Skip to main content

With its stunning Adriatic coastline, picturesque landscapes, and rich cultural heritage, Montenegro has become an increasingly popular destination for expatriates seeking a new life abroad. As you embark on your journey to this Balkan gem, understanding the healthcare system is crucial to ensure a smooth transition. Our post outlines the essential details about Montenegro healthcare for expats, highlighting its key features to guide expats through the essentials of obtaining medical care in this Adriatic gem.

Healthcare in Montenegro: Infrastructure

Montenegro’s healthcare system has significantly improved in recent years, aiming to provide quality medical services to its citizens and expatriate residents. The country boasts a mix of public and private healthcare facilities, focusing on enhancing the quality of care and accessibility. Over the past decade, significant efforts have been made to modernize and improve the quality of healthcare services, emphasizing aligning standards with those of the European Union.


Public Healthcare in Montenegro

Montenegro’s public healthcare system is funded through mandatory contributions from employees and employers. Expatriates who are legal residents and employed in the country also contribute to this fund. As a result, they are entitled to access the public healthcare system and benefit from the essential medical services it provides for public health. While the public system has seen improvements, it’s important to note that there might still be limitations in terms of facilities, waiting times, and language barriers.


Private Montenegro Healthcare for Expats

The private healthcare sector in Montenegro has experienced significant growth, offering expatriates access to more specialized and efficient medical services. Private clinics and hospitals are concentrated in major cities like Podgorica and coastal towns frequented by tourists. Private hospitals and clinics are often well-equipped and staffed by English-speaking healthcare professionals, which can ease communication for expats.

Navigating Montenegro Healthcare for Expats

As a relocating foreigner in Montenegro, several key considerations should guide your approach to Montenegro healthcare for expats:

  1. Emergency Services: Call 112 for immediate assistance or 124 for an ambulance in emergencies. Private clinics often have their emergency departments as well.
  2. Registration: Expats must register with the local authorities and obtain a residence permit. This process often includes health insurance verification, demonstrating your commitment to responsible healthcare planning
  3. Prescription Medications: Expats relying on specific medications should ensure their availability in Montenegro. Some medicines may require special permits for import, so research and planning are essential.
  4. Routine Check-ups and Specialists: Private healthcare facilities offer a range of specialists and services. It’s advisable to schedule routine check-ups and screenings to manage your health proactively.

Vaccinations: Stay up-to-date with vaccinations recommended for Montenegro. Consult your healthcare provider for guidance on necessary immunizations.

Medical Facilities in Montenegro

Montenegro’s major cities, such as Podgorica and Budva, host several modern medical facilities that cater to expatriates. Some notable hospitals include:

Clinical Center of Montenegro (KCCG): Located in Podgorica, KCCG is the country’s largest and most comprehensive public hospital. It offers a wide range of medical services and has been actively upgrading its facilities.

Medical Centar Budva: This private medical center boasts state-of-the-art equipment and a team of skilled healthcare professionals, offering both health clinics and a range of aesthetic procedures catering to the needs of expats.

Opšta Bolnica Kotor: The General Hospital of Kotor is a prominent healthcare institution in the picturesque coastal town of Kotor in Montenegro. This modern medical facility is a crucial healthcare hub for residents and regional visitors. Opšta Bolnica Kotor is renowned for its commitment to providing high-quality medical care and a wide range of healthcare services.

Health Insurance in Montenegro for Expats

For expatriates, having comprehensive health insurance in Montenegro is crucial to ensure access to high-quality medical care and to minimize out-of-pocket expenses. Some employers may offer health insurance as part of their expat packages, but individuals should also explore private health insurance options. These policies can provide coverage for public and private healthcare services, offering flexibility and peace of mind.

International Health Insurance 

Many expats opt for international health insurance plans from companies such as Cigna Global and Allianz Care that provide coverage in Montenegro and other countries. These plans offer comprehensive coverage, including emergency medical evacuation and repatriation. International health insurance provides peace of mind, ensuring you receive top-notch medical care when needed, even if you travel outside Montenegro. 

Local Health Insurance 

Some expats may enroll in the Montenegrin public healthcare system, which requires residency or a temporary residence permit. This option can be cost-effective, especially if you plan to stay in Montenegro long-term. However, awareness of potential limitations and language barriers within the public healthcare system is essential.

Private Health Insurance 

Private health insurance plans tailored for expats are also available in Montenegro. These plans offer coverage for private healthcare facilities, ensuring prompt access to medical services without needing residency. Expats can choose from various coverage options to suit their needs and budget, and a popular provider in Montenegro is Uniqa.

Does Montenegro accept the European Health Insurance Card?

The EHIC and the PRC are recognized in most European nations (EU, EEA, Switzerland, United Kingdom, Northern Macedonia, Serbia, Bosnia-Hercegovina, and Montenegro) based on bilateral agreements.


Your New Address in Montenegro


If you are looking into Montenegro healthcare for expats, you must be planning to relocate to this Balkan gem. Never before has it been so simple to find the ideal place to call home in Montenegro. If you’re looking for a stunning apartment in Kotor with the right location and easy access to first-rate amenities, Royal Town Kotor is your best choice. You can profit from this developing market with the potential for remarkable capital growth by buying real estate in Montenegro. 

We introduced exceptional property for sale in Montenegro to numerous foreign investors as the creators and developers of two outstanding luxury serviced residences. Numerous investors now have access to Kotor apartments for sale and Tivat apartments for sale thanks to our large-scale initiatives, allowing them to purchase real estate in Montenegro’s most prestigious areas. Investing in Montenegro real estate at Royal Town Kotor offers a unique opportunity to own a piece of history. Our apartments for sale in Kotor are affordable compared to other European coastal cities and allow you to experience the splendor of life in Montenegro. 

A Healthy Start to Living in Montenegro

Montenegro’s healthcare system has come a long way, evolving to accommodate the needs of its growing expatriate population. If you are considering moving to this picturesque country, you should ensure adequate health insurance coverage and familiarize yourself with public and private Montenegro healthcare for expats options. With a blend of stunning landscapes and advancing medical infrastructure, Montenegro offers expatriates a unique combination of health and lifestyle benefits that are becoming increasingly attractive on the global stage. 

To start a new chapter in your life in Montenegro, get in touch with us right now. Our excited local experts are waiting to answer any questions you may have.

All rights of these persons prepared by Api Investment Doo (“API Group”) belong to API Group. All of these rights will be used, which will be greatly liked or not used, distributed, distributed, benefited from the use.

Leave a Reply