The Croatian Health Insurance Fund (Croatian: Hrvatski zavod za zdravstveno osiguranje or HZZO) is a quasi-public body that administers the universal health care system in Croatia. Established in 1993, the HZZO is the country's national social health insurance fund and its primary source of health financing. In 2019, 4.18 million people received health insurance coverage through HZZO.[1]
The HZZO is overseen by a director and a board of directors, appointed by the Croatian government on the recommendation of the Minister of Health.[2] These directors represent the insured population, the Ministry of Health, the Ministry of Finance and independent general practitioners.[3] A central office located in the Croatian capital of Zagreb, sets policies that are implemented by branch offices in each of the country's 21 counties.[3]
All health care providers that receive public funds are required to negotiate annual contracts with the HZZO that set prices and payment plans.[4]
Fundingedit
Compulsory health insurance contributions form 76% of the fund's income. About a third of the population - those in employment - are liable to pay full contributions.[5]
In 1993, the HZZO was created by the Croatian Parliament in order to consolidate the fragmented and decentralized health care system which had been inherited from the Socialist Federal Republic of Yugoslavia.[7][8] The 1993 law recognized patient choice as a principle through a mandatory payroll tax of 15%[4] and allowing the use of private supplementary plans.[9] The Health Care Law of 1993 also guaranteed patients rights which includes access to information about their health, and the ability to refuse examination and treatment.[10]
In July 2001, the Ministry of Health under Ana Stavljenić-Rukavina issued a policy statement entitled "The Strategy and Plan for the Reform of the Health Care System and Health Insurance of the Republic of Croatia." Noting that such factors as the country's aging and the generous benefits established since 1993 threatened the fund's sustainability,[11] the paper proposed reducing the amount of basic services that are free at the point of use, which would result in the HZZO becoming less dependent on payroll contributions.[12] In order to increase revenue, the 2002 Health Insurance Law introduced higher copayments for hospital and specialist services. These services include diagnostic tests and prescription drugs. It also created a voluntary insurance policy that would complement the mandatory coverage each citizen received.[13] After 2002, citizens were no longer allowed to opt out of the public insurance system.[14]
Referencesedit
^ abcIzvješće o poslovanju Hrvatskog zavoda za zdravstveno osiguranje za 2019. godinu(PDF) (in Croatian). Croatian Health Insurance Fund. February 2020. Retrieved 20 July 2020.
^Vončina, Luca; Džakula, Aleksandar; Mastilica, Miroslav (2007). "Health care funding reforms in Croatia: a case of mistaken priorities" (PDF). Health Policy. 80 (1): 144–157. doi:10.1016/j.healthpol.2006.02.016. PMID 16621119. Retrieved 12 June 2013. p. 4.
^ abVončina, L.; Strizrep, T.; Bagat, M.; Pezelj-Duliba, D.; Pavić, N.; Polašek, O. (2012). "Croatian 2008–2010 health insurance reform: Hard choices toward financial sustainability and efficiency". Croatian Medical Journal. 53 (1): 66–76. doi:10.3325/cmj.2012.53.66. PMC3284176. PMID 22351581. p. 3.
^"The Health Systems and Policy Monitor". Croatia. Vol. 16, no. 3. European Observatory on Health Systems and Policies. 2014. Retrieved 10 February 2016.
^Vulic, Spaso; Healy, Judith (1999). "Health Care Systems in Transition: Croatia" (PDF). European Observatory on Health Systems. Retrieved 12 June 2013. {{cite journal}}: Cite journal requires |journal= (help) p. 6.
^Letica, Gordana; Račić, Tatjana (2002). (PDF). 27th International Congress of Actuaries. Archived from the original (PDF) on 31 March 2014. Retrieved 16 June 2013.
^Bosanac, Sanja Babić; Borovečki, Ana; Fišter, Kristina (2008). "Patients' rights in the Republic of Croatia – between the law and reality" (PDF). Medicinski Glasnik. 5 (1). Medical Association of Zenica-Doboj Canton: 37–43. Retrieved 12 June 2013. p. 38.
^Vončina, Luca; Jemiai, Nadia; Merkur, Sherry; Golna, Christina; Maeda, Akiko; Chao, Shiyan; Džakula, Aleksandar (2006). "Croatia: Health System Review" (PDF). Health Systems in Transition. 8 (7). European Observatory on Health Systems and Policies: 1–108. Retrieved 12 June 2013. p. 33.
