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Montenegro Healthcare
 
 
 

Montenegro has a good standard of compulsory, state funded healthcare. Medical staff are extremely well trained. All citizens are entitled by law to equal access to healthcare. The Ministry of Health is responsible for overseeing the system and the Republican Health Fund is in charge of the insurance fund and executing government policy. In 2004, the government of Montenegro introduced new laws concerning healthcare and funding, thus establishing a solid basis for a modern and efficient health system. Private healthcare is also available.

Employers must register their employees with the health insurance fund when a new employee starts work. Employees and employers pay 13.5% into the healthcare fund, which is split with the employer paying 6% of employee salaries and the employee paying 7.5%. Dependant family members are covered by the contributions paid by employed family members. The unemployed, old age pensioners and people on long-term sickness benefit or maternity leave do not have to pay healthcare contributions. Foreigners immigrating to Montenegro without jobs must produce proof of private health insurance in order to obtain their residence permit.

Self-employed persons and farmers must pay the full 13.5% contribution rate, this is calculated according to the taxable revenue from self-employment, and the base cannot be lower than the average wage in the country for the month that the contribution is paid in.

The state fund covers most medical services including treatment by specialists, hospitalisation, prescriptions, pregnancy and childbirth and rehabilitation.

Health centres known as Dom Zdravljas and there are 18 throughout the country. Health centres only provide outpatient care but they do offer a wide variety of specialist services. Health centres are staffed by qualified doctors and nurses. They are responsible for general medicine, paediatrics, maternity care, home visits and treatment, dental care, laboratory and radiological diagnostics and emergency services.

Consultants are senior doctors who have completed a higher level of specialised training. GPs refer patients to a consultant if he believes that a patient may need specialist help and diagnosis. There are numerous specialist fields of medicine in Montenegro like gynaecology, oncology, paediatrics and dermatology. There is often a waiting list to see consultant doctors.

The number of hospitals in Montenegro is within the European average. Hospitals and clinics exist in all major towns and cities and fall into two categories general and specialised. There are seven general and three specialist hospitals. Patients are admitted to hospital either through the emergency department or through a referral by their doctor. Once a patient is admitted treatment is controlled by one of the hospital doctors.

There are around 100 private practices in Montenegro, which are provided by independent office-based doctors and specialists. The premises, equipment and personnel are funded by the doctors themselves and largely by private insurance contributions, but it is used only by a limited percentage of people, often as a top up to the basic state healthcare and to cover them for the services deemed non-essential.

Dispensing chemists sell medicines in the country. Some are state owned and others are privately owned. The privately owned chemists are well stocked with most essential drugs and basic supplies. Only doctors and consultants can prescribe medicine in Montenegro.

 
 


 



 


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