What is “dopunsko” and why you should have this health insurance

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If visiting a doctor within the HZZO network, filling prescriptions or getting non-basic health services like specialty blood tests at the hospital, you’ll be asked “imate li dopunsko?”. If you reply that you do not have it (“nemam”), you’ll likely get this response…


I’ve grown quite tired of getting this response, so I broke down and signed up for it. Truthfully, we should all have dopunsko. Let’s start from the beginning.

In Croatia, there are three types of health insurance:

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

Obavezno is the mandated basic public health insurance that you probably already have if you life here. You must have it to get dopunsko. Dopunsko and dodatno are optional supplemental health insurance policies. If you want to read about dodatno, the highest level of health insurance, hop over here. For more on dopunsko, proceed…

What is dopunsko health insurance?

Dopunsko is a supplemental health insurance policy above and beyond your regular health insurance. If you have only the state health insurance through HZZO, you’ll still be required to make a co-payment in the following situations:

  • Visiting a doctor
  • Filling prescriptions
  • Anything that requires you to go to the hospital including, but not limited to:
    • Non-basic blood and diagnostic tests
    • Specialist appointments
    • Emergency care

Where can I get dopunsko and what does it cost?

Dopunsko is offered by HZZO as well as by private insurers. The price varies depending on the insurer, the additional benefits you choose and your age. The private insurers tend to offer multiple options.

Here are 5 insurers that allow you to sign up online for dopunsko:

PBZ also offers this supplement through Generali, which is a good option if you already have a bank account with them. You’ll need to sign up at a bank branch. Their policy starts from 60 kuna.

Most insurers will give you the option to pay monthly, or to pay annually in one lump sum.

Organ donors and frequent blood donors qualify for a free supplemental policy through HZZO. To qualify, females must make 25 blood donations and males must make 35 blood donations. Once you have donated the minimum number of times, take your blood donation booklet to the HZZO offices and request your free supplementary health insurance.

In addition to organ and blood donors, the following groups also qualify for free dopunsko through HZZO:

What does dopunsko cover?

It reduces or eliminates the co-payment for health services and medications.

Why should I get dopunsko health insurance?

If you need regular healthcare, then you should absolutely have this supplemental insurance. If you have kids, you should have policy for yourself and for each child. I don’t know much about kids, but I hear they tend to get hurt and sick with frequency.

I’ll admit, it took me nearly 7 years to get on board with dopunsko. I figured that since I don’t have kids or any serious health problems, then it didn’t make sense to pay 70 kuna per month when my monthly out-of-pocket health care costs are less than that.

I’ve since learned that is not a good reason at all. If my greatest fear of getting hit by a car in a crosswalk comes to fruition, then dopunsko will save me from paying a single kuna at the hospital.

What happens after I sign up?

You’ll receive an insurance card in the mail. When you go to the doctor or pharmacy next, you’ll present this new card so you can avoid or reduce the co-payment.

A little tip: You may get asked if you have the orange card (“narančasta kartica”) instead of “dopunsko”. The reason is because the HZZO supplement card is orange. However, the supplement cards with private insurers vary in color.

Next time you get asked “imate li dopunsko”, you can say emphatically “IMAM!”.


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6 thoughts on “What is “dopunsko” and why you should have this health insurance

  1. Shane
    April 18, 2019 @ 7:23 pm

    Hi Sara

    I was just wondering if foreigners are eligible to apply for this dopunsko through HZZO if they are only on a family remuneration(spousal) visa for one year as a third party national and are not yet citizens?

    Kind regards


    • Expat in Croatia
      April 27, 2019 @ 12:05 pm

      Hi Shane,

      Anyone living legally in Croatia that is insured can apply for dopunsko through HZZO. It is not only for citizens.




  2. Garrett
    May 14, 2019 @ 5:11 pm

    That’s great. I wasn’t aware of it. It looks like I can sign up straight through the mzaba app for zagrebačka bank as well. Thanks for the post.


    • Expat in Croatia
      May 15, 2019 @ 10:38 am

      Hi Garrett,

      Glad the post was helpful and thanks for following!




  3. Boris
    June 13, 2019 @ 7:30 am

    Hello Sara

    We are three brothers and my wife, Croatian citizens for my grandfather and we want to buy a house in Croatia and live there, but we are between 55 and 65 years old without the possibility of starting work and without the possibility of paying a basic insurance of the state. Can we have medical attention if necessary? Is there a way to start with some kind of coverage of a single minimum payment for all of them together considering that we would be below the level of a basic income?


    Boris from South America


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