engleski

Does supplementary health insurance affect the costs of medical treatment for the citizens in the republic of Croatia?

This research paper analyses the attitudes of the citizens in the Republic of Croatia on the impact of supplementary health insurance on medical treatment costs. The Croatian health system includes mandatory, supplementary, and additional (voluntary) health insurance. Mandatory insurance is mostly financed through a special tax on employees' salaries, while supplementary and additional health insurance is voluntary, and every Croatian citizen can decide whether there is a need for such insurance, if he or she wants to use it and pay an additional monthly, quarterly, or annual premium for it. In addition to a theoretical description of health insurance functioning, especially supplementary health insurance, this paper presents the results of empirical research. The analysis was carried out in September 2022 by a survey questionnaire. The goal was to determine is it worth it for people, regardless of their age, to pay supplementary insurance or participation on the spot after service received.

supplementary health insurance, healthcare financing, HZZO, participation, health institutions

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