Voluntary Health Insurance

Voluntary Health Insurance

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You take care of your health and want only the best service for yourself and your family? Then UNIQA voluntary health insurance is just for you. UNIQA offers you: 
- supplemental health insurance with unlimited coverage for co-participation in health care costs and
additional health insurance UNIQA Optimal with a higher level of service.


Additional Health Insurance

  • Health insurance tailor-made for you

    Health insurance tailor-made for you

    UNIQA Optimal additional health insurance provides:
    • specialist examinations and diagnostic tests without referral or waiting
    • choice of appointment, doctor and medical institution
    • medical advice available 24/7

    Coverage of UNIQA Optimal package:

    annual limit
    MedUNIQA 24/7 medical care telephone service
    Grace period 15 days*
    Specialist examinations 132,72 EUR / 1.000,00 HRK
    Diagnostic examinations and laboratory tests 132,72 EUR / 1.000,00 HRK 
    Additional coverage at an additional cost
    Physical checkup once in two years
    Post Covid checkup and testing includes specialist and diagnostic testing following Covid recovery

    *The grace period does not apply to physical checkup, to health care costs in case of accident or to the extension of the policy

    UNIQA is there for you even after you have exhausted the annual health insurance limit for specialist and diagnostic procedures and pays 50% of the price of the required medical services in contracted institutions.

Supplemental Health Insurance


Supplemental health insurance covers all costs of co-participation in health care costs and additional charges within the mandatory CHIF health care system for: 

• health care services with primary care physicians,
• medicines from basic A-list,
• costs of additional payments for B-list medicines up to HRK 3.000,00 per year, if additionally agreed,
• medicines, the coverage includes also B-list medicines
• hospital treatment costs,
• orthopedic and other medical aids.

How much is the monthly premium? 

Access age Supplemental health insurance with A-list medicines Supplemental health insurance with A and B-list medicines
0-17 - 16,59 EUR / 125,00 HRK
18-60 5,97 EUR / 45,00 HRK 8,63 EUR / 65,00 HRK
>60 12,61 EUR / 95,00 HRK 25,22 EUR / 190,00 HRK




Fixed exchange rate of conversion of the kuna to the euro: 1 euro = HRK 7.53450 is applied for the dual display of the amount of fees and other monetary presentations, taking into account the conversion and rounding rules in accordance with the Act on the Introduction of the Euro as the Official Currency in the Republic of Croatia.

Healthcare Partner Institutions


There are more than 650 healthcare providers available to UNIQA insurance clients where they can undergo examinations and diagnostic tests with no referrals and no waiting lists. Examinations and tests are arranged and organized by the Medical Service MedUNIQA, whose professional advisors are at your service 24 hours a day, 7 days a week.

See all contracted health care providers here (available in Croatian only).

UNIQA insurance - service availability


UNIQA insurance is available to you from Monday to Friday 8am-6pm and Saturdays from 8am-1pm

You can find all information about UNIQA insurance products and services and how to report damages here. All contacts are available on the web site, as well as questions and answers about the current exercise of rights from voluntary health insurance. We remind you that you can check all the information about your insurance policies on the free portal for clients mojauniqa.



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