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Croatia

HR

Healthcare System

Croatia operates a mandatory health insurance system through the HZZO (Hrvatski zavod za zdravstveno osiguranje — Croatian Health Insurance Fund). All employed and self-employed individuals, as well as pensioners, pay mandatory health insurance contributions. The HZZO contracts public and some private providers. Croatia joined the EU in 2013 and adopted the euro in 2023. Medical tourism is growing, particularly for dental and cosmetic procedures.

System Type
Mandatory social health insurance (Bismarck model), EU member state
Regulatory Body
HALMED (Hrvatska agencija za lijekove i medicinske proizvode — Croatian Agency for Medicinal Products and Medical Devices). Ministry of Health (Ministarstvo zdravstva) — health policy and public health. EMA for centralized EU drug approvals.
Data Protection
GDPR (EU) + Croatian Personal Data Protection Act (Zakon o zaštiti osobnih podataka); AZOP (Agencija za zaštitu osobnih podataka)
Currency
EUR
Emergency Number
112, 194 (ambulance)
Languages
hr

Coding Systems

diagnosis

MKB-10 (ICD-10 WHO Croatian translation)

ICD-10 WHO standard, known in Croatia as MKB-10 (Međunarodna klasifikacija bolesti i srodnih zdravstvenih problema, 10. revizija). Used for HZZO billing and hospital reporting. Identical codes to WHO ICD-10.

dental

FDI (ISO 3950)

FDI two-digit notation standard in all clinical settings. Croatia has no separate dental coding system.

procedures

DRG-HR

Diagnosis-Related Group system for hospital payment by HZZO. DRG-HR groups similar patients for hospital reimbursement. ICD-10 diagnoses and procedure codes used as input.

drugs

HALMED registration number / EAN

Drugs authorized by HALMED (Croatian Agency for Medicinal Products and Medical Devices) receive a registration number. EAN (barcode) used for pharmacy dispensing. HZZO reimbursement list (popis lijekova) published by HZZO.

Translation Corridors

HR→DE (Croatian workers in Germany — HZZO records for German GKV or private insurer) HR→AT (Croatian workers in Austria — HZZO records for Austrian ÖGK) HR→AU (Croatian-Australian patients) HR→CH (Croatian workers in Switzerland) DE→HR (German medical tourism to Croatia — dental, cosmetic surgery, rehabilitation) AT→HR (Austrian medical tourism to Croatia)

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