Why is Insurance Required ?
August 13th, 2009 | 
Author: Why is Insurance required
Every citizen of Croatian is obliged to report on the compulsory health insurance.
People residing in the Republic of Croatia and aliens with approved permanent residence in the Republic of Croatia, if an international agreement on social insurance provides otherwise, the application made under the compulsory health insurance.
The compulsory health insurance under the provisions of the Act on compulsory health insurance must be provided and foreigners with granted temporary residence in Croatia, based on employment with an employer based in the Republic of Croatia, or on the performance of economic or professional activities in the Republic of Croatia, if the conditions are met according to specific regulations on residence and work of foreigners in the Republic of Croatia and, if an international agreement on social insurance otherwise.
Party which is in Croatia temporary sojourn, with business visas and refugees at the expiration of three months from the date of recognition of the same position, and the health care they are not insured on any other basis, must be provided to health insurance under the provisions of the Law on Health Protection of Foreigners in the Republic of Croatia (Official Gazette No. 114/97)..
Which is regulated by mandatory health insurance
Law on Compulsory Health Insurance (Official Gazette No. 150/08, 94/09 and 153/09 – hereinafter: the Act).
Principles of compulsory health insurance
All insured persons the rights and obligations under the compulsory health insurance based on the principles of reciprocity, solidarity and equality in the manner and under conditions specified by law.
Scope of rights under the compulsory health insurance, all insured persons under the same conditions.
The compulsory health insurance under the Act must be secure and acquire the status of the insured:
* Persons employed in domestic or foreign employer based in the Republic of Croatia,
* People who are elected or appointed to permanent posts in certain government bodies and local and regional (regional) government, if such work receive wages
* Persons with temporary or permanent residence granted to the Republic of Croatia employed abroad by a foreign employer with no health insurance of foreign holders of health insurance or who are not insured by mandatory international regulations in the manner as specified by international agreement on social security
* Executives of companies if they are not compulsory health insurance based on the work,
* Persons who, upon graduation with no professional training of employment pursuant to the work (volunteer work),
* People in the area of economic activity performed by Croatian trade is matched craft activities, people who own in the form of professional or leisure activity and people in Croatia engaged in agriculture and forestry as the only or principal occupation, you are liable to income tax or income tax, and are not insured on the basis of work
* Farmers in the Republic of Croatia are engaged in agricultural activity as the sole or main occupation if they are the owners, possessors or tenants, and if they are not liable to income tax or corporate income tax and are not insured on the basis of work,
* Priests and other religious officials of the religious community, which is registered in the records of the religious community led by the competent authority, if not provided on the basis of work
* Beneficiaries and beneficiaries of the vocational rehabilitation according to the pension insurance of Croatian, if they have been granted permanent residence or stay in Croatia,
* Disability pension beneficiaries and that this right is exercised solely by foreign holders of pension and disability insurance, if an international agreement otherwise, if they have been granted permanent residence or stay in Croatia,
* Persons who at the time of termination of employment found in the exercise of the right to salary compensation in case of injuries and occupational illnesses, according to the report of the Croatian Institute for Health Insurance Health Protection at Work,
* Persons with permanent residence or an approved permanent residence in Croatia, which are not compulsory insured on other basis and are reported to CIHI in
ou within 30 days of termination of employment or performing services or receiving compensation from the termination of salary they are entitled under this Act or the regulations made under this Act or the termination of insured status established pursuant to Section 11,
ou within 30 days of the early termination of the voluntary military service, or from the date of expiry of the prescribed deadline for voluntary military service,
ou within 30 days of discharge from the institution to carry out criminal and misdemeanor sanctions, in health or other specialized institutions, if it was applied the security measure of mandatory psychiatric treatment or compulsory treatment of addiction in a medical institution,
ou within 30 days of at least 18 years of age if they are not insured on other grounds,
ou within 30 days of termination of receiving salary compensation they are entitled under this Act or the regulations made under this Act,
ou within 90 days from the expiration of the school year, which ended regular education as defined by regular education in the Republic of Croatia, or within 30 days after passing the final exam,
