{"id":60175,"date":"2021-05-24T13:34:09","date_gmt":"2021-05-24T12:34:09","guid":{"rendered":"https:\/\/stage.dunav.com\/dobrovoljno-zdravstveno-osiguranje\/"},"modified":"2025-12-11T21:49:34","modified_gmt":"2025-12-11T20:49:34","slug":"voluntary-health-insurance","status":"publish","type":"page","link":"https:\/\/stage.dunav.com\/en\/insurance\/health\/voluntary-health-insurance\/","title":{"rendered":"Voluntary health insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][vc_single_image image=&#8221;60178&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1611311743889{margin-top: 3em !important;margin-bottom: 3em !important;}&#8221;][vc_column css=&#8221;.vc_custom_1611583666982{background-color: #f7f7f7 !important;}&#8221;]<style type=\"text\/css\" 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15px;\n}<\/style><div class=\"icon-with-text-shortcode  icon-text-id-cd4a7355dfc1ea55de50505fa928d6b5 layout-1  vc_custom_1633080014171 \" ><span   class=\"text-icon dt-icon-bg-off dt-icon-hover-off\" ><span class=\"icon-inner\"><i class=\"dt-regular-icon soc-icon fas fa-quote-left\"><\/i><i class=\"dt-hover-icon soc-icon fas fa-quote-left\"><\/i><\/span><\/span><h5 class=\"dt-text-title\"  >Let us opt for health<\/h5><div class=\"dt-text-desc\">Take out insurance for yourself and your near and dear ones. Health is life and the road to health is our common goal, so let us set off for keeping our greatest wealth. Choose the best for yourself and your team.<\/div><\/div>[\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;ex-full&#8221; bg_color_value=&#8221;#f3f3f3&#8243; css=&#8221;.vc_custom_1621429284602{padding-top: 3em !important;padding-bottom: 3em !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2>Whom is this insurance inteded for?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629455415825{padding-top: 1.5em !important;padding-bottom: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_column_text]<\/p>\n<ul>\n<li>persons in the capacity of an insured person covered by compulsory health insurance;<\/li>\n<li>persons not covered by compulsory health insurance;<\/li>\n<li>foreign nationals temporary residing in the Republic of Serbia.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1621429252914{margin-top: 3em !important;margin-bottom: 3em !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2>Scope of cover may include:<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629455423662{padding-top: 1.5em !important;padding-bottom: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_column_text]<\/p>\n<ul>\n<li>outpatient treatment;<\/li>\n<li>hospital treatmentt;<\/li>\n<li>costs of pregnancy and childbirth;<\/li>\n<li>prescription drugs;<\/li>\n<li>ophthalmological services;<\/li>\n<li>dental services;<\/li>\n<li>preventive healthcare (general check-up);<\/li>\n<li>medical rehabilitation in outpatient treatment.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;ex-full&#8221; bg_color_value=&#8221;#f3f3f3&#8243; css=&#8221;.vc_custom_1621429284602{padding-top: 3em !important;padding-bottom: 3em !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2>Types of voluntary health insurance:<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629455434821{padding-top: 1.5em !important;padding-bottom: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_column_text]<\/p>\n<h3>Individual voluntary health insurance<\/h3>\n<p>is intended for individuals with registered residence\/address in the Republic of Serbia;<\/p>\n<p>&nbsp;<\/p>\n<h3>Group voluntary health insurance<\/h3>\n<p>is intended for persons who are employees or members of personnel on any other grounds[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1621429252914{margin-top: 3em !important;margin-bottom: 3em !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2>What You need to do if You required the service of a doctor?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629455440389{padding-top: 1.5em !important;padding-bottom: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_column_text]Call the Medical Call Centre, the operator will refer you to one of the healthcare institutions where you may exercise your rights under the agreed scope of cover and agreed insurance period.[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;ex-full&#8221; bg_color_value=&#8221;#f3f3f3&#8243;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1624888807123{margin-top: 3em !important;margin-bottom: 3em !important;background-color: #ffffff !