Studying in Serbia is an exciting journey. With its rich culture and lively cities, Serbia attracts many international students. However, a crucial step is selecting the right health insurance. This isn’t merely a formality for visas or university admission; it’s essential for ensuring access to prompt, quality healthcare when necessary.
Serbia’s healthcare combines public and private services. The state funds public healthcare, granting citizens wide access. International students might access it based on visa and enrollment, but most opt for private insurance. Why? It provides faster appointments, English-speaking staff, and international coverage.Why Private Health Insurance Is Essential in Serbia
Let’s be honest—medical issues rarely happen at a convenient time. If you’re studying far from home, dealing with an unfamiliar system in a new language can make it harder.
With private international health insurance, you can:
- Get direct access to private hospitals and clinics.
- Avoid long waiting times for specialists.
- Communicate with doctors and support staff in English.
- Receive coverage for medical care outside Serbia if needed.
Universities and Serbian immigration demand proof of sufficient health insurance, covering emergency care, hospitalization, and possibly repatriation.
The 10 Most Recommended Health Insurance Providers for Students in Serbia
Serbia lacks an official ranking for health insurers, yet international education networks, insurance brokers, and student advisors highly recommend certain providers. These insurers offer robust global networks, extensive benefits, and features tailored for students.
1. Cigna Global
Cigna Global is a leading choice for international students worldwide. They offer highly customizable plans that can be adjusted for your budget and coverage needs.
Why it works for students in Serbia:
- High annual coverage limits for peace of mind.
- Options for inpatient, outpatient, dental, and mental health services.
- Worldwide coverage, including trips outside Serbia.
Pro Tip: Choose a plan that includes medical evacuation. If you ever need specialist care that’s not available locally, this can save you thousands.
2. Allianz Care
Allianz Care is a global insurance brand with a reputation for reliability and strong claims support.
Benefits for students in Serbia:
- Direct billing arrangements with many private hospitals.
- Customizable plans that meet most university and visa requirements.
- 24/7 multilingual assistance for emergencies.
3. Bupa Global
Bupa Global is known for premium-level coverage and access to some of the best hospitals worldwide.
Why students choose Bupa:
- Comprehensive preventive care and wellness benefits.
- Strong mental health support.
- International reach, ideal for students who travel during their studies.
Note: Bupa’s premium coverage comes at a higher cost, so it’s better suited to students with bigger budgets or full scholarships.
4. IMG (International Medical Group)
IMG offers several popular student plans, such as Student Secure and Student Health Advantage.
Why it’s a strong option:
- Affordable tiered plans for different budgets.
- Includes mental health and telemedicine support.
- Emergency evacuation and repatriation included in most plans.
Tip: If you’re staying for only a semester, IMG offers short-term coverage options that still meet visa requirements.
5. AXA Global Healthcare
AXA is a major international insurer with a strong global hospital network.
Advantages for students:
- Tiered plans ranging from basic to comprehensive.
- Direct billing arrangements with partner clinics.
- Optional wellness and preventive care modules.
6. William Russell
William Russell specializes in expat-focused insurance, offering clear, jargon-free policy documents.
Why it’s appealing:
- Flexible international health plans for students.
- Coverage in multiple currencies.
- Excellent reputation for customer service.
7. Now Health International
Now Health is known for its efficient, digital-first approach.
Why students like it:
- Fast claims processing.
- Affordable packages that still cover essentials like hospitalization and evacuation.
- Worldwide coverage for travel outside Serbia.
8. Indigo Expat
Indigo Expat offers specialized products for young expatriates, including students aged 18–30.
Why it’s a good fit:
- First-euro coverage (no deductible before benefits apply).
- Tailored plans that cover medical care, evacuation, and repatriation.
- Designed specifically for mobile students and young professionals.
9. International Student Insurance (ISI)
ISI is a broker that works with several of the global providers above to offer student-focused plans.
Why it’s useful:
- Quick issuance of visa-compliant insurance certificates.
- Coverage tailored for university requirements.
- English-speaking support teams familiar with student needs.
10. Local Serbian Providers: Dunav Osiguranje & Generali Serbia
These established local insurers offer voluntary health insurance policies designed for foreign students.
