Private Medical Insurance (DMS) in Serbia: An Overview of Options for a Residence Permit
Overview of Popular Insurance Companies for Residence Permits
When applying for a residence permit (VNZH) in Serbia, having a medical insurance policy is a mandatory requirement. There are several major insurance companies on the market offering various service packages. The choice depends on whether you need the insurance solely for submitting documents or for actual medical care.
Among the most popular options for foreigners are Wiener osiguranje, Dunav Osiguranje, Generali, Triglav osiguranje, UNIQA osiguranje, and DDOR osiguranje. Each of them has its own terms, costs, and coverage limits, which should be carefully studied before purchasing.
Comparison: Wiener osiguranje vs. Dunav Osiguranje
| Parameter | Wiener osiguranje | Dunav Osiguranje |
|---|---|---|
| Annual cost | ~90 euros | ~13000 dinars |
| Coverage amount | 1000 euros | 150 euros |
| Doctor's appointments | 5 | 3 |
| Tests and diagnostics | Coverage up to 100 euros | 1 test and 1 diagnostic procedure |
For many, the main choice is between two budget options: Wiener and Dunav. Despite a similar annual cost, these policies offer completely different levels of coverage. Wiener osiguranje appears to be a much better deal, as it provides greater coverage and an expanded set of options.
For example, the policy from Wiener includes five doctor's visits, while Dunav is limited to three. There is also a significant difference in the coverage for diagnostic procedures and tests.
Thus, for almost the same price, Wiener offers much more substantial insurance protection.
Dunav Osiguranje: The Minimal Package for Formalities
Dunav Osiguranje is a private insurance company whose policy is often purchased solely to meet the formal requirement when applying for a residence permit. This is because its coverage is minimal, amounting to only 150 euros per year.
This limit is quickly exhausted even with minor medical consultations. Therefore, this option is suitable for those who need insurance only as a document for the immigration service, and not for comprehensive medical care.
Procedure for Obtaining a Policy at Dunav Osiguranje
The process of getting insurance at Dunav Osiguranje is quite simple and doesn't take much time. It usually takes about 15 minutes to process, and there are no long queues at their offices. Payment can be made either in cash or with a local bank card.
- International passport
- 'Beli karton' (registration of residence)
One of the central offices in Belgrade is located at Bulevar despota Stefana 64. It is open from Monday to Friday from 8:00 AM to 6:00 PM and on Saturday from 9:00 AM to 2:00 PM. There are other branches in the city; the nearest one can be found using online maps.
Generali: An Option for Extended Coverage
If you need more than just a formal document for your residence permit, but a reliable medical insurance with good coverage, you should consider offers from Generali. Their policies offer broader options and higher insurance payout limits.
This option is suitable for those who want to be sure of receiving quality medical care in Serbia without having to pay for expensive services out of pocket. The terms and costs of such policies should be clarified directly with the insurance company, as they can vary depending on the chosen program.
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