Health and social insurance

Living in Europe | Health insurance | Serbia

International agreement on health insurance

Serbia has signed the agreement with Britain, Slovakia, Poland, Macedonia, Romania, Hungary, Czech Republic, Italy, France, Luxembourg, Belgium, the Netherlands, Germany, Austria, Montenegro, Bosnia and Herzegovina, Croatia and Bulgaria.

Foreigners in Serbia will be liable for full medical costs, unless covered by insurance as envisaged by the bilateral health insurance treaty between their country of origin and Serbia. Health insurance treaties can be divided into the following three groups:

  1. Health care expenses are covered both in Serbia and in the country of origin (Austria, Belgium, Bosnia and Herzegovina, Croatia, Czech Republic, France, Germany, Italy, Luxembourg, Macedonia, and the Netherlands);
  2. Health care expenses are covered in the country where a person temporarily resides (Bulgaria, Great Britain, Hungary, Poland, and Slovakia);
  3. Health care expenses are covered in the country of origin only, with the possibility of reimbursing expenses incurred in Serbia (Switzerland and Scandinavian countries).

Citizens of the abovementioned countries enjoy medical protection in all public healthcare institutions. In order to use this right, they need to be registered with the Republic Health Insurance Fund.

If your country of origin is not included in one of the three groups, numerous private polyclinics and hospitals are available. Most local private medical centers and dental clinics use the latest technology, providing high quality medical services at significantly lower prices compared to Western countries. If insurance premium does not cover medical or dental treatment costs, one will have to pay around €25 for physical examination. The costs of other services depend on the type of treatment.

Public hospitals and private clinics have 24-hour accident and emergency departments, where medical treatment for both residents and non-residents is free-of-charge. In case of emergency, dial 94

Mandatory social and pension insurance

All employees earn the right to social security and pension payments through mandatory social and pension insurance paid by an organization or employer where he or she is employed.

From the social and pension insurance which has to be paid in a form of a fee, the fund for mandatory social insurance is formed, which includes:

  • Pension and disability insurance,
  • Health insurance,
  • Unemployment insurance.

The basis for the fee calculation is the average wage paid in the RS in the fourth quarter of the previous year.

The right to mandatory basic insurance is granted to all the employees as well as foreign citizens employed by a foreign legal entity or an individual in the RS, if it has not been regulated otherwise by an international treaty.

A person becomes entitled to the insurance on the day of the start and terminates on the day of termination of employment. Every insured person must be at least 15 years old.

More information on Social Security can be found on the website of the Republic Fund for Pension and Disability Insurance.

Emergency services

The Emergency Ambulance Service can be reached by calling 194 and it is available 24 hours a day. In larger cities there are also health institutions for all kinds of urgent conditions or injuries which are open 24 hours as well as selected pharmacies. However, please have in mind that not all medicines can be bought in pharmacies, due to the fact that some of them require a doctor’s prescription.

Useful contacts

More information on Health Insurance in the Republic of Serbia is available at Institute for Health Insurance of the Republic of Serbia.

  • Offices in Niš: Prijezdina 1, tel: +381 18 241-863, e-mail: nis@rzzo.rss
  • Offices in Belgrade: Nemanjina 30, tel: +381 11 2646-022, +381 11 2656-043,
  • Offices in Kragujevac: Kralja Petra I 1 , tel: +381 34 335-491, +381 34 335-492,
  • Offices in Novi Sad: Žitni trg 1, tel: +381 21 66-22-017 i +381 21 66-23-466,