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Calculator of health insurance

The most frequent questions regarding the voluntary health insurance of foreign citizens

Sava Insurance provides necessary medical assistance in case of illness or accident during the stay, temporary residence, work, or studies of foreign nationals in Montenegro. This policy covers a wide range of medical services, including outpatient and inpatient treatment, prescribed medications and materials, emergency surgeries, hospital transportation, as well as dental services in case of acute toothache.
You schedule appointments yourself – you choose the doctor and healthcare institution as you wish, without the need to contact a call center or send an email. All healthcare institutions in Montenegro are available to you.

By purchasing the voluntary health insurance policy you can provide the insurance with the coverage of up to EUR 20,000 per insured. It is possible to effect the insurance for a period of one year.

the price of voluntary health insurance is determined by the amount of the agreed sum insured, age of the insured and policy duration period. It is required that you enter the above data into our calculator of health insurance and click on “the next step” after which you will receive the information on the amount of the desired voluntary health insurance premium for foreign citizens.

In a simple, safe and fast manner, through just a few clicks, on our web shop, you can contract the voluntary health insurance for foreign citizens and thus provide the necessary policy for regulating your stay in Montenegro. You can buy insurance from the comfort of your home by filling in the calculator of health insurance where it is necessary to enter the type of insurance (individual or family), beginning and end of staying in Montenegro, age of the insured, and determine the coverage in Euros. After that, you should click on the “Next step” and the screen will display the amount of the desired voluntary health insurance policy for foreign citizens. When you enter the personal data and make online payment of the insurance costs, you will get the policy and Terms and Conditions of insurance via electronic mail.

You can report the damage personally in one of the psubsidiaries of Sava insurance or online, by following the instructions that you will find in the following link: Claims report online | Sava insurance

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With this type of insurance you may insure maximum 5 persons and in case of a larger number of persons, please contact us by calling the phone number: + 382 20 40 30 20 or by sending an email to the address: info@sava.co.me.

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Information on insurance


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