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Croatia · DN · Seguro

Seguro médico para el visado DN de Croatia

Verified data Última verificación June 10, 2026 Reviewed by Henry van de Vorming

La mayoría de los visados para nómadas digitales convierten el seguro médico en una condición para la aprobación — y el DN de Croatia no es diferente. Aquí tienes exactamente qué se exige, los planes que plausiblemente lo cumplen y qué comprobar antes de contratarlo.

El requisito

Seguro
Obligatorio (explícito)
Cobertura mínima
No especificado
Obligatorio para
Toda la vigencia del visado

The Ministry of the Interior (MUP) lists proof of health insurance among the mandatory documents: travel or private health insurance covering the territory of Croatia for the entire period of intended stay. No minimum coverage amount is stated in any official source. Under Gazette NN 26/2021 (published 12 March 2021, in force 20 March 2021), third-country nationals on a digital nomad temporary stay are not required to register for Croatia's compulsory public health insurance (HZZO) and must bear their own healthcare costs, so the private or travel policy is your only operative cover and you will not have access to public healthcare.

Planes que cumplen el requisito

Ordenados por adecuación al requisito y, después, por precio. El estado de cumplimiento se muestra por plan — comprueba siempre que el certificado de la póliza coincide con la redacción del consulado antes de presentar la solicitud.

#1

Nomad Insurance (Essential and Complete plans)

Likely qualifying

SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription

Continuous 4-weekly nomad travel-medical subscription with worldwide (ex-USA) cover including Croatia can run for the full 18-month stay, and Croatia sets no minimum coverage amount, so the USD 250k/1.5M limits are more than sufficient.

  • Subscription model: Essential auto-extends every 28 days (5-364 days per policy) and can be bought while already abroad; coverage in 170+ countries
  • No deductible on either plan; Essential also includes travel benefits (lost checked luggage, trip interruption, evacuation from local unrest)
  • Complete is full health insurance (USD 1.5M/year) including routine and preventive care, mental health, cancer treatment and limited maternity; renewable for life if enrolled before age 64

from €54.36 /mo

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#2

Genki Traveler (successor to Genki Explorer, which was retired)

Likely qualifying

Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance

Long-stay travel medical insurance with a EUR 1,000,000 limit per one-year insurance period (renewable across periods) covers Croatia and matches the accepted 'travel' insurance type with no minimum amount to meet.

  • Up to EUR 1,000,000 medical coverage valid in every country for up to 12 months, with monthly billing and cancellation possible after the first month
  • Sign-up is possible while already abroad and up to age 69; insurance certificate for visa applications and border checks is issued immediately after the first payment
  • 24/7 emergency assistance (MCI Assist) with direct payment for inpatient hospital stays and no deductible on inpatient treatment

from €63.90 /mo

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#3

True Traveller Single Trip / Backpacker & Annual Multi-Trip (tiers: True Value, Traveller, Traveller Plus)

Likely qualifying

True Traveller, underwritten by Inter Partner Assistance S.A. (AXA Group) · Long-stay travel insurance

Single-trip policies run up to 548 days (18 months) with EUR 10M medical cover, exactly spanning the initial visa period in one policy, though it is only sold to UK/EEA/listed-European residents and travellers 50+ are capped at 366 days.

  • Medical and repatriation cover of EUR 10m (UK edition GBP 10m) per person on every tier, underwritten by Inter Partner Assistance S.A., AXA Group
  • Long-stay single-trip cover up to 548 days (731 days Worldwide incl. USA/Canada) and can be bought or extended after leaving home (48-hour waiting period applies)
  • 92 sports and activities covered as standard, with optional Adventure, Extreme and Ultimate activity packs

from — /mo

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#4

Foyer Global Health (Essential / Special / Exclusive)

Likely qualifying

Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance

International full health insurance with unlimited cover on a 12-month contract with tacit annual renewal spans the 18-month stay, and its 3-month-minimum-stay-abroad design fits an 18-month Croatian relocation.

  • No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
  • Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
  • Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans

from €80 /mo

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#5

MyHealth International

Likely qualifying

APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE) · International health insurance

Annually structured international full health plan (EUR 500k to unlimited by tier) for people residing outside their country of nationality matches the accepted 'international_health' type and renews across the 18-month period.

  • Four plan tiers with annual limits from EUR/USD 500,000 (Explore) up to unlimited (Extensive/Elite; capped at EUR/USD 2M-4M for treatment in China, Hong Kong, Japan, Singapore, USA)
  • Enrollment from age 10 up to 74 in most countries; one-year contract with automatic renewal
  • Hospitalisation, medical evacuation and cancer treatment at 100% on all tiers, with hospital direct billing and free unlimited 24/7 telehealth (Teladoc)

from €52 /mo

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#6

Care Expatriate (Basic/Comfort/Premium); student line: Care College

Needs verification

Care Concept AG (Bonn, Germany) · Long-stay travel insurance

Low-cost long-stay travel-medical product marketed as authority-recognized with >EUR 30k cover plausibly covers Croatia for the stay, but the maximum insurable duration and any aggregate caps are defined only in the AVB policy conditions, which were not fully reviewed.

  • Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
  • Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
  • Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)

from €58 /mo

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Algunos enlaces son de afiliación — consulta nuestra divulgación. Las clasificaciones se basan en la adecuación al requisito, nunca en comisiones.

Qué comprobar antes de contratar

  • 📄La redacción del certificado coincide con el requisito del visado — debe nombrar explícitamente el país y el periodo de cobertura.
  • 💶La cobertura es integral (hospitalización, ambulatoria y urgencias), ya que no se publica un mínimo fijo.
  • 🚑El tratamiento de urgencia, la hospitalización y la repatriación médica están todos incluidos.
  • 📅La póliza cubre toda la estancia para la que solicitas el visado — muchas pólizas de viaje limitan la duración del trayecto.
  • 🌍Eres realmente elegible para contratarlo (algunos planes solo se venden a residentes de la UE, el Reino Unido o EE. UU.).
  • 🤝Encaja con el funcionamiento de la asistencia sanitaria local — consulta la página del sistema sanitario.
🛡️ Cómo funciona realmente la sanidad en Croatia →

Seguro para el DN: preguntas frecuentes

Seguro para el DN: preguntas frecuentes

¿Es obligatorio el seguro médico para el DN de Croatia?

Obligatorio (explícito). The Ministry of the Interior (MUP) lists proof of health insurance among the mandatory documents: travel or private health insurance covering the territory of Croatia for the entire period of intended stay. No minimum coverage amount is stated in any official source. Under Gazette NN 26/2021 (published 12 March 2021, in force 20 March 2021), third-country nationals on a digital nomad temporary stay are not required to register for Croatia's compulsory public health insurance (HZZO) and must bear their own healthcare costs, so the private or travel policy is your only operative cover and you will not have access to public healthcare.

¿Puedo usar un seguro de viaje normal?

El seguro médico de viaje de larga estancia figura entre los tipos aceptados para este programa, siempre que cumpla los mínimos de cobertura durante todo el periodo exigido.

Fuentes