Croatia
Digital Nomad Residence Permit: health insurance requirements
Yes: health insurance is required
Yes. Croatia's digital nomad residence permit (one of the first in the EU, launched January 2021) requires valid travel or private health insurance covering Croatia for the whole stay; both international and Croatian policies are accepted. It is for non-EU nationals working for a foreign company or their own company outside Croatia, on income of about €3,620 a month, and runs up to 18 months. A coverage level around €30,000 is commonly cited but not a confirmed official figure.
The requirements at a glance
| Minimum policy duration | Full duration of stay |
|---|---|
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Valid travel or private health insurance covering Croatia for the entire stay. Both international and Croatian policies are accepted. A coverage level around €30,000 is commonly cited, but confirm the current wording with the Ministry of the Interior (MUP). |
For non-EU/EEA nationals working through technology for an employer or their own company outside Croatia (not for Croatian clients). Income of about €3,620/month (2.5× the average net salary, updated annually), plus 10% of the average net salary per accompanying family member. Granted for up to 18 months and NOT directly renewable: you must spend time outside Croatia before reapplying. Digital-nomad income is exempt from Croatian income tax. Apply online via MUP, at a consulate, or at the local police.
Our take
The rule is a policy that covers Croatia for the full stay, with both international and local accepted, so your existing global plan can work if it clearly names Croatia.
The €30,000 you will see quoted is not a confirmed statutory figure, so check MUP, but insure for a real Croatian hospital bill and evacuation regardless.
What happens if you get it wrong
A policy that does not clearly cover Croatia for the whole period can hold up the permit.
Do not bank on renewing in place: the permit is not directly renewable, so plan the required time outside Croatia before you reapply.
Interactive
Verified pricesWhat would it cost in Croatia without insurance?
You pay, out of pocket
$3,500–$13,000
A major surgery and admission; excludes ICU.
Bars to scale. A flight home is in another league.
That is the bill you carry alone. Insurance exists for exactly this.
See what cover costsTypical private-care estimates for illustration, not a quote. Actual bills vary by hospital, city and severity.
FAQ
Yes, valid travel or private health insurance covering Croatia for the whole stay. Both international and Croatian policies are accepted. A level around €30,000 is commonly cited; confirm with MUP.
About €3,620 a month (2.5× the average net salary, updated annually), plus more per accompanying family member.
Not directly. It runs up to 18 months, after which you must spend time outside Croatia before reapplying.
No. Digital-nomad income is exempt from Croatian income tax, though your home-country tax still applies.
No. Both international and Croatian policies are accepted, as long as the cover is valid in Croatia for the full stay.
Reviewed by Lukas Schönberg, Founder & researcher, Nomad Insurance Broker OÜ
Nomad Insurance Broker OÜ (Estonia) is an information and matching platform, not currently registered as a regulated insurance intermediary in any jurisdiction. See /how-it-works for the full disclosure.
Source: mup.gov.hrLast verified
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