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1624885967768{padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; offset=&#8221;vc_col-lg-2 vc_col-md-2 vc_col-xs-6&#8243;][vc_single_image image=&#8221;59604&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221; lazy_loading=&#8221;true&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-2 vc_col-md-2 vc_col-xs-6&#8243;][vc_column_text css=&#8221;.vc_custom_1765486171163{padding-left: 1em !important;}&#8221;]<\/p>\n<h5 style=\"text-align: left;\"><strong><a class=\"ponuda\" href=\"https:\/\/stage.dunav.com\/en\/insurance\/health\/instructions-for-the-volutery-health-policyholder\/\" target=\"_blank\" rel=\"noopener\">Instructions for the Policyholder<\/a><\/strong><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-2 vc_col-md-2 vc_col-xs-6&#8243;][vc_single_image image=&#8221;59602&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221; lazy_loading=&#8221;true&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-2 vc_col-md-2 vc_col-xs-6&#8243;][vc_column_text css=&#8221;.vc_custom_1705393184805{padding-left: 1em !important;}&#8221;]<\/p>\n<h5 style=\"text-align: left;\"><strong><a class=\"ponuda\" href=\"https:\/\/stage.dunav.com\/en\/insurance\/health\/healthcare-provider-directory\/\" target=\"_blank\" rel=\"noopener\">Healthcare provider directory<\/a><\/strong><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-2 vc_col-md-2 vc_col-xs-6&#8243;][vc_single_image image=&#8221;65318&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221; lazy_loading=&#8221;true&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-2 vc_col-md-2 vc_col-xs-6&#8243;][vc_column_text css=&#8221;.vc_custom_1727781402250{padding-left: 1em !important;}&#8221;]<\/p>\n<h5 style=\"text-align: left;\"><strong><a class=\"ponuda\" href=\"https:\/\/stage.dunav.com\/en\/customer-care\/medical-appointments\/\" target=\"_blank\" rel=\"noopener\">Schedule a medical appointment<\/a><\/strong><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; css=&#8221;.vc_custom_1633590963940{padding-top: 3em !important;padding-bottom: 3em !important;}&#8221; bg_color_value=&#8221;#ffffff&#8221;][vc_column][vc_column_text]<\/p>\n<h2>Important questions<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629455448901{padding-top: 1.5em !important;padding-bottom: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_row_inner gap=&#8221;25&#8243;][vc_column_inner width=&#8221;1\/2&#8243;][vc_toggle title=&#8221;Can group policy include the family members of employees?&#8221; style=&#8221;square&#8221; color=&#8221;peacoc&#8221; custom_font_container=&#8221;tag:h5|font_size:15|text_align:left&#8221; custom_use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1633432611989{padding-bottom: 20px !important;}&#8221; use_custom_heading=&#8221;true&#8221;]Insurance may cover family members and\/or spouse or common law partner of the Insured, as well as the Insured\u2019s biological children or adoptees up to 26 years of age.[\/vc_toggle][vc_toggle title=&#8221;Period and territorial scope of Voluntary Health Insurance Contract&#8221; style=&#8221;square&#8221; color=&#8221;peacoc&#8221; custom_font_container=&#8221;tag:h5|font_size:15|text_align:left&#8221; custom_use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1633432637302{padding-bottom: 20px !important;}&#8221; use_custom_heading=&#8221;true&#8221;]The insurance contract is written for a definite period not exceeding one year, with possible extensions. The agreed insurance cover is valid on the territory of the Republic of Serbia. By way of exception, the insurance cover may extend to the territory of other countries, but only for the members of group members who live and work in a foreign country.[\/vc_toggle][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_toggle title=&#8221;How is insurance premium determined?&#8221; style=&#8221;square&#8221; color=&#8221;peacoc&#8221; custom_font_container=&#8221;tag:h5|font_size:15|text_align:left&#8221; custom_use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1633432654567{padding-bottom: 20px !important;}&#8221; use_custom_heading=&#8221;true&#8221;]The insurance premium depends on the agreed sum insured, insurance period, scope of cover, age at entry of the Insured, and other criteria.<br \/>\nPremium is payable in Dinars, within the due dates defined under the insurance contract.[\/vc_toggle][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; 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dashed;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-border-dotted.dt-icon-hover-border-on:after {\n  border-style: dotted;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-border-double.dt-icon-hover-border-on:after {\n  border-style: double;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:hover {\n  font-size: 40px;\n}\n#page .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:hover .soc-font-icon,\n#phantom .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:hover .soc-font-icon,\n#page .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:hover .soc-icon,\n#phantom .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:hover .soc-icon {\n  color: #fff;\n  background: none;\n}\n#page .