North Macedonia Health Insurance for Expats

International Health Insurance for Expats in North Macedonia

If you are planning to move or travel to North Macedonia, you may have questions regarding how their healthcare system works, as well as whether private health insurance in North Macedonia is needed.

This brief guide offers valuable information about North Macedonia and its healthcare system and offers useful travel tips for expats and travelers alike. Read on to discover more about international health insurance for expatriate life in North Macedonia.

Recommended International Health Insurance Plans for Expatriates Living in North Macedonia

Overview of North Macedonia’s Public and Private Healthcare

The Ministry of Health (MOH) oversees the country’s healthcare system and governs the North Macedonia Health Insurance Fund (HIF), which is responsible for collecting contributions, allocating funds, supervising nationwide operations, and contracting healthcare providers.

In North Macedonia, all citizens, long-term residents, and expats—provided they have registered—are eligible to receive free state-funded healthcare. The country offers universal public healthcare, which covers unlimited visits to primary healthcare doctors and services.

There is also the option of accessing the private healthcare system on a subsidized basis for certain treatments that aren’t covered by the public system.

Public Healthcare in North Macedonia

The public healthcare system in North Macedonia has undergone significant improvements over the last few decades, although the standards are deemed lower than in other European countries and are subject to long queues and bottlenecks.

Generally, the public healthcare system provides most of the medical services within the country free of charge. These include:

• Treatment by specialists
• Hospitalization
• Emergency treatment, including ambulance transportation
• Home visits by doctors
• Dental treatment of oral diseases
• Surgical operations
• Pregnancy and childbirth services
• Rehabilitation

Listed below are some of the best public hospitals in North Macedonia, known for their facilities and services:

• University Clinical Center (Skopje): This is the largest healthcare institution in North Macedonia, providing a comprehensive range of services and serving as a primary referral hospital for specialized treatments.
• Institute of Oncology and Radiology (Skopje): A highly regarded center specializing in cancer treatment and advanced radiological services.
• Clinical Hospital (Bitola): Known for its modern facilities, this hospital serves as a regional hub for medical care in southern North Macedonia.
• General Hospital (Ohrid): A reputable institution offering a range of healthcare services, including emergency care, and situated in a major tourist destination.

Private Healthcare in North Macedonia

Private clinics are run and managed by independent doctors and specialists. All equipment and personnel are funded by the doctors themselves and through private insurance contributions. This makes private healthcare most desired among expatriates in North Macedonia.

If you choose to visit a doctor at a private clinic, you will not be covered by state healthcare and are required to have private health insurance or make an out-of-pocket payment for all services rendered.

Listed below are some of the best private hospitals in North Macedonia, known for their facilities and services:

• Acibadem Sistina Clinical Hospital (Skopje): One of North Macedonia's premier private healthcare providers, Acibadem Sistina offers a wide range of services, including oncology, cardiology, and general surgery. It is renowned for its modern infrastructure and internationally accredited standards​.
• Specialized Hospital for Surgical Diseases Zan Mitrev Clinic (Skopje): Known for advanced surgical treatments, this hospital specializes in cardiac care and complex surgeries. It has been a leading name in modern medicine and is highly regarded for its high-quality services​.
• Neuromedica Hospital (Skopje and Kumanovo): With over 30 years of experience, Neuromedica provides 24/7 medical services, including diagnostics and home care. Its advanced diagnostic equipment and multidisciplinary team make it a trusted choice for private healthcare.

Health Insurance Options for Expats in North Macedonia

Expats in North Macedonia have the option of either public or private health insurance. Private health insurance is a more popular option among expats, who opt for shorter wait times and higher-quality services.

Public Health Insurance in North Macedonia

North Macedonia offers a public healthcare system funded through mandatory social security contributions. As an expat employed by a local company, you are typically enrolled automatically into this system. Coverage includes a wide range of medical services, such as:

• General practitioner consultations
• Hospitalization
• Specialist care
• Emergency services

Public healthcare may not meet the expectations of expatriates due to limited resources, language barriers, or longer waiting times. It is also important to note that coverage may only be available for specific services and facilities, often requiring supplemental insurance.

Private Health Insurance in North Macedonia

Private health insurance is the most preferred option for expatriates in North Macedonia. This option enables expatriates to receive higher-quality treatments at the best medical facilities, access to English-speaking doctors and specialists, and shorter wait times.

International Health Insurance Plans for Expatriates Living in North Macedonia

Expats in North Macedonia can choose from a variety of policies offered by international insurance companies such as Cigna, AXA, Allianz, April International, Bupa Global, and many more. Below, we will discuss each provider and provide a summary of the features offered by each plan.

Cigna Global Insurance Plan

Cigna offers global health plans with different tiers (Silver, Gold, and Platinum) that cover services such as hospitalization, inpatient and day patient treatments, emergency evacuation, and preventive care. This flexibility makes Cigna a preferred option for those needing adaptable coverage.

Some examples of shared coverage by all Cigna insurance plans include:

AXA

AXA Global health insurance provides various levels of customizable coverage, including options for hospitalization, outpatient treatments, emergency care, and medical evacuation. AXA’s plans are popular among expats for their flexibility, with coverage for a wide range of health services across multiple levels.

Some examples of shared coverage by all AXA insurance plans include:

Allianz

Allianz offers international insurance plans that can cover hospitalization, surgeries, diagnostics, and outpatient care. Expats in North Macedonia can add riders for dental and optical services to any basic plan, providing a tailored insurance experience that accommodates different health needs.

