Insurance policies

Croatia osiguranje insurance policies at OTP banka branches may be arranged as of 01 June 2015. Experience and the quality of the service of Croatia osiguranje have ensured it a respectable market position in the domain of non-life insurance, with supplemental health insurance available from Croatia zdravstveno osiguranje, a subsidiary of Croatia osiguranje, as an extra element in the offer.

Croatia property - insurance package for construction part and household items

By securing household items, you choose one of 3 programs depending on the purpose of the property: accommodated, non - accommodated and apartments. The insurance covers the following risks: fire, direct lightning, explosion, crash and hit by aircraft, manifestation and demonstration, storm, hail, flood, torrent, landslide , avalanche and snow pressure, water spill from water and sewer pipes.



Insurance against accidents

Choose one of predefined packages Klasik, Klasik plus (Model 1 and Model 2), Aktiv and Aktiv+ and get insured against personal accidents. The main risks covered by the policy are permanent disability and death as a result of an accident. In order to arrange a policy you do not need a medical check-up, and the insurance premium is identical for all persons, regardless of age, occupation and health condition.


Property insurance – the structure

Whether dealing with your house, flat, holiday home or a self-catering apartment, your property (the structure) may be insured against the following risks: fire and lightning strike, blasts, storms, hailstorm, crash of your own or an unknown person's motor vehicle into the insured property, the crash or impact of an aircraft, demonstrations, flood, torrents and high water, water and sewage system spills, and supplemental coverage for insurance against earthquake, owner's liability, land-slides (applies to houses). An insurance policy may be agreed for one or several years (the insurance policy may also be collateralised, at a discount).


  • 5% where the insurance is agreed for a period between 5 and 9 years
  • 10% where the insurance lasts 10 years and longer
  • 5% for cash payments


Croatia imovina – insurance package for the property structure and household items

The insurance package by which we insure the structural part of the property and household items. By insuring the structural part of the property, you are insured against the following risks: fire, direct strike of lightning, storms, blasts, crash of a motor vehicle, crash and impact of an aircraft, public gathering, demonstration and strike, hailstorm, flood, torrents and high water, water and sewage system spills.

Upon insuring household items, the customer opts for one out of 3 programmes, depending on the type of property: occupied, unoccupied and self-catering apartments.

The insurance covers the following risks: fire, direct strike of lightning, blast, crash and impact of an aircraft, demonstration, storm, hailstorm, flood, torrents, landslides, avalanche and snow load damage, water and sewage system spills.


Travel health insurance

Should all of a sudden your trip take „a different turn“, your travel insurance will cover the medical costs incurred due to an accident or illness whilst abroad. In addition to the basic insurance policy, you may get insurance against accompanying risks: additional accident, loss of luggage, liability and Croatia assistance.


Supplementary health insurance

 Croatia supplementary health insurance for only HRK 70 per month covers all types of supplementary benefits in compulsory health insurance without restrictions:
 - In primary health care
 - For specialist examinations
 - For diagnostics
    - For laboratory testing
 - For physical therapy
 - For dental medicine services
    - For orthopedic and other aids
 - For hospital treatment
 - For prescription medicine *

* Extra coverage: You can arrange surcharge with the supplementary health insurance policy (B list of medicines - two packs of each medicine by unnamed name) starting from HRK 29 per month