Health Insurance in Montenegro, Europe

Information expatriation

Capital City: Podgorica
Total area: 13,812 km2
Population: 598,000
Money: Currency Converter
Time Zone: List of time zones by country
Calling Code: +382 XXX

Practical Information:

Wikipedia Montenegro

Health Product: Travel Insurance and Health insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG: Expat Health insurance Information

Here is a brief description of the healthcare system in the country:

·      Montenegro has a universal healthcare system financed through mandatory health insurance contributions and government subsidies.

·      Both public and private providers operate in the system. The Ministry of Health oversees public health policy and resources.

·      Publicly-funded benefits include primary care, hospitalization, dental care, medications, and emergency services.

·      Primary care is provided through community health centers and family medicine practices. Referrals are required to see specialists.

·      There are several general and specialized hospitals in major cities like Podgorica and Kotor.

·      Significant out-of-pocket costs exist for services not fully covered, as well as for private care.

·      The quality of care varies between well-equipped urban areas and inadequately staffed/resourced rural clinics.

·      Life expectancy is improving but non-communicable diseases are a growing challenge given lifestyle changes.

·      Physician shortages exist countrywide due to emigration and an aging medical workforce.

Here are some key health considerations for expatriates living in the country:

·      Purchase comprehensive international medical insurance that covers costs, evacuation, and repatriation if needed.

·      Register with a local healthcare center/family doctor. Private practices have better availability/quality generally.

·      Bring adequate supplies of prescription medications as brands/doses available locally may differ.

·      Rural clinics have fewer doctors/limited services. Ensure a robust evacuation plan for medical emergencies.

·      Keep immunizations like hepatitis A/B up to date. Risks include tick-borne encephalitis in some areas.

·      Water safety - drink only bottled water or boil local water rigorously as per contamination risks.

·      Harsh winters and summer heat/humidity exacerbate respiratory/skin conditions for some. Seek early medical advice.

·      Mental health services have longer wait times/lower availability. Prepare backup international options.

·      New mothers may find postnatal care services better quality in larger urban centers in country or abroad.