What is dodatno health insurance?

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Surgery covered by dodatno
Image by Grawe

In Croatia, there are three types of health insurance:

  1. Obavezno zdravstveno osiguranje – public basic health insurance
  2. Dopunsko zdravstveno osiguranje – private supplemental health insurance
  3. Dodatno zdravstveno osiguranje – private supplemental health insurance

Obavezno health insurance is mandatory and prescribed by the state agency HZZO. It is required for all residents in Croatia.

Dopunsko is an optional supplement insurance that covers expenses related to uputnica (medical referrals), certain medicines, orthopedic aids, certain dental aids, and some hospital health care costs. You can learn more about dopunsko here.

Dodatno is also an optional supplement insurance focused on preventive medicine, diagnostics, and specialist treatments. To get it, you must have obavezno osiguranje (state health insurance) through HZZO because this supplement is considered an upgrade of obavezno.

In this post, we’ll cover:

  • What is dodatno?
  • What does dodatno cover?
  • Where to buy dodatno?

What is dodatno health insurance?

Dodatno is an optional health insurance supplement that you can purchase on top of the basic state health insurance. This policy is focused on prevention and treatment of health problems and diseases.

This type of supplement gives you access to additional medical services such as:

  • Sistematski pregled (general medical examination)
  • Laboratorijske pretrage (laboratory examinations)
  • Specijalistički pregled (specialist examinations)
  • Dijagnostičke obrade (diagnostic treatments)
  • Mali operativni zahvati (small surgery procedures)
  • Ambulantna fizikalna terapija (ambulance physical therapy)

These medical examinations can be done at a hospital or private clinic authorized by your insurance provider. Even though you must go to a facility within the network, you will avoid waiting lists and, in most cases, receive a higher level of care.

What does this policy cover?

What is covered and/or offered all depends on the specific policy that you’ve purchased. Some policies cover only certain types of examinations. When purchasing this type of supplement, you choose what you want covered, which affects the price.

People insured by dodatno have more rights and privileges than those insured only by basic health insurance or a combination of basic and dopunsko.

Generally speaking, dodatno is used to:

  • Avoid the necessity of “uputnica” for further medical treatments
  • Prevent diseases
  • Eliminate waiting lists for examinations, specialists and hospital treatments

Dodatno covers one general medical examination (called “sistematski pregled”) per year, or two when needed. This examination identifies abnormalities in your body before symptoms of clinical diseases appear. It is used for prevention and early detection of diseases.

If a particular disease is detected, additional medical examinations will be needed such as specialist examinations, diagnostic treatments or laboratory examinations. In this case, dodatno will cover all the costs of these additional medical examinations.

In addition, you won’t need to collect dust on a waiting list with everyone else. You can take the medical examination immediately. Not having to wait alone is a major advantage because waiting lists in Croatian hospitals can last up to 2 years.

Too often people without money must wait for a certain examination for too long, giving their disease time to spread to a point where it is too late once they make it to the front of the line.

Where to buy dodatno?

Dodatno can be purchased from private insurance companies and certain banks.

These health insurance companies offer dodatno:

These banks offer dodatno:

If you don’t see your bank on this list, just ask them if they over this supplement health insurance. Chances are they do; it is just not listed on their web site.

The price can range from 500 to more than 7000 kuna or more per year, depending on the services you select, your health situation and your age. In Croatia, it is uncommon to have dodatno due to the additional cost. About ~83% of Croats own dopunsko, but only ~18% own dodatno.

Each type of health insurance (basic, dopunsko, dodatno) each cover certain types of medical services. Having all three will offer the best health insurance coverage for the lowest cost. This combination guarantees the best possible treatment in hospitals and health coverage.

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4 thoughts on “What is dodatno health insurance?

  1. Sonja
    February 18, 2020 @ 7:56 pm

    Hi, are you sure that for dodatno osiguranje you pay only 500 to 1.000 kuna per year? I think it’s Euro? At least that’s what I pay for my “dodatno”.
    Kind regards from Kvarner.
    Sonja

    {reply}

    • Expat in Croatia
      February 25, 2020 @ 1:51 pm

      Hi Sonja,

      We did mean kuna, not euro. However, we did make an adjustment to make it 500 to more than 3000 kuna per year. Ultimately, it all depends on the services that someone selects for their dodatno that determines the cost, which is noted in the post.

      Regards,

      Sara

      {reply}

  2. Sonja
    February 26, 2020 @ 4:42 pm

    Hi Sara,
    sorry to contradict you, but the tariffs you stated are certainly right for young and healthy people. But if you opt for full covering, had some serious health problems in the past and are more than 65 years old, then it will cost definitely more than 3.000 Kuna per year. I know this from my own experience. The basic annual tariff in my case would be about 220 € (approx. 1.680 Kuna), the premium version, which covers all check-ups and guarantees me a short waiting list for specialists and expensive examinations. For this I have to pay 960 € p.a. (approx. 7.100 Kuna).

    Of course I am also covered by HZZO and dopunsko, and normally I go to my family doctor who is not only a very nice lady but also absolutely competent . If necessary she issues an “uputnica” to a specialist, and normally I get an appointment within 3-4 weeks. You must take into consideration that I’m not living in a big city, but in a village without any doctors, and that specialists come only once a month to the “dom zdravlja” of our district town.
    But now I need MRT and most probably a neurosurgical operation, and the waiting list in the next university clinic is about 8-9 months. In this case I am happy to have chosen also dodatno insurance. My insurance agent will procure me an appointment within a few weeks.

    Regards,
    Sonja

    {reply}

    • Expat in Croatia
      March 2, 2020 @ 3:16 pm

      Hi Sonja,

      Thank you for sharing your situation! Yes, the cost of dodatno varies from person to person certainly.

      Regards,

      Sara

      {reply}

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