Do I need travel insurance in the EU? What is covered by the European Health Insurance Card, and what by travel insurance?
European Health Insurance Card:
- covers only emergency interventions, only in public health care facilities in the member states of the EU
- Croatian citizens do not have to cover the co-payment costs in case when they would not have to be covered by citizens of that country
Travel health insurance policy:
- covers all costs of medical treatments, medicine and medical aids for Croatian citizens abroad regardless of the rules and co-payment costs of the health care system of the country providing the service
- covers repatriation costs of the policyholder and other services in accordance with the terms of insurance up to the arranged insurance amount, which are not the scope of insurance ensured by the European Health Insurance Card
- provides assistance in finding the nearest physician or a health care facility, both private and public
- helps overcome language barriers
- informs the policyholder's family of his/her health status
- gives instructions on what to do in case your documents, credit cards or travel ticket are stolen
- in case of unforeseeable events, our assistance will send messages to the local Croatian embassy, pass on messages to your family or company, change hotel, airline or car rental reservations, as well as meeting arrangements according to your instructions