HealthcareEditorially reviewed 25/10/2026

Registering for compulsory health insurance

Find out whether the registration is submitted by an employer, the insurance holder or you personally, which form and evidence to prepare, and which deadline applies after a status change.

Find the nearest HZZO office

Cost

Depends on the basis for insurance

Usual time

After checking a complete registration

Responsible institution

HZZO

How to apply

This procedure has one application method.

If you submit the registration yourself: HZZO

A self-submitter can submit the registration to HZZO. For employment, the employer submits it; for a family member, it is submitted by the employer of the insurance holder or by the insurance holder.

Required documents

Selected: 0 of 6

If you submit the registration yourself: HZZO

T1 or T2 formT1 is used for an insured person and T2 for an insured dependent or family member. For employment, the registration is generally completed through data exchange between HZMO and HZZO.
Proof of relationship with the insurance holderFor a family member, HZZO requires proof of kinship or partnership. For a spouse or life partner, this is, for example, a marriage certificate or extract from the life partnership register; for a child, the appropriate proof of kinship.Required when status is obtained as a family member of an insured person.
Proof of the legal basis for insuranceThe document depends on the basis for registration, such as employment, family membership, residence, stay or another status.
Identity document and personal identification number (OIB)Bring a valid document and the details of the person being registered.
Proof of residence or approved stayRequired for insurance bases that depend on residence or regulated stay in Croatia.
Proof that previous insurance endedMay be required for people previously insured in another EU Member State or treaty country.

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Steps

If you submit the registration yourself: HZZO

1
Determine the basis and who must submit the registration
For employment, the employer submits the registration. For a family member, it is submitted by the employer of the insurance holder or by the insurance holder. For other bases, the official List states whether you are the submitter or another body submits it.
2
If you are insured through employment, contact your employer
Do not submit a separate personal registration to HZZO merely because you are starting work. The employer is responsible for the registration, and data for active workers are generally exchanged between HZMO and HZZO.
3
If a family member is being insured, arrange the registration through the holder
The insurance holder or their employer submits T2. A family member can obtain this status only if they cannot obtain it on another basis and meet residence or stay conditions; some family members have additional conditions.
4
Check the eight-day deadline
The person responsible for submitting a registration, change or deregistration must do so within eight days of the relevant circumstances arising, changing or ending.
5
Choose the appropriate form
Use T1 for insured-person status or T2 for an insured dependent or family member.
Download official form (PDF)Opens in a new tab.
6
Prepare evidence for your basis
Check the official List of Insurance Bases for the exact set of documents for your status.
7
Submit the registration through the correct channel
If the registration is submitted to HZZO, every regional office or branch must accept it regardless of residence or the submitter's registered office. For employment and some other bases, registration is completed through data exchange with HZMO.
8
Check the recorded status
After submission or registration through an employer, check whether the status is recorded under the correct basis and date. Keep any available confirmation or electronically certified copy.

Prices and deadlines

Procedure	Price	Deadline
Registration and contributions Some bases have no separate administrative fee, while self-paying contributors and people without another basis may owe contributions or a prior one-off payment.	Depends on the basis for insurance	After checking a complete registration

Procedure

Price

Deadline

Registration and contributions

Some bases have no separate administrative fee, while self-paying contributors and people without another basis may owe contributions or a prior one-off payment.

Depends on the basis for insurance

After checking a complete registration

Important notes

If the basis is employment, the employer is responsible for the registration; do not automatically visit HZZO to make a separate personal registration.
For a family member, the registration is submitted by the employer of the insurance holder or by the insurance holder, rather than necessarily by the person gaining status.
The deadline to register, change or deregister is eight days after circumstances change and applies to the person responsible for submission.
A family member can obtain status on this basis only if they cannot obtain insurance on another basis and meet the prescribed residence or stay conditions.
Documents are not the same for everyone: the official List of Insurance Bases sets the evidence for each status.
The end of one status does not mean a new insurance basis is automatically arranged.
A person previously insured in another country may need proof that insurance ended.
People who pay contributions themselves may incur further financial obligations, including payment for a prior statutory period.
Rights under an ended basis can remain for up to 30 days, but this does not replace the duty to arrange a new status in time.

Common mistakes

Visiting HZZO before checking whether the employer or insurance holder is responsible for the registration.
Assuming every family member can be insured on this basis without checking another possible basis and special conditions.
The responsible submitter misses the eight-day deadline.
Using the wrong form for an insured person or family member.
Not attaching evidence that matches the specific legal basis.
Not checking whether previous insurance in another country was deregistered.
Not keeping the certified copy or checking the status start date after submission.

Institutions

Croatian Health Insurance FundDetermines insured-person status and accepts registrations, changes and deregistrations.

Find the nearest HZZO office

HZZO regional offices and branchesEvery regional office or branch must accept a registration regardless of your place of residence or temporary residence.

Official sources

Information was editorially reviewed on 25/10/2026. Before applying, check the latest information on official websites.

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