Healthcare in Montenegro for expats – guide to the Montenegrin Health System

Montenegro’s healthcare system operates on a social health insurance model, which was revised in 2022 to be fully funded by taxes. As cited on the official website of the government of Montenegro, currently, over 95% of the Montenegrin population is covered by this system. The Ministry of Health, the Health Insurance Fund, and public and private healthcare institutions share responsibilities in providing medical services nationwide.

The organisation of health care in Montenegro is structured into three tiers: primary, secondary, and tertiary. Primary care is delivered through general practitioners (GPs) and family doctors, while more complex cases are referred to specialist clinics or hospitals. The Clinical Centre of Montenegro, the country’s primary referral hospital, provides tertiary care, which includes highly specialised treatments.

Montenegro is actively enhancing its healthcare system with support from the European Union (EU), focusing on improving institutional capacities and further advancing the quality of healthcare services. This collaboration reflects the country’s commitment to providing safe and efficient medical care for all citizens.