- Online and in-app access to support services through MembersWorld
The table below shows the annual plan limit and the coverage of Bupa’s international health insurance for expats:
|
Bupa Global Health Plans Compared |
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| Private Hospital Room Coverage | Medical Repatriation Coverage | Medical Evacuation Coverage | Outpatient Prescriptions | |
| Major Medical | Yes | Yes | Yes | No |
| Select | Yes | No | Yes | Yes |
| Premier | Yes | No | Yes | Yes |
| Elite | Yes | Yes | Yes | Yes |
Allianz International Health Insurance for Expats in Croatia
As a world-leading health insurance provider, Allianz Care is one of the top choices for expats in Croatia looking for international health insurance plans. The core international health insurance plans Allianz Care offers include the Care Plan, the Care Plus Plan, and the Care Pro Plan.
Among the international plans available, the Care Pro Plan offers the most comprehensive coverage with the highest limit of US $5,000,000. Below is a table of comparison showing the limits and core coverage of each plan:
|
Allianz Care Expat Health Insurance Plans Comparison |
|||
|
Benefits Coverage |
Care Plan | Care Plus Plan |
Care Pro Plan |
| Maximum Plan Limit | US $2,500,000 | US $4,000,000 | US $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care | ✓ | ✓ | ✓ |
| Medical Evacuation | ✓ | ✓ | ✓ |
| Preventive Surgery | ✗ | ✗ | US $40,500 |
| Emergency Out-Patient Treatment | US $338 | US $1,015 | US $1,015 |
Cigna Global Health Insurance for Expats in Croatia
Cigna Global is a leading insurance provider providing policies in over 200 markets and territories around the world. The four core international health insurance plans Cigna Global offers include Silver, Gold, Platinum, and Close Care.
Among the four core international health insurance plans, the Close Care plan acts more like a local plan and only provides coverage in your country of residence. As such, the benefits and annual limit are not as comprehensive as the other plans offered.
Cigna Global International Health Insurance Plans table of core benefits:
|
Cigna Health Insurance Plans: Core Benefits (USD) |
||||
|
Coverage Benefits |
Silver | Gold | Platinum |
Close Care |
| Annual Limit Amount | USD $1,000,000 | USD $2,000,000 | Unlimited | USD $500,000 |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence |
| Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
| Hospital Accommodation for Parent or Guardian | USD $1,000 | USD $1,000 | Paid in full | Not Covered |
| Pandemics, Epidemics, and Outbreaks of Infectious Diseases | Paid in full | Paid in full | Paid in full | Paid in full |
| Inpatient Cash Benefit | USD $100 | USD $100 | USD $100 | USD $100 |
| Accident and ER Treatment | USD $500 | USD $1,000 | USD $1,200 | Not Covered |
| Advanced Medical Imaging | $10,000 | $15,000 | Paid in full | USD $2,500 |
| Rehabilitation | USD $5,000 | USD $10,000 | Paid in full | USD $2,000 |
| Home Nursing | USD $2,500 | USD $5,000 | Paid in full | Not Covered |
| Ambulance Services | Paid in full | Paid in full | Paid in full | Paid in full (road only) |
| Out-of-Area Emergency Hospitalization | USD $100,000 | USD $250,000 | Paid in full | USD $40,000 (for temporary trips out of the country) |
William Russell’s Flexible Insurance Options in Croatia for Expats
William Russell is a great option for expats in Croatia Looking to get insured. Known for providing comprehensive and customizable international health insurance, expats can choose between the four available tiers: Bronze, Silver Lite, Silver, and Gold.
From inpatient and outpatient treatments to wellness and maternity benefits, William Russell’s international health insurance will have coverage for all these expenses up to the policy limit. Below are the core insurance coverage for the four tiers:
|
Benefits Coverage |
Bronze | Silver Lite | Silver |
Gold |
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Treatments | ✓ | ✓ | ✓ | ✓ |
| Advanced Diagnostic Tests | ✓ | ✓ | ✓ | ✓ |
| Emergency Medical Evacuation | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
| Lifetime Limit for Mental Health Treatment | US $50,000 | ✗ | US $75,000 | US $100,000 |
VUMI Global Flex VIP Plans for Expats in Croatia
Expats in Croatia can choose between the five different tiers (Basic, Standard, Superior, Ultra, and Total) that VUMI offers for their international health insurance policy, the Global Flex VIP plan for expats.
All the Global Flex VIP plans include inpatient benefits including:
- Standard private hospital room fully covered
- Fully covered intensive care unit stays
- Accommodations for an adult accompanying an insured child under age 18 during the child’s hospitalization
- Medications prescribed while in the hospital are fully covered
- Psychiatric treatments are fully covered for up to 30 days
Eligibility and special conditions expats need to know when applying for Global Flex VIP plans:
- Applicants must be aged 74 years or younger
- Declared pre-existing conditions may be covered. This benefit will be evaluated during underwriting.
- HIV-AIDS may be covered by VUMI’s Global Flex VIP Plans after a 36-month waiting period with a benefit limit of up to USD $50,000.
- Routine maternity coverage has a 12-month waiting period through VUMI’s applicable Global Flex VIP Plans.
- Injuries that occur while training or practicing hazardous sports and hobbies are excluded from coverage.
Below is a table showing the annual benefit limits of each tier in the Global Flex VIP Plans:
|
Global Flex VIP Plan |
Annual Benefit Limit (USD) |
| Basic | $3,000,000 |
| Standard | $3,500,000 |
| Superior | $4,000,000 |
| Ultra | $4,500,000 |
| Total | $5,000,000 |
IMG International Health Plans for Croatia-Based Expats
IMG Global Health’s international health insurance plan is available in four different categories of coverage: Bronze, Silver, Gold, and Platinum. Lifetime limits vary across these plans, with a maximum limit of up to USD $8,000,000 per individual.