Some of the basic coverage for their plans includes:

April International

April International specializes in health insurance tailored to expats, offering plans that cover hospitalization, outpatient services, dental, and maternity. Known for user-friendly mobile claims and support, April International also has 24/7 telemedicine service and a vast direct billing network.

Some of the shared coverage across their plans are:

Facts to Consider When Choosing Health Insurance in North Macedonia

Selecting health insurance as an expatriate in North Macedonia involves carefully assessing your medical needs, coverage options, network of providers, geographical coverage, flexibility, additional benefits, and customer service. Here are the key factors to consider:

• Public vs. Private Coverage: Public health insurance in North Macedonia is primarily accessible to residents, and expats often need to meet specific residency criteria to qualify. For non-residents or temporary visitors, private health insurance becomes essential, as public healthcare may not cover them​.
• Scope of Coverage: Evaluate the breadth of services included, such as hospitalization, outpatient care, dental treatments, and preventive care. Ensure that your plan covers essential services and includes benefits like maternity, mental health, and emergency evacuation​.
• Network of Providers: Consider whether the insurer has partnerships with reputable hospitals and clinics in North Macedonia. Access to a strong provider network can ensure quality care and reduce out-of-pocket expenses. Check if your preferred facilities are within the network​.
• Geographical Coverage: Many expats travel frequently or return to their home countries periodically, so opt for a plan that offers international coverage to accommodate your mobility. International insurers often provide access to a global network, ensuring seamless care while traveling​.
• Flexibility and Customization: Choose plans that allow customization, such as adjusting deductibles, co-pays, or coverage levels. This flexibility ensures your insurance aligns with your specific medical and financial needs.
• Affordability and Costs: Balance premium costs with the level of coverage provided. While affordability is crucial, prioritize comprehensive plans to avoid unexpected financial burdens. Review the claims process and out-of-pocket expenses to gauge overall value​.
• Additional Benefits: Look for plans offering added benefits like telemedicine, wellness programs, and support for navigating the local healthcare system. These services can significantly enhance convenience and accessibility.
• Customer Service: Reliable, multilingual support is vital when navigating a new healthcare system. Ensure your insurer provides 24/7 customer service and a straightforward claims process to reduce stress during medical emergencies​.

Health and Safety Tips for Expats and Travelers in North Macedonia

North Macedonia is a culturally rich and historically significant destination, offering beautiful landscapes and warm hospitality. To ensure a safe and enjoyable stay, it’s important to stay informed about local health services, safety measures, and cultural norms.

• Emergency Contacts: Dial 112 for all emergencies, including police, medical, and fire services. It’s wise to save your embassy or consulate’s contact details for urgent situations.
• Healthcare Access: Public healthcare is available but can have long wait times. Many expats opt for private health insurance for quicker access and higher quality care. Research English-speaking clinics, particularly in cities like Skopje, to ensure comfort during medical visits.
• Vaccinations: Check that routine vaccinations like tetanus, hepatitis A and B, and measles are current. Travelers heading to rural areas should consult their doctor about additional precautions, such as protection against tick-borne diseases.
• Food and Water Safety: Tap water is safe to drink in cities, but stick to bottled water in remote areas. Exercise caution with street food by avoiding raw or undercooked items, especially meat or seafood.
• Pharmacies and Medications: Pharmacies are easy to find and usually marked with a green cross. Many over-the-counter medications are available, and some pharmacists speak English, though bringing a written list of required medications is advisable.
• Pickpocketing and Scams: Stay vigilant in crowded areas like markets and tourist sites. Keep your valuables secure, and be cautious of overly persistent vendors or unsolicited offers, as they may be scams.
• Public Transportation: Buses and taxis are affordable and common in cities. Confirm taxi fares before traveling if meters are unavailable. Rural transportation can be less reliable, so plan trips carefully.
• Local Customs and Laws: Smoking and drinking alcohol are restricted in certain public areas, so familiarize yourself with local laws. Dress modestly and respectfully when visiting religious or cultural sites.
• Driving and Road Safety: If driving, ensure you have an international driving permit. Road conditions in rural areas may be poor, so drive cautiously, especially at night or during icy winter conditions.
• Identification: Always carry valid ID, such as a passport or residence permit. Authorities may conduct random checks, so having identification on hand is essential.
• Cultural Sensitivity: Learn basic phrases in North Macedonian or Albanian to show respect and foster goodwill. Avoid discussing political or ethnic topics, as they can be sensitive subjects.
• Weather Preparedness: North Macedonia’s climate varies, with sudden changes possible in mountainous areas. Wear suitable clothing, carry gear if exploring nature, and stick to marked trails for safety.

Frequently Asked Questions

Is it advisable to get private health insurance for North Macedonia?

Travelers and expatriates visiting North Macedonia are advised to take out a comprehensive international health insurance policy before arriving in the country. The publicly funded healthcare system is only available to residents.

Is medical evacuation cover useful for an expat in North Macedonia?

Medical evacuation is considered useful, especially when expats are far from home and unfamiliar with the healthcare system they have access to. Securing medical evacuation cover will ensure effective management of medical treatment during emergencies.

Are vaccinations required to enter North Macedonia?

While no specific vaccinations are required for entry into North Macedonia, travelers should ensure routine vaccinations such as tetanus, hepatitis A, and measles are up-to-date. Those venturing into rural or remote areas may need additional precautions, such as vaccines for tick-borne diseases.

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