Why consider local coverage:
- Affordable annual premiums.
- Access to a network of local private clinics.
- Easy to arrange through your university or after arrival in Serbia.
Tip: Some universities have partnerships with local insurers, making the process faster and sometimes cheaper.
READ MORE: Health Insurance for International Students in Norway: What You Need to Know (and Who to Trust)
Global vs. Local Coverage
Here’s the difference:
Global insurers like Cigna, Allianz, and Bupa give you:
- Access to medical care worldwide.
- Higher benefit limits.
- Multilingual customer service.
Local insurers like Dunav and Generali give you:
- Lower premiums.
- Local compliance for visa and enrollment.
- Coverage mainly within Serbia.
Many students choose both—a local policy for legal compliance and a global policy for wider protection.
Key Features to Prioritize in a Policy
No matter which provider you choose, make sure your plan includes:
- Inpatient and Outpatient Treatment – So you’re covered for both hospital stays and everyday medical visits.
- Emergency Medical Services and Evacuation – Critical in emergencies where specialist care is needed outside Serbia.
- Repatriation – Covers the cost of returning home if medically necessary.
- Mental Health and Telemedicine – Support that can be accessed anywhere, anytime.
- Direct Billing – So you don’t have to pay upfront and wait for reimbursement.
- Compliance with University/Visa Requirements – Saves time and avoids problems at enrollment.
Practical Steps to Choosing Your Plan
Here’s how to approach the decision:
- Check with Your University – They may have specific requirements or preferred insurers.
- Decide on Coverage Scope – Will you travel during your studies? If yes, choose global coverage.
- Compare Benefits and Exclusions – Look closely at limits for mental health, sports injuries, and pre-existing conditions.
- Check Hospital Networks – Make sure there are private clinics near your city in Serbia.
- Consider Claim Processes – Online claims and multilingual support make a big difference.
Common Mistakes to Avoid
- Waiting until arrival – Visa applications often require proof of insurance beforehand.
- Focusing only on price – Cheaper policies may exclude important benefits.
- Ignoring mental health coverage – Cultural and academic transitions can be stressful.
- Skipping evacuation coverage – Crucial if specialized care isn’t available locally.
Final Thoughts
In Serbia, health insurance is essential, acting as your safety net. The right plan saves time, stress, and money, ensuring quality care. Options range from Cigna Global’s flexibility to Dunav Osiguranje’s local expertise, catering to every student’s needs and budget. Start early, compare options, and ensure your choice meets legal and personal requirements. With insurance sorted before arrival, you can focus on studies, friendships, and living in Serbia.
Insurance Companies Mentioned
- Cigna Global
- Allianz Care
- Bupa Global
- IMG (International Medical Group)
- AXA Global Healthcare
- William Russell
- Now Health International
- Indigo Expat
- International Student Insurance (ISI)
- Dunav Osiguranje (local Serbian provider)
- Generali Serbia (local Serbian provider)
References:
- Allianz Care. (2025). International health insurance for students. Allianz Partners. https://www.allianzcare.com
- AXA Global Healthcare. (2025). International health insurance plans. AXA. https://www.axaglobalhealthcare.com
- Bupa Global. (2025). International health insurance for students. Bupa Global. https://www.bupaglobal.com
- Cigna. (2025). International student health insurance plans. Cigna Global. https://www.cignaglobal.com
- Dunav Osiguranje. (2025). Voluntary health insurance for foreigners. Dunav Insurance Company. https://www.dunav.com
- Generali Serbia. (2025). Health insurance for foreigners. Generali Osiguranje Srbija. https://www.generali.rs
- IMG. (2025). International student medical insurance plans. International Medical Group. https://www.imglobal.com
- Indigo Expat. (2025). Health insurance plans for expatriates and students. Indigo Expat. https://www.indigo-expat.com
- International Student Insurance. (2025). Health insurance for international students. https://www.internationalstudentinsurance.com
- Now Health International. (2025). Health insurance for international students. Now Health International. https://www.now-health.com
- William Russell. (2025). International health insurance for students and young adults. William Russell. https://www.william-russell.com