All IMG Global international health insurance plans have a non-renewable lifetime limit. As such, the premium is more affordable than other insurance companies; those looking to relocate may want to consider more sustainable plans.
The benefits provided by IMG are comprehensive, with coverage for inpatient, prescription coverage, cancer treatment, and medical emergencies. You can also opt to add riders such as dental, vision, maternity, and even sports coverage depending on your plan level.
Here’s a comparison of the core benefits provided by IMG’s international health insurance of different tiers:
|
IMG Health Insurance Plans Benefits Comparison |
||||
|
Benefits Coverage |
Bronze | Silver | Gold |
Platinum |
| Physician Visits | ✓ | ✓ | ✓ | ✓ |
| Hospitalization room/board | ✓ | USD $600 per day; 240 days max | ✓ | ✓ |
| Surgery | ✓ | ✓ | ✓ | ✓ |
| Labs & X-rays | ✓ | ✓ | ✓ | ✓ |
| Physical therapy | ✓ | ✓ | USD $50 Maximum limit per visit | USD $50 Maximum limit per visit |
| Outpatient Surgery | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
DavidShield Group Insurance and PassportCard Benefits in Croatia for Expats
DavidShield Group is a leading international private medical insurance provider in the insurance industry providing services to customers in over 150 countries. Leveraging their strategic alliances with healthcare providers worldwide, they are one of the top options in Croatia for expats.
DavidShield offers policyholders extensive medical coverage and their smart card, the DavidCard, which allows policyholders to make payments for healthcare services without out-of-pocket payments.
For policyholders with USA & worldwide coverage, cost-sharing options are also available to optimize your experience during the policy lifetime.
DavidShield Group also offers the PassportCard. This is a great insurance option for expats in Croatia due to how easily policyholders can make claims and have them settled in real time, eliminating the need for out-of-pocket payments, complicated claim forms, and lengthy approvals.
Benefits of PassportCard insurance plans:
- Instant Payouts: When seeing a doctor abroad, policyholders can dial the number on the back of their PassportCard. The system will calculate the costs instantly and transfer the money straight onto your card, which can then be used like a normal debit card when accessing medical care.
- No Paperwork Required: PassportCard is the only travel insurer that can settle claims in real-time.
- Re-activation: To activate the PassportCard, all policyholders need to do is contact the insurer before going abroad to activate the policy for a set length of time. This step can be repeated every time you go abroad.
GeoBlue Xplorer Health Insurance Options for Expats in Croatia
GeoBlue offers the Xplorer Essential and the Xplorer Premier expat health insurance plans that offer comprehensive international health coverage with an extensive network of providers across over 180 countries including Croatia.
One of the key differences between the two plans is coverage in the US. The Xplorer Premier comes with comprehensive medical benefits internationally including the US. On the other hand, the Xplorer Essential plan offers US coverage as an add-on.
For expats who don’t plan to visit or return to the US, the Xplorer Essential is a great option to get access to international coverage.
Whilst the coverage for both plans differs, all GeoBlue members have access to the following benefits outside of the US:
- Unlimited telemedicine visits
- Optional dental and vision coverage
- Immediate coverage of pre-existing conditions with proof of previous coverage
- A waived deductible for prescriptions, office visits, and preventative care
Both the Xplorer Essential and the Xplorer Premier plan feature a range of deductible options providing you with effective solutions to manage your premium costs.
|
Xplorer Plans USA Coverage Comparison |
||
|
Xplorer Essential w/ Add-on |
Xplorer Premier |
|
| Medical Maximum Benefit Amount | USD $1,000,000 | Unlimited |
| Coverage Duration within the United States (for US Citizens) | Maximum of three trips per calendar year, 21 days per trip | Capped at 9 months |
| Preventative Care within the USA | Not Covered | Yes |
| Ability to Travel to the USA for Treatment | No | Yes |
| Outpatient Prescription Drug Coverage | USD $1,000 for prescriptions only related to emergency medical care, illness, and accidental injury | USD $2,500 for Basic Benefit Package, USD $25,000 with Enhanced Prescription Upgrade |
| Outpatient Mental Health Benefits within the USA | Not Covered | In-network: 100% after $30 copay; Out-of-network: 60% |
| USA Benefits for Covered Pre-existing Conditions | USD $500 | Unlimited |
| Co-pay for each USA In-Network Physician Office Visit (USD) | $50 | $30 |
Frequently Asked Questions
Is health insurance mandatory in Croatia?
Health insurance is mandatory for all residents in Croatia, this includes expats. While public health insurance is available to expats, it is recommended that expats secure their own private health insurance as it provides access to better healthcare facilities that support multiple languages.
What factors should expats consider when choosing an insurance company in Croatia?
When choosing an insurance company, expats should consider factors including the reputation and reliability of the company, the claims process, a network of providers, customer service, and coverage options.
Conclusion
The pleasant Mediterranean climate, beautiful natural landscapes, and well-developed healthcare system make Croatia a wonderful place for expats. However, it is important to stay insured when working in any foreign country to avoid unnecessary expensive out-of-pocket payments.
Expats who are already working in Croatia or are thinking about relocating to the country should consider securing an international health insurance policy for peace of mind knowing you will have access to quality healthcare services wherever you go.
If you are interested in securing an international health insurance plan, check our guide on the top 10 international health insurance providers for international health insurance plans and information on some of the best providers.
Whether you’re planning to relocate to Croatia, the Netherlands, or India, Pacific Prime can help you find an insurance plan that is right for you. With over two decades of experience in the industry, our expert advisors will find a plan that suits your needs, requirements, and budget.
Contact us today for a free plan comparison and an obligation-free quote!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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