Health insurance26. 9. 2026.
Supplementary health insurance
Croatia osiguranje · Croatia osiguranje publicly offers supplementary health insurance.
Publicly verified
The official homepage lists it among the health insurance products.
DOPUNSKO · NEUTRALNA USPOREDBA
HZZO or private supplementary health insurance?
Compare HZZO supplementary cover with private policies by price, activation, use and documents — without ranking a 'best' choice.
SUPPLEMENTARY PRICES BY AGE
How much does supplementary cover cost at your age?
Enter your age: the table shows each provider's officially published monthly price for that age. Cover differs – the B drug list, waiting period and extras are not the same.
| Provider | Monthly | Yearly | B drug list | Waiting period | Note | Source |
|---|---|---|---|---|---|---|
| WienerSupplementary Classic | Monthly7,00 €7,50 €10,50 €13,00 €23,00 €not available at this age | Yearly84,00 €90,00 €126,00 €156,00 €276,00 € | B drug listIn the B150 package | Waiting period15 days | NoteThe B150 package with the B list up to €150 costs more; 5% off for one-off payment.Prices by age band
| Sourcewiener.hr – letak ↗ |
| AllianzSupplementary – Osnovni (basic) | Monthly7,50 €8,50 €12,00 €14,50 €26,00 €not available at this age | Yearly90,00 €102,00 €144,00 €174,00 €312,00 € | B drug listIn the Prošireni (extended) package | Waiting period— | NoteRegular price; new clients pay less in the first year (e.g. €6.50 for 18–30).Prices by age band
| Sourceallianz.hr – dopunsko ↗ |
| GeneraliSupplementary health insurance | Monthly9,58 €14,00 €17,08 €18,75 €40,25 €not available at this age | Yearly115,00 €168,00 €205,00 €225,00 €483,00 € | B drug listYes, up to €200/year | Waiting period— | NoteB drug list up to €200 a year included; 5% off for annual payment; available up to age 65.Prices by age band
| Sourcegenerali.hr – dopunsko ↗ |
| Agram lifeSupplementary + additional | Monthly9,08 €9,92 €12,42 €15,75 €23,25 €25,75 €not available at this age | Yearly109,00 €119,00 €149,00 €189,00 €279,00 €309,00 € | B drug listAdd-on | Waiting period15 days | NotePublished annual premium divided by 12; 10% off for one-off payment.Prices by age band
| Sourceagramlife.hr – dopunsko ↗ |
| HZZOSupplementary health insurance | Monthly15,00 €not available at this age | Yearly180,00 € | B drug listNo | Waiting period15 days; no wait if the previous policy ended at most 30 days earlier | NoteSame price at every age; €180 a year from 1 Feb 2026. | Sourcedzo.hzzo.hr ↗ |
| TriglavSupplementary unlimited | Monthlyfrom 6,95 €not available at this age | Yearlyfrom 83,40 € | B drug listFrom €10 a month, up to €160/year | Waiting period15 days (B list 30 days) | NoteOnly a starting price is published. | Sourcetriglav.hr – dopunsko ↗ |
| Croatia osiguranjeSupplementary Start | Monthlyfrom 9,29 €not available at this age | Yearlyfrom 111,48 € | B drug listAdd-on from €2 | Waiting period15 days; not applied when switching | NotePrice depends on age; per-age prices are only published as an image – the starting price is shown. | Sourcecrosig.hr – dopunsko ↗ |
| UNIQASupplementary A / A+B | Monthlynot published | Yearlynot published | B drug listIn the A+B package | Waiting period15 days; no wait if the previous policy ended at most 30 days earlier | NotePrices are not published on the official pages; 5% off when buying online. | Sourceuniqa.hr – dopunsko ↗ |
| MerkurSupplementary health insurance | Monthlynot published | Yearlynot published | B drug list— | Waiting period15 days | NotePrices are not published on the official pages. | Sourcemerkur.hr – dopunsko ↗ |
Sorted by monthly price for the selected age; providers publishing only a starting price come last. This is not a rating of the cover. Prices from providers' official pages and leaflets. Check the current price list before signing. · 5. 11. 2026.
Who gets HZZO supplementary cover for free?
The state budget pays the premium for these groups (gov.hr, HZZO):
- people with 100% bodily impairment and certain severe conditions
- organ donors
- blood donors with more than 35 (men) or 25 (women) donations
- full-time pupils and students over 18
- people with income below the threshold: €573.50 single / €458.08 per family member (2026)
HZZO · SLUŽBENE ČINJENICE
15 € mjesečno od 1. 2. 2026.
- Mjesečna premija
- 15 €
- Godišnja premija
- 180 €
- Aktivacijski rok
- 15 dana u redovnom slučaju
- Osnovna uloga
- Pokriće participacije u obveznom zdravstvenom osiguranju prema pravilima HZZO-a.
Iznimka kod nastavka osiguranja
HZZO navodi iznimku za osobe kojima je prethodno dopunsko kod drugog osiguravatelja isteklo najkasnije 30 dana prije nove ponude.
PRIVATNA POLICA
Ne uspoređujte samo mjesečnu cijenu
01
Provjerite pokriva li polica ono što očekujete od participacije.
02
Provjerite karencu i pravila nastavka iz prethodne police.
03
Provjerite B-listu lijekova ili druga dodatna pokrića ako su vam važna.
04
Provjerite način korištenja kartice, refundacije i mrežu usluga.
KALKULATOR TROŠKA
HZZO nasuprot iznosu privatne ponude
Unesite mjesečnu premiju iz konkretne privatne ponude. Kalkulator samo računa godišnji iznos i razliku — ne ocjenjuje pokriće.
Unesite iznos privatne ponude.
Zatim usporedite i pokrića, ne samo cijenu.
JAVNO VERIFICIRANI ZAPISI
Privatni proizvodi s nazivom “dopunsko”
This is not a ranking. We display only products verified against official sources.
Health insurance26. 9. 2026.
Supplementary health insurance
Allianz · Voluntary health insurance for co-payment costs, subject to the product terms.
Publicly verified
The official online shop lists supplementary health insurance.
Health insurance26. 9. 2026.
Supplementary health insurance
Wiener · Wienerovo dopunsko zdravstveno osiguranje.
Publicly verified
The official website lists it among the main products and online services.
Health insurance26. 9. 2026.
Supplementary health insurance
Generali · Generali supplementary health insurance for co-payments and other agreed cover.
Publicly verified
The official product page lists current features and premiums.
Health insurance26. 9. 2026.
Supplementary health insurance
Triglav · Supplementary health insurance for co-payment costs under compulsory health insurance, subject to the terms.
Publicly verified
The official Triglav homepage publicly lists supplementary health insurance.
Information only — not a sales platform. We do not sell policies, send insurer enquiries or rank a 'best' offer. Actual coverage is governed by the offer, IPID, contract and insurer's terms.