STEP-BY-STEP ROUTE · HEALTHCARE & INSURANCE
Health insurance on an individual basis
A residence permit and foreigner’s card are not health insurance.
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.
Open a step to see the action and its relevant official link. Required documents may depend on your case; check the list for your grounds before filing.
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01Separate residence status from insurance entitlement
What to do
A residence permit and foreigner’s card are not health insurance. Identify the applicable route: employment, family, an international agreement or inclusion in compulsory insurance as determined by RFZO. Do not pay contributions before your basis is established.
Where to go
RFZO branch serving your registered address.
What to prepare
- Passport, valid residence document and foreign-national number
- Details of employment, family and foreign insurance
02Submit information for assessment of your insurance basis
What to do
RFZO describes registration for a foreign national without an applicable international agreement where temporary residence is registered and a foreign-national number assigned. This is not a promise of free cover: request assessment of your basis, required evidence and contribution obligations.
Where to go
RFZO insured-person registration officer.
What to prepare
- Passport and proof of temporary residence
- Foreign-national number; evidence of any other applicable basis
Example enquiry
An illustrative example, not an official form. Use the prescribed form where required.
Please determine my health-insurance basis. My residence status is [type], foreign-national number [number]. I [am/am not] employed and [have/do not have] foreign cover. Please specify evidence, contributions and the coverage start date. This is an enquiry example, not an official form.
03Obtain the decision and arrange contributions
What to do
If RFZO admits you with self-paid contributions, obtain written terms, amount, payment deadline and instructions. Keep receipts. Payment obligations do not end simply because you stop seeing a doctor: changes or termination must be processed with RFZO.
Where to go
RFZO; an accountant or tax adviser for contribution questions.
What to prepare
- Decision or registration confirmation
- Payment instructions and receipts
04Obtain KZO/PZK and check coverage
What to do
After activation, apply for KZO and request PZK while it is being produced. Check your details and active insurance period. If no public basis is established, consider private cover separately; a private policy is not an RFZO card.
Where to go
Your RFZO branch; your chosen health centre after coverage confirmation.
What to prepare
- Identity document, LBO and KZO application
- Card-production payment evidence if required
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, valid residence document and foreign-national number
- Details of employment, family and foreign insurance
- Passport and proof of temporary residence
- Foreign-national number; evidence of any other applicable basis
- Decision or registration confirmation
- Payment instructions and receipts
- Identity document, LBO and KZO application
- Card-production payment evidence if required
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 RFZO individual insurance-basis enquiry
- Prepared: Individual insurance preparation sheet
- Confirm your basis with RFZO and meet the applicable obligations.
- Provide originals and sign prescribed forms.
Open the full specimen, copy its text or download the document. Required authority forms follow that institution’s rules; certification is performed by an authorised professional.
Package contents and review sheet · How to use the prepared output
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