Information about the Montenegrin Health system and insurance system.

The healthcare system in Montenegro consists mainly of public and private healthcare providers. Health services are regulated and supervised by the Montenegrin Ministry of Health. In Montenegro, citizens and those who are insured can benefit from health services within the scope of public health insurance. Insurance premiums are deducted from salaries and other sources of income. Employers are also responsible for covering the health insurance of their employees. Services covered by health insurance in Montenegro include general healthcare, emergency assistance, hospital treatment, supply of medicines, laboratory tests, radiology services and other medical services. Insured people can generally receive service in public hospitals or private health institutions. Private health insurance is also available in Montenegro. Private insurance companies offer packages covering different healthcare services. These packages can cover a wider range of healthcare services and enable patients to receive services in private healthcare facilities. Although the healthcare system in Montenegro is generally at a good level, there may be some difficulties in accessing healthcare in some regions. It can be seen that health services are limited, especially in rural areas. For this reason, citizens can generally choose health institutions in big cities. As a result, the healthcare system in Montenegro consists of public and private healthcare providers. Citizens and insured people can benefit from health services through public health insurance. Private health insurance is also available. The healthcare system is generally good, but there may be difficulties in accessing healthcare in some areas.