* High school students and regular students of universities who are citizens of Croatian and have a residence or domicile in the Republic of Croatia, and foreigners with granted permanent residence in the Republic of Croatia, and not insured as members of their families, provided that this right can be used until the expiration of the school year in which they finished regular schooling,
* Persons with residence in Croatia, which according to the regulations on training of Croatian students have lost their status, ie full time student if you have registered in the Pension Fund within 30 days of losing the status of students or full time student and if the right to compulsory health insurance does not can be achieved on any other basis,
* Spouse of the deceased insured person after the death of a spouse who has not acquired the right to a survivor’s pension if the CIHI reported within 30 days from the death of a spouse, and the right to compulsory health insurance can not be achieved otherwise,
* Residents and foreigners with granted permanent residence in the Republic of Croatia who have been recognized as a military or civilian war invalids of war and peacetime military veterans, and disability status of users of family pursuant to the protection of military and civil war if the right to compulsory health insurance does not can be achieved on any other basis,
* Croatian war veterans from the war if login CIHI and if the law on compulsory health insurance can not be achieved otherwise,
* People who provide care and support for Croatian war veterans war according to the regulations on the Rights of Croatian Homeland War and their dependents, if entitled to compulsory health insurance will not achieve otherwise,
* Persons with permanent residence in Croatia who were users of health care under the Law on Basic Rights of disabled veterans and families of fallen combatants (Official Gazette no. 53/91.) Act Disability appendix and other rights of disabled war veterans (National Gazette. 75/85., 55/86. and 57/89.), the Law on the Protection of National Liberation War Veterans (“Official Gazette. 57/85., 55/86. and 57/89.) , Law on Protection of Victims of fascist terror and civil war victims (Official Gazette no. 57/85., 55/86., 27/88. and 57/89.) Act special monetary compensation for veterans of the national liberation war and prewar revolutionaries (Official Gazette no. 52/78., 48/80., 20/86. and 27/88.) and the Regulation on the Protection of War Victims of Croatian defense and their families (“Official Gazette . 52/91.), if the law on compulsory health insurance can not be achieved otherwise,
* Persons in military service or voluntary military service (conscripts), and pričuvnici while conducting services in the Croatian Armed Forces, if the law on compulsory health insurance will not achieve otherwise,
* People who have stopped working because they are legal or natural person sent to education or training, the duration of education or training,
* A person who has legal or physical persons before entering into employment sent as his scholarship to practical work in another legal person or by individuals for vocational training or education, the duration of the practical work,
* Those sent overseas as part of international technical, educational and cultural cooperation, while they are abroad on this basis,
* Persons who have been recognized the right of the status of the parents of carers under special regulations,
* Family members imprisoned or missing Croatian defenders while receiving unemployment benefits in accordance with the regulations on the Rights of Croatian Homeland War Veterans and their family members, if the law on compulsory health insurance will not achieve otherwise,
* Persons who are recognized as asylum seekers in the Republic of Croatia.
Those receiving other income (contracts, fees)
Those receiving income from which the income tax determined by other income (receipts generated under contracts, royalties) to report on the compulsory health insurance carried out and acquire the status of the insured, under the following conditions:
* If you are entitled to compulsory health insurance on other grounds,
* If you have been granted permanent residence or stay in the Republic of Croatia and
* If they were in compliance with regulations on contributions for compulsory insurance paid to one or several payments in the last five years of contributions for compulsory health insurance at least equal to the contribution calculated on the lowest base for calculation of contributions for compulsory health insurance for a period of six months.
Family members
The status of insured persons as members of their families can gain:
* Spouse (married and common law, in accordance with the regulations on family relations),
* Children (born in marriage, outside marriage, or adopted, step), and other children without parents, if the insured person,
* Parents (father, mother, stepfather, stepmother and adoptive parents) they have also met all the following conditions:
about to live with the insured in the same household
about to be incapable of independent life and work,
they do not have the funds for maintenance and
to the insured person.
* Grandchildren, brothers, sisters, grandparents if they ever met all the following conditions:
about to live with the insured in the same household
if you are incapable of independent life and work, if you do not have funds for maintenance and
if the insured person.
Those members of their families acquire the said right, provided that the same right can not be achieved by some of the grounds referred to in paragraphs 1 to 26, in chapter 1 Insured, and that they reside, or been granted permanent residence in the Republic of Croatia, if an international agreement otherwise.
