Understanding the healthcare system, insurance options, and medical facilities in Montenegro.
Healthcare is a key consideration for expats. Montenegro offers both public and private options, with improving quality and accessibility.
Montenegro has a public healthcare system funded through mandatory insurance contributions, plus a growing private sector.
Coverage - Available to residents paying into the system - EU citizens can use EHIC cards - Basic services generally adequate - Specialist care may have waiting times
Main Hospitals - Clinical Centre of Montenegro (Podgorica) - General Hospital Kotor - General Hospital Bar
Advantages - No waiting times - English-speaking staff - Modern facilities - Specialist services
Major Private Clinics - Codra Hospital (Podgorica) - Montefarm clinics (multiple locations) - Dental clinics throughout coastal area
For Residents - Mandatory state insurance via employment - Private top-up policies available - Costs: €50-150/month
For Non-Residents/Digital Nomads - International health insurance required - SafetyWing, Cigna, Allianz popular choices - Costs: €100-300/month
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