STEP-BY-STEP ROUTE · HEALTHCARE & INSURANCE
Health insurance through employment
Ask HR to confirm compulsory social-insurance registration and its start date.
Free step-by-step guide
This guide is based on official sources. Requirements, forms and local procedures may change, so open the link in the relevant step and check the current version before filing.
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01Obtain registration confirmation from your employer
What to do
Ask HR to confirm compulsory social-insurance registration and its start date. An employment contract alone does not replace registry registration; permission to work and health insurance are separate issues.
Where to go
Your employer’s HR/payroll department; RFZO if records are incorrect.
What to prepare
- Passport and foreign-national identification number
- Employment contract and registration confirmation supplied by your employer
02Check personal details and insurance status
What to do
Check your name, foreign-national number and registration date. If the record is missing, have your employer correct registration first. An entrepreneur arranges registration and contributions themselves, usually with an accountant.
Where to go
The RFZO branch holding your insurance registration.
What to prepare
- Passport, residence document and registration confirmation
- LBO insurance number, if already assigned
03Apply for a KZO card
What to do
Once insurance is active, submit the prescribed card application to RFZO. Obtain current payment instructions from your branch rather than copying someone else’s payment slip. Ask whether your employer submits a collective application.
Where to go
Your competent RFZO branch; an electronic service if available to your account.
What to prepare
- Official KZO application form
- Identity document, LBO and payment evidence following RFZO instructions
04Obtain a PZK certificate and choose a doctor
What to do
While the card is being made, request a PZK certificate from RFZO. Then contact a health centre to select a doctor and present your card or PZK with identification. Do not wait for the plastic card if RFZO has confirmed active insurance.
Where to go
RFZO for PZK; your health-centre reception for doctor selection.
What to prepare
- KZO card or PZK certificate, passport
- Doctor-selection declaration supplied by the health centre
Translation and filing
Translation and certification
Before translating a foreign-issued record, ask the receiving institution whether it needs a Serbian translation by a court-certified translator (sudski tumač), whether an apostille/legalization is required, and in which order. Requirements differ by country and document. An ordinary or automatic translation is not a certified translation when certification is required.
What happens next
File only through the confirmed method. Keep a copy of the submission, case/application number and proof of receipt. Ask how to check status, when to expect a reply and what to do if more information is requested.
Document overview and case variants
What may be required
- Passport and foreign-national identification number
- Employment contract and registration confirmation supplied by your employer
- Passport, residence document and registration confirmation
- LBO insurance number, if already assigned
- Official KZO application form
- Identity document, LBO and payment evidence following RFZO instructions
- KZO card or PZK certificate, passport
- Doctor-selection declaration supplied by the health centre
Compare this list with the documents in each step and the chosen authority's requirements. You can read the guide and prepare the package yourself without submitting a request.
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Route, official sources, preliminary document list and a clear next step.
Work completed in the specimen case:
- Prepared: Completed employer insurance-registration request
- Prepared: Employee insurance preparation sheet
- Provide originals and obtain registration confirmation.
- The authorised service issues the card and establishes insurance status.
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