Healthcare System in Montenegro: What Expats and Second-Home Buyers Need to Know

If you’ve ever wondered what would happen in a medical emergency while abroad, you’re not alone. International healthcare systems can be a bit confusing, and for that reason, we compiled key information you should be aware of when it comes to healthcare options in Montenegro.

If you’re planning to move to Montenegro or buy a second home here, knowing how the healthcare system works is key to feeling settled. The good news? Montenegro offers a mix of public services and growing private options, especially in urban areas where expats and second-home owners can find quality care easier than ever.

Understanding how the system works and what you should expect, can help ease the transition and allow you to focus on enjoying the benefits of your Mediterranean lifestyle. 

Key Things to Know About Healthcare in Montenegro

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Montenegro has a dual healthcare system with public and private sectors. Both are adapting to meet the needs of residents, tourists, and the fast-growing expat population.

• Public healthcare is widely accessible and state-funded for residents with insurance.
• Private healthcare is expanding rapidly, especially in the capital and on the coast - offering modern facilities and English-speaking staff.
• Not sure whether to go public or private? Many expats use both. They usually use public services for basic care and private clinics for specialist or immediate needs.

This flexibility gives you control over your healthcare experience and can be tailored to your lifestyle.

Public Healthcare in Montenegro

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Public healthcare in Montenegro is available to all residents registered with the national health insurance system. It includes access to general practitioners, hospital services, and specialist clinics.

While most towns, including Herceg Novi, offer general medical coverage, more advanced care may require travel to larger hospitals located in Podgorica, Nikšić, Kotor or Bar. Facilities in smaller areas may be modest, but the medical staff are known for being well-trained and compassionate.

Things to keep in mind:

• With public insurance, most services are either free or very affordable
• It could be useful to bring a translator or learn basic Montenegrin when visiting state-run clinics, especially outside of urban areas.
• Emergency care is available regardless of insurance status, but non-residents may be billed.

For everyday needs, the public system is a solid starting point, though some expats prefer private clinics for a smoother experience.

Behind the System: How Montenegro’s Public Healthcare Works

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• In 2022, Montenegro shifted to a fully tax-funded health insurance model.
• The Health Insurance Fund is the sole public purchaser of services.
• Primary care is delivered via 18 local health centers (“Dom Zdravlja”), while more complex cases are handled in hospitals across the country and the Clinical Centre of Montenegro in Podgorica.
• While coverage is broad, many residents still pay privately for faster services or non-reimbursed medications.

Private Healthcare in Montenegro

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Private healthcare is increasingly popular among expats and international homeowners thanks to its convenience and quality of care. Clinics tend to offer shorter wait times, modern equipment and multilingual staff, as well as access to specialists and diagnostic testing.

The cost of private care is significantly lower than in Western Europe, making it excellent value, especially for those seeking personalized attention or a real sense of security.

Health Insurance: Choose Options That Fit Your Lifestyle

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Your choice of health insurance in Montenegro will depend on your residency status and preferences.

• Public insurance is available to residents working or living in Montenegro, typically through salary deductions.
• Private health insurance can be purchased locally or through international providers, and is ideal for those splitting time between countries or seeking access to premium services.

Tip: Make sure you’re clear on your status - resident, tourist, or temporary visa holder - as this determines which type of insurance and care you’re eligible for.

Portonovi & Local Healthcare Access

Living in Portonovi offers unique advantages when it comes to healthcare. Residents benefit from proximity to local public and private clinics which offers a wide range of high-quality services in a premium setting.

For more advanced care, Portonovi’s location allows easy travel to larger centers like Podgorica or even international hospitals in Dubrovnik and Belgrade. If you’re a guest or long-term resident, you may also benefit from Portonovi’s lifestyle concierge services, which can assist with:

• Booking medical appointments
• Organizing transport to hospitals or specialists
• Recommending trusted healthcare providers in the area

Having these support systems in place means peace of mind is never far away. 

Additional Tips for a Healthy Life in Montenegro

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Sorting out your healthcare early makes settling in much smoother. Here’s how to stay ahead:

• Bring your medical records and prescriptions if you’re relocating permanently or for an extended stay.
• Secure the right insurance early on - public, private, or a hybrid plan that matches your lifestyle.
• Connect with local expats for word-of-mouth recommendations about doctors and clinics.
• While most basic care is covered, be prepared for some additional expenses, especially for prescription meds or faster specialist appointments.
• Take advantage of Montenegro’s natural health boosters: clean air, over 200 sunny days per year, fresh local produce, and an option to lead an active lifestyle by the sea or in the mountains. Prevention is the best cure for all diseases!

Wellness Starts with a Healthy Lifestyle

Montenegro isn’t just a beautiful place to live, it’s increasingly a place where you can live well. With accessible public healthcare, growing private healthcare options, and lifestyle services tailored to expats and international homeowners, you’ll find everything you need to have a peace of mind and feel at home. Because when your health is taken care of, everything else you get to enjoy here, from morning swims to sunset dinners, just feels better.

Whether you’re making Montenegro your new home or enjoying it seasonally, confidence in the healthcare system makes all the difference. With the support of communities like Portonovi, settling in is not only easy – but incredibly rewarding.