Health insurance is a system to cover health care costs in advance, through contributions (Bismarck system) or taxes uplaćaju in a mutual fund or the Bureau of Health Insurance for all or some health services defined by law, regulations or insurance policy (with private insurance). Health insurance in Central Europe may be related to limited or comprehensive range of health services and can serve as a fully or partially cover the costs of certain services, drugs or medical devices. Benefits may consist of the right to certain health services or reimbursement for certain costs to the insured. State health insurance regulated and managed by the state, private insurance is also regulated by law and guided by the insurance company or other private agencies having a license. Health insurance may be compulsory and voluntary. Compulsory health insurance covers the basic package of health services prescribed by law. Voluntary insurance is insurance that concluded that those persons who are not necessarily provided by law, whether for basic or additional package of services (insurance coverage).
The most important principle of health insurance is the principle of solidarity. Each policyholder and insured person receiving the document in the form of health insurance cards, credit cards, smart cards and the like.