X-Ray Cost Croatia 2024
Complete guide to X-ray pricing and healthcare in Croatia
Free
HZZO Coverage
€1.32
Co-payment
99%
Population Covered
Croatia X-Ray Costs Overview
🏥 HZZO Public Insurance
€1.32 Co-pay
- X-rays covered by HZZO
- Small participation fee
- Maximum €530.88 per treatment
- Mandatory coverage
🏥 Supplementary Insurance
Covers Co-pays
- Most people have it
- Covers 20% co-payments
- Through HZZO
- Very affordable
🩺 Private Healthcare
Full Cost
- No waiting lists
- Without referrals
- Higher quality facilities
- Not covered by EHIC
Croatian Healthcare System
HZZO Coverage
- Mandatory insurance: Cannot opt out
- Universal access: 99% population covered
- Broad services: Comprehensive coverage
- Co-payment system: 20% of costs
- Maximum limit: €530.88 per treatment
Healthcare Financing
- Public spending: 84.1% of total health
- EU comparison: Above 75.5% EU average
- GDP percentage: 9.1% in 2021
- Per capita: Lower than most EU states
- Efficient system: Good outcomes, low cost
Payment Structure
- Participation fee: €1.32 for services
- Co-payment: 20% of treatment cost
- Supplementary insurance: Covers co-pays
- Private providers: Full payment required
- EHIC limitations: No private coverage
Detailed X-Ray Pricing
Estimated Costs (EUR)
| X-Ray Type | HZZO Co-payment | With Supplementary | Private Clinic |
|---|---|---|---|
| Chest X-Ray | €1.32 + 20% | €1.32 only | €40-€80 |
| Bone/Joint X-Ray | €1.32 + 20% | €1.32 only | €50-€90 |
| Dental X-Ray | €1.32 + 20% | €1.32 only | €30-€50 |
| Spine X-Ray | €1.32 + 20% | €1.32 only | €60-€100 |
| Abdominal X-Ray | €1.32 + 20% | €1.32 only | €50-€90 |
| Multiple Views | €1.32 + 20% | €1.32 only | €80-€150 |
Note: Maximum co-payment is €530.88 per treatment. Most have supplementary insurance covering co-payments.
Major Healthcare Providers
🏥 Public Hospitals
- KBC Zagreb: Clinical Hospital Center
- KBC Split: Major southern hospital
- KBC Rijeka: Coastal region center
- KBC Osijek: Eastern Croatia
- KB Dubrava: Zagreb hospital
🏥 Private Clinics
- Poliklinika Bagatin: Premium private care
- St. Catherine Hospital: Private hospital
- Medikol: Private healthcare network
- Svjetlost: Eye and imaging center
- Poliklinika Sinteza: Multi-specialty
🏥 Tourist Healthcare
- Coastal clinics: Tourist area services
- Island health centers: Basic care
- 24/7 pharmacies: Major cities
- Emergency services: 194 ambulance
- English-speaking: Tourist regions
Patient Guide by Category
🇭🇷 Croatian Residents
- Mandatory HZZO insurance coverage
- €1.32 participation fee for services
- Get supplementary insurance for co-pays
- Register with chosen family doctor
- Referrals needed for specialists
Tip: Most Croatians have supplementary insurance through HZZO to avoid 20% co-payments - it's very affordable.
🇪🇺 EU Citizens
- EHIC covers public healthcare only
- Same fees as Croatian residents
- €1.32 participation fee applies
- Private care not covered by EHIC
- Emergency care always available
Tip: EHIC doesn't cover private providers - use public hospitals for coverage or pay full private costs.
✈️ International Tourists
- Travel insurance strongly recommended
- Private clinics available in tourist areas
- Emergency care provided to all
- Costs reasonable compared to Western Europe
- Many doctors speak English
Tip: Croatia offers quality healthcare at reasonable prices - many tourists use private clinics for convenience.
Regional Healthcare Information
🏛️ Zagreb Region
- Capital advantages: Best healthcare infrastructure
- Major hospitals: Multiple KBC centers
- Private options: Most private clinics
- Specialist care: All specialties available
- 24/7 services: Emergency care
🏖️ Coastal Areas
- Split, Rijeka, Dubrovnik: Major centers
- Tourist season: Enhanced services
- Private clinics: Cater to tourists
- English-speaking: Common in tourist areas
- Summer capacity: Increased staffing
🏝️ Islands
- Health centers: On major islands
- Basic services: Emergency and primary care
- Helicopter evacuation: For serious cases
- Seasonal doctors: Summer reinforcements
- Pharmacy access: Limited hours
Important Information
📋 What to Bring
- HZZO health card
- Personal ID (OIB number)
- EHIC card (EU citizens)
- Referral from family doctor
- Previous medical records
- Cash for co-payments
⏰ Typical Wait Times
- Emergency X-rays: Immediate
- Public routine: 1-3 weeks
- Private clinics: Same day
- Specialist referral: 2-4 weeks
- Results: 24-48 hours
💡 Money-Saving Tips
- Get supplementary HZZO insurance
- Use public system - nearly free
- Compare private clinic prices
- Ask about package deals
- Keep receipts for insurance claims
Frequently Asked Questions
What is the €1.32 participation fee?
It's a small co-payment required for healthcare services in Croatia, including X-rays. This is separate from the 20% co-payment for treatment costs.
Do I need supplementary insurance in Croatia?
While not mandatory, most Croatians have supplementary HZZO insurance to cover the 20% co-payment. It's very affordable and recommended.
Can I use private clinics with HZZO insurance?
HZZO only covers contracted providers. Private clinics without HZZO contracts require full payment unless you have private insurance.
What's the maximum I'll pay for treatment?
The maximum co-payment for a single treatment is €530.88. After this, additional costs are covered by HZZO.
Is Croatian healthcare good quality?
Yes, Croatia has good healthcare quality with modern equipment and well-trained professionals, achieving good outcomes with relatively low spending.
Need Help Finding X-Ray Services?
Compare X-ray costs worldwide and find imaging centers near you.