Although the public healthcare system in Montenegro is free, more people are choosing to purchase private ( voluntary) health insurance for additional coverage.
By purchasing a private health insurance policy, you receive medical care at private clinics throughout Montenegro. To use your policy, simply contact the insurance company’s call center. The staff will guide you to a suitable clinic and arrange the necessary examination based on your justified needs at that time.
The insurance companies providing this type of insurance in Montenegro, subject to certain limitations, are as follows:
- Lovćen insurance
- Uniqa insurance
- Sava insurance
- Generali Insurance Montenegro
Health insurance packages in Montenegro generally fall into two categories: outpatient and inpatient treatment. Outpatient treatment covers medical care up to hospital admission but does not include hospital stays. Inpatient treatment, is a more comprehensive package that includes both inpatient and outpatient care.
The standard outpatient package usually covers: General practitioner visits, Specialist appointments, Laboratory testing, Diagnostic procedures such as X-rays, CT scans, MRI, ultrasound, and more. Besides the standard coverage, you can also opt for additional benefits such as annual health screenings (check-ups) , ophthalmology exams, dental care, physical therapy, childbirth and other associated medical care.
There is typically a waiting period (period during which the coverage is not yet effective ) of 2 months when signing a new policy, while maternity coverage requires a 9-month waiting period.
Minimum packages start with an insured amount of 1,000 € and can go up to 10,000 €. In certain instances, the insured amount exceed 10,000 € significantly, but those are special agreements that fall outside the standard plans of insurance companies. For easier understanding, the sum insured is the amount available to you when using a private voluntary health insurance policy.
The average monthly cost for this type of insurance, covering a standard outpatient package with a 1,000 € insured amount, is approximately 18 € per person for those aged up to 40.
Note that pre-existing conditions recorded in your medical history is not covered by this policy.
For more information, please contact us or complete the questionnaire to request a quote for this type of insurance.
