06. 10. 2025.
Health insurance is an important aspect of life for every individual. For foreigners residing in Montenegro, properly understanding the available options can be crucial. Whether you have temporary or permanent residence, it is important to know the registration process and the possibilities available to you.
WHO IS ELIGIBLE FOR HEALTH INSURANCE?
Foreigners are entitled to health insurance if they have:
To exercise this right, you must register with the Health Insurance Fund of Montenegro.
IMPORTANT: SIMPLY PAYING CONTRIBUTIONS DOES NOT AUTOMATICALLY GRANT YOU HEALTH INSURANCE — YOU MUST SUBMIT A SPECIAL REGISTRATION APPLICATION TO THE HEALTH INSURANCE FUND.
A foreigner can also insure their closest family members — spouse and children — thereby providing health coverage for the entire family.
REQUIRED DOCUMENTATION
To apply for health insurance, you must provide:
DURATION OF HEALTH INSURANCE
Health insurance is valid until the expiration of your residence permit.
After your permit is renewed, you must reapply for insurance for the new period.
In other words, once your residence permit expires, your health insurance automatically expires as well.
ALTERNATIVE HEALTH INSURANCE OPTIONS
In addition to state insurance, foreigners may purchase private health insurance policies from insurance companies in Montenegro, such as:
These policies provide access to healthcare services in both private and public institutions, offering additional security in case of medical needs.
PRICES AND DURATION OF POLICIES
The cost of policies depends on:
Policies are issued for a fixed period and must be regularly renewed to ensure continuous coverage.