It is believed that the person is incapable of independent life and work if:
* Reached the age 60 (women) or 65 (men) years of age
* According to the pension regulations declared totally and permanently unable to work
* According to the regulations of the Social Welfare declared totally and permanently unable to work
* According to the Medical Commission CIHI judged incapable of independent life and work for at least a year, depending on the health of people.
It is believed that a person does not have sufficient income to support:
* If you do not own revenues
* If her monthly income does not exceed 18% of the budget base determined by the Law on Implementation of the Croatian State Budget for the current year (budgetary basis for the year 2009. Kuna is 3326.00, 18% of the base is 598.68 million).
From living under the same household as the housing at the same address with the insurance carrier, which is proving identity card or a confirmation of the competent police department of residence or stay the same address.
Insured Children
Children retain the status of insured members of their families after the age of 18th age if they are in regular secondary or higher education as defined by regular education in the Republic of Croatia by the end of regular education, and until the age of 26th years.
Subject to regular education as education is the completion of vocational studies, undergraduate or graduate studies.
Exceptionally, children who are insured because of illness or injury interrupted regular education, extending the right to compulsory health insurance for as long as it lasted for illness or injury.
They as well as children who are insured because of military service interrupted regular education, extending the right to compulsory health insurance during the continuation of regular education for as long as it lasted fine regular education.
Insured children who become totally and permanently incapable of independent life and work in accordance with special regulations before completing 18th years, or during regular training, are entitled to compulsory health insurance for the duration of the disability.
The right to compulsory health insurance are insured and children who were after the age of 18th year of life has become totally and permanently incapable of independent life and work in accordance with special regulations, if the insured person.
Children who have one or both parents, and that the insured took the allowance, are entitled to compulsory health insurance as members of the family of the insured, if the parents and children due to his health or other reasons can not take care of children and their maintenance.
Retention of the status of family members after divorce
Spouse, divorce retains the status of the insured person CIHI as a member of the family of the spouse who is divorced:
* If the court decision has acquired the right to maintenance, the duration of maintenance,
- (Listed insured person retains the status of the insured person as a member of the family and the cessation of support provided to the CIHI report within 30 days from the date of finality of judicial decisions on the termination of alimony, if the law on compulsory health insurance can not be achieved on any other basis ).
* At the time of divorce was totally and permanently unable to work in accordance with pension regulations,
* If his court decision on the divorce the children entrusted to the care and education provided to the CIHI report within 30 days from the day the court decision, if the right to compulsory health insurance can not be achieved on any other basis.
Other insured persons
When the insured person is paid contribution
People with temporary or permanent residence granted to the Republic of Croatia that the right to compulsory health insurance can not be achieved by one of the grounds provided for by law (as the insured, members of their families, according to the regulations on social welfare or some other basis) are required to ensure the compulsory health insurance as an insured person, you are liable to pay contributions for compulsory health insurance.
These people the rights and obligations under the compulsory health insurance gain, provided that they have previously paid a one-time contribution for compulsory health insurance on the lowest base for calculation of contributions for compulsory health insurance from the date of termination of the previous status of the insured person for a maximum period of 12 months.
Contribution for family members of citizens of the Republic of Croatia employed abroad by a foreign employer
Of Croatian nationals working abroad for foreign employers are obliged to provide the compulsory health insurance and pay a prescribed amount for each member of your family with temporary or permanent residence in the Republic of Croatia, which is secured by a foreign health insurance carriers, and it was before his leaving to work abroad health insured in the Republic of Croatia as a member of his family law.
Persons insured under the law of social welfare
People with temporary or permanent residence granted to the Republic of Croatia that are incapable of independent life and work and have no means of subsistence are entitled to compulsory health insurance as the insured person based on the decision issued by the state administration responsible for social welfare, if the law on compulsory Health insurance can not be achieved on any other basis.
The right to compulsory insurance under the said insurance basically runs all the time until a change of circumstances under which the rights recognized.
Mandatory health insurance and status of the insured and the insured person’s Pension Fund is governed by the provisions of Articles 1 to 13 Law on Compulsory Health Insurance (Official Gazette No. 150/08., 94/09. And 153/09).