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:not(:hover) .soc-font-icon,\n#phantom .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:not(:hover) .soc-font-icon,\n#page .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:not(:hover) .soc-icon,\n#phantom .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-on:not(:hover) .soc-icon,\n#page .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-off .soc-font-icon,\n#phantom .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-off .soc-font-icon,\n#page .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-off .soc-icon,\n#phantom .icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .text-icon.dt-icon-hover-off .soc-icon {\n  color: #ffffff;\n  background: none;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484.layout-1 {\n  grid-template-columns: 60px minmax(0,1fr);\n  grid-column-gap: 10px;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484.layout-2 {\n  grid-template-columns: minmax(0,1fr) 60px;\n  grid-column-gap: 0px;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484.layout-2 .text-icon {\n  margin-left: 0;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484.layout-3 {\n  grid-template-columns: 60px minmax(0,1fr);\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484.layout-3 .dt-text-title {\n  margin-left: 10px;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .dt-text-title,\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .dt-text-title a {\n  color: #ffffff;\n  background: none;\n  font-weight: bold;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .dt-text-title {\n  margin-bottom: 0px;\n}\n.icon-with-text-shortcode.icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 .dt-text-desc {\n  color: #ffffff;\n  background: none;\n  margin-bottom: 0px;\n}<\/style><div class=\"icon-with-text-shortcode  icon-text-id-460739b3f81eb5045e2cc7b3bcfe6484 layout-1  vc_custom_1633432702259 \" ><span   class=\"text-icon dt-icon-bg-off dt-icon-hover-off\" ><span class=\"icon-inner\"><i class=\"dt-regular-icon soc-icon fas fa-info\"><\/i><i class=\"dt-hover-icon soc-icon fas fa-info\"><\/i><\/span><\/span><div class=\"dt-text-desc\">This text is for information only. More detailed information and a proposal tailored to your needs are available at all points of sale of the Company or by calling 0800 386 286 free of charge.<\/div><\/div>[\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1648032876150{margin-top: 3em !important;margin-bottom: 3em !important;}&#8221;][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1648045985969{background-color: #f3f3f3 !important;}&#8221;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.shortcode-single-image-wrap.shortcode-single-image-97afb8716f586ddac2cf836a60d23aa8.enable-bg-rollover .rollover i,\n.shortcode-single-image-wrap.shortcode-single-image-97afb8716f586ddac2cf836a60d23aa8.enable-bg-rollover .rollover-video i {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.shortcode-single-image-wrap.shortcode-single-image-97afb8716f586ddac2cf836a60d23aa8 .rollover-icon {\n  font-size: 32px;\n  color: #ffffff;\n  min-width: 44px;\n  min-height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  border-style: solid;\n  border-width: 0px;\n}\n.dt-icon-bg-on.shortcode-single-image-wrap.shortcode-single-image-97afb8716f586ddac2cf836a60d23aa8 .rollover-icon {\n  background: rgba(255,255,255,0.3);\n  box-shadow: none;\n}<\/style><div class=\"shortcode-single-image-wrap shortcode-single-image-97afb8716f586ddac2cf836a60d23aa8 alignnone  enable-bg-rollover dt-icon-bg-off\" style=\"margin-top:0px; margin-bottom:0px; margin-left:0px; margin-right:0px; width:1000px;\"><div class=\"shortcode-single-image\"><div class=\"fancy-media-wrap  layzr-bg\" style=\"\"><img fetchpriority=\"high\" decoding=\"async\" class=\"preload-me lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20350%20350&#39;%2F%3E\" data-src=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2022\/06\/uslovi-350-350-s-2.jpg\" data-srcset=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2022\/06\/uslovi-350-350-s-2.jpg 350w\" loading=\"eager\" sizes=\"(max-width: 350px) 100vw, 350px\" width=\"350\" height=\"350\"  data-dt-location=\"https:\/\/stage.dunav.com\/en\/insurance\/health\/support-in-treating-critical-illnesses\/uslovi-350-350-s-2-2\/\" style=\"--ratio: 350 \/ 350;\" alt=\"\" \/><\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1648046094626{background-color: #f3f3f3 !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1671458243887{padding-top: 35% !important;padding-bottom: 25% !important;padding-left: 10% !important;}&#8221;]<\/p>\n<h5 style=\"text-align: left;\"><a class=\"fancybox-inline\" href=\"#uslovi\">Terms and conditions<\/a><\/h5>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1648045973597{padding-top: 1.5em !