External linksedit
Official website(in Croatian)
January 01, 1970
croatian, health, insurance, fund, croatian, hrvatski, zavod, zdravstveno, osiguranje, hzzo, quasi, public, body, that, administers, universal, health, care, system, croatia, established, 1993, hzzo, country, national, social, health, insurance, fund, primary,. The Croatian Health Insurance Fund Croatian Hrvatski zavod za zdravstveno osiguranje or HZZO is a quasi public body that administers the universal health care system in Croatia Established in 1993 the HZZO is the country s national social health insurance fund and its primary source of health financing In 2019 4 18 million people received health insurance coverage through HZZO 1 Croatian Health Insurance FundHrvatski zavod za zdravstveno osiguranjeAgency overviewFormed21 August 1993 1993 08 21 Headquarters3 Margaretska Street Zagreb CroatiaEmployees2 285 31 Dec 2019 1 Annual budgetHRK 25 0 billion c 3 3 billion 2019 1 Minister responsibleVili Beros Minister of HealthAgency executiveLucian Vukelic DirectorWebsitewww wbr hzzo wbr hr Contents 1 Organization 2 Funding 3 History 4 References 5 External linksOrganization editThe HZZO is overseen by a director and a board of directors appointed by the Croatian government on the recommendation of the Minister of Health 2 These directors represent the insured population the Ministry of Health the Ministry of Finance and independent general practitioners 3 A central office located in the Croatian capital of Zagreb sets policies that are implemented by branch offices in each of the country s 21 counties 3 All health care providers that receive public funds are required to negotiate annual contracts with the HZZO that set prices and payment plans 4 Funding editCompulsory health insurance contributions form 76 of the fund s income About a third of the population those in employment are liable to pay full contributions 5 History editThe Constitution of Croatia adopted in December 1990 declared that health care is a human right 6 In 1993 the HZZO was created by the Croatian Parliament in order to consolidate the fragmented and decentralized health care system which had been inherited from the Socialist Federal Republic of Yugoslavia 7 8 The 1993 law recognized patient choice as a principle through a mandatory payroll tax of 15 4 and allowing the use of private supplementary plans 9 The Health Care Law of 1993 also guaranteed patients rights which includes access to information about their health and the ability to refuse examination and treatment 10 In July 2001 the Ministry of Health under Ana Stavljenic Rukavina issued a policy statement entitled The Strategy and Plan for the Reform of the Health Care System and Health Insurance of the Republic of Croatia Noting that such factors as the country s aging and the generous benefits established since 1993 threatened the fund s sustainability 11 the paper proposed reducing the amount of basic services that are free at the point of use which would result in the HZZO becoming less dependent on payroll contributions 12 In order to increase revenue the 2002 Health Insurance Law introduced higher copayments for hospital and specialist services These services include diagnostic tests and prescription drugs It also created a voluntary insurance policy that would complement the mandatory coverage each citizen received 13 After 2002 citizens were no longer allowed to opt out of the public insurance system 14 References edit a b c Izvjesce o poslovanju Hrvatskog zavoda za zdravstveno osiguranje za 2019 godinu PDF in Croatian Croatian Health Insurance Fund February 2020 Retrieved 20 July 2020 Voncina Luca Dzakula Aleksandar Mastilica Miroslav 2007 Health care funding reforms in Croatia a case of mistaken priorities PDF Health Policy 80 1 144 157 doi 10 1016 j healthpol 2006 02 016 PMID 16621119 Retrieved 12 June 2013 p 4 a b Voncina Jemiai Merkur et al 2006 p 19 a b Voncina L Strizrep T Bagat M Pezelj Duliba D Pavic N Polasek O 2012 Croatian 2008 2010 health insurance reform Hard choices toward financial sustainability and efficiency Croatian Medical Journal 53 1 66 76 doi 10 3325 cmj 2012 53 66 PMC 3284176 PMID 22351581 p 3 The Health Systems and Policy Monitor Croatia Vol 16 no 3 European Observatory on Health Systems and Policies 2014 Retrieved 10 February 2016 Vulic Spaso Healy Judith 1999 Health Care Systems in Transition Croatia PDF European Observatory on Health Systems Retrieved 12 June 2013 a href Template Cite journal html title Template Cite journal cite journal a Cite journal requires journal help p 6 Voncina Jemiai Merkur et al 2006 p 13 Voncina Dzakula Mastilica 2007 p 2 Letica Gordana Racic Tatjana 2002 Model for private health insurance in Croatia PDF 27th International Congress of Actuaries Archived from the original PDF on 31 March 2014 Retrieved 16 June 2013 Bosanac Sanja Babic Borovecki Ana Fister Kristina 2008 Patients rights in the Republic of Croatia between the law and reality PDF Medicinski Glasnik 5 1 Medical Association of Zenica Doboj Canton 37 43 Retrieved 12 June 2013 p 38 Voncina Jemiai Merkur et al 2006 p 14 Voncina Dzakula Mastilica 2007 pp 7 8 Voncina Jemiai Merkur et al 2006 p 89 Voncina Luca Jemiai Nadia Merkur Sherry Golna Christina Maeda Akiko Chao Shiyan Dzakula Aleksandar 2006 Croatia Health System Review PDF Health Systems in Transition 8 7 European Observatory on Health Systems and Policies 1 108 Retrieved 12 June 2013 p 33 External links editOfficial website nbsp in Croatian Retrieved from https en wikipedia org w index php title Croatian Health Insurance Fund amp oldid 1101318807, wikipedia, wiki, book, books, library,
