Insurance types Private (DMS) - required for residence permit - Cost: 200-400€/year - Covers: outpatient, hospital, emergency - Companies: Dunav, Generali, DDOR, Triglav State (OMS) - ava
## Types of Health Insurance
### Private Health Insurance (DМС)
- Mandatory for obtaining a residence permit
- Cost ≈ 200-400 €/year (basic package)
- Covers outpatient treatment, hospitalization, emergency assistance
- Popular companies: Dunav, Generali, DDOR, Triglav
### Public Health Insurance (ОМС - zdravstvena knjižica)
- Available after obtaining a residence permit and registration with PIO (pension fund)
- Covers state clinics and hospitals
- Free - included in social contributions
- Issued at a branch of RFZO (Republički fond zdravstvenog osiguranja)
## How to Use
### Private Health Insurance (DМС)
1. Choose a clinic from the insurance company's partner list.
2. Call and schedule an appointment.
3. Arrive with your policy.
4. Treatment is free (sometimes with a small co-payment).
### Public Health Insurance (zdravstvena knjižica)
1. Choose a family doctor (izabrani lekar) at a polyclinic near your residence.
2. The doctor issues referrals to specialists.
3. Everything is free, but be prepared for queues.
## Emergency Assistance
- Emergency services - **194**
- Emergency centers (urgentni centar) - free for everyone, regardless of insurance
- Largest centers: Uргентни центар Београд, Клинички центар Нови-Сад
## Private Clinics
Expats often prefer private clinics: consultations cost around 3 000-8 000 RSD (≈ 25-70 €), no queues, staff usually speaks English.