Medical insurance for visas: what you need to know
What is required from the insurance
- Minimum limit - 30 000 EUR (Schengen).
- Insurer - registered in Serbia.
- Mandatory COVID-19 coverage (as of 2026).
- Validity period - covers the whole travel period.
Russian insurance policies are no longer accepted. Consulates refuse to accept policies from Tinkoff, VTB and other Russian companies - sometimes even at the EU border.
Where to buy a policy
| Company | Approximate price (per year) | Features |
|---|
| Dunav Osiguranje | 2 000-3 000 dinars | The most popular, simple online issuance |
| Grawe | 6 311 dinars | Good price/quality ratio, online calculator |
| Wiener Stadtische | from 3 000 dinars | Possibility of multiple trips |
| Uniqa | - | Available to Raiffeisen Bank clients within premium packages |
How to arrange insurance
Online
On most companies' websites you can obtain a policy in a few minutes:
- Dunav - apply and receive the policy by mail.
- Grawe - convenient calculator, the final premium is shown immediately.
- When filling the form, indicate JMBG = evidencijski broj from the residence permit.
What you will need
- Scanned copy of the residence permit.
- Passport (Russian passport is acceptable).
- For a family policy - documents of all insured persons.
Annual policies: nuances
- Grawe limits a single trip to 45 days; other companies usually allow 30 or 90 days per year.
- Cost ranges from 6 000 to 17 000 dinars depending on the limit and duration.
Bank-issued insurance
Raiffeisen Bank
- Premium clients receive a Uniqa policy - coverage of 45 000 EUR worldwide until 2029.
- The premium package costs 340 dinars per month, the certificate is issued in English and Serbian.
OTP Bank
- Dunav insurance is included in the business package, lasts several years ahead and covers any trips.
Medical certificates and documents
Certificate from social insurance (CROSO)
You can obtain it:
- Through the portal https://portal.croso.gov.rs (login via eid.gov.rs).
- By email - info@croso.rs, attaching a scan of the residence permit.
The document is called uverenje o istoriji prijava osiguranika and is required by entrepreneurs when applying for visas, as well as by employees to confirm work history.
Certificate from APR (Agency of Private Registries)
Required by entrepreneurs in visa procedures. It is issued online or at APR offices and confirms the status of a business owner.
Visa types and insurance
- Tourist - policy for exact dates or with a small buffer. For a multi-visa a yearly policy is more convenient.
- Work - sometimes an extended coverage and a health certificate are required; check the specific country's requirements.
- Student - coverage for the whole study period; many universities offer group policies.
Common mistakes
- Coverage limit - websites often show the minimum; verify that it meets Schengen requirements.
- Validity period - get a policy with a few extra days; otherwise the consulate may reject the application.
- Full set of pages - when printing the policy, all pages are needed, not just the cover.
- Family policy - the limit is shared among all insured persons; sometimes it is cheaper to get separate policies.
- Signature and stamp - some consulates require originals, not scans.
- Translation - it is better to receive the policy in English from the start to avoid translation issues.
How to use the insurance while traveling
One community member spent 700 EUR at a clinic in Europe, and Wiener Stadtische fully reimbursed the expenses in dinars within two weeks.
Russian insurance policies often face problems: poor roaming, lack of mobile apps, and outright refusal of service in EU countries.
Medical care in Serbia
Public system
- Serbian compulsory health insurance (obligatory medical insurance) covers treatment in Germany and other EU countries.
- To obtain certificates you need to book an appointment with a doctor at a polyclinic; international insurance can be arranged through the public system.
Private clinics
- Medgroup
- Belmedic
- Euromedic
- Generali (check-ups and diagnostics)
Emergency care
- Urgentni centar - 24/7 ambulance service.
- Large hospitals often have multi-level parking; an alternative is the parking lot at Sveti Sava.
Insurance companies
- Dunav Osiguranje - online issuance on the website
- Grawe - cost calculator on the website
- Wiener Stadtische - offices and online service
- Uniqa - info@uniqa.rs for confirmations
Government services
- CROSO - portal.croso.gov.rs, info@croso.rs
- APR - online certificates for entrepreneurs
- eID portal - eid.gov.rs (electronic signature)
Bank insurance
- Raiffeisen - through a premium manager
- OTP - within business packages
Current prices (2026)
- One-time tourist insurance: 1 500-3 000 dinars.
- Annual insurance (30 days): 6 000-12 000 dinars.
- Annual insurance (90 days): 12 000-17 000 dinars.
- Family policy for a year (Grawe): from 6 311 dinars.
Important: legislation and rates may change. Before purchasing, check the latest information on official websites.