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;ex-full&#8221; bg_color_value=&#8221;#f3f3f3&#8243;][vc_column][vc_column_text css=&#8221;.vc_custom_1633432342192{margin-top: 1.6em !important;}&#8221;]<\/p>\n<h2>Recommended<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629456008310{padding-top: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_row_inner gap=&#8221;15&#8243; css=&#8221;.vc_custom_1634218334676{margin-top: 2em !important;margin-bottom: 2em !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1671439952683{background-color: #ffffff !important;}&#8221;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.shortcode-single-image-wrap.shortcode-single-image-e14d94254253435e1b5a73d017d0790d.enable-bg-rollover .rollover i,\n.shortcode-single-image-wrap.shortcode-single-image-e14d94254253435e1b5a73d017d0790d.enable-bg-rollover .rollover-video i {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.shortcode-single-image-wrap.shortcode-single-image-e14d94254253435e1b5a73d017d0790d .rollover-icon {\n  font-size: 32px;\n  color: #ffffff;\n  min-width: 44px;\n  min-height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  border-style: solid;\n  border-width: 0px;\n}\n.dt-icon-bg-on.shortcode-single-image-wrap.shortcode-single-image-e14d94254253435e1b5a73d017d0790d .rollover-icon {\n  background: rgba(255,255,255,0.3);\n  box-shadow: none;\n}<\/style><div class=\"shortcode-single-image-wrap shortcode-single-image-e14d94254253435e1b5a73d017d0790d alignnone fadeIn animate-element  enable-bg-rollover dt-icon-bg-off\" style=\"margin-top:0px; margin-bottom:0px; margin-left:0px; margin-right:0px; width:500px;\"><div class=\"shortcode-single-image\"><div class=\"fancy-media-wrap  layzr-bg\" style=\"\"><img decoding=\"async\" class=\"preload-me lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20500%20282&#39;%2F%3E\" data-src=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2021\/06\/podrska-pri-lecenju-500x280-1.jpg\" data-srcset=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2021\/06\/podrska-pri-lecenju-500x280-1.jpg 500w\" loading=\"eager\" sizes=\"(max-width: 500px) 100vw, 500px\" width=\"500\" height=\"282\"  data-dt-location=\"https:\/\/stage.dunav.com\/en\/insurance\/property\/personal\/podrska-pri-lecenju-500x280-2\/\" style=\"--ratio: 500 \/ 282;\" alt=\"\" \/><\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1634219160698{padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}&#8221;]<\/p>\n<h5 style=\"text-align: center;\"><strong>Support in treatment of specific illnesses<\/strong><\/h5>\n<p style=\"text-align: center;\">The costs of treatment can be extremely high and can become a real challenge for an already strained family budget. Take out insurance of persons against critical illnesses and surgical interventions \u2026<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">#default-btn-023dce442b948b0e8390c6609346a1ff.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-023dce442b948b0e8390c6609346a1ff > i {\n  margin-right: 8px;\n}<\/style><div class=\"btn-align-center\"><a href=\"https:\/\/stage.dunav.com\/en\/insurance\/health\/support-in-treating-critical-illnesses\/\" class=\"default-btn-shortcode dt-btn dt-btn-m link-hover-off  vc_custom_1671709109160\" id=\"default-btn-023dce442b948b0e8390c6609346a1ff\" title=\"Support in treating critical illnesses\"><span>LEARN MORE<\/span><\/a><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1671439959819{background-color: #ffffff !important;}&#8221;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.shortcode-single-image-wrap.shortcode-single-image-751ba3fabaeec33e891ee4441a7342bd.enable-bg-rollover .rollover i,\n.shortcode-single-image-wrap.shortcode-single-image-751ba3fabaeec33e891ee4441a7342bd.enable-bg-rollover .rollover-video i {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.shortcode-single-image-wrap.shortcode-single-image-751ba3fabaeec33e891ee4441a7342bd .rollover-icon {\n  font-size: 32px;\n  color: #ffffff;\n  min-width: 44px;\n  min-height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  border-style: solid;\n  border-width: 0px;\n}\n.dt-icon-bg-on.shortcode-single-image-wrap.shortcode-single-image-751ba3fabaeec33e891ee4441a7342bd .rollover-icon {\n  background: rgba(255,255,255,0.3);\n  box-shadow: none;\n}<\/style><div class=\"shortcode-single-image-wrap shortcode-single-image-751ba3fabaeec33e891ee4441a7342bd alignnone fadeIn animate-element  enable-bg-rollover dt-icon-bg-off\" style=\"margin-top:0px; margin-bottom:0px; margin-left:0px; margin-right:0px; width:500px;\"><div class=\"shortcode-single-image\"><div class=\"fancy-media-wrap  layzr-bg\" style=\"\"><img decoding=\"async\" class=\"preload-me lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20500%20282&#39;%2F%3E\" data-src=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2021\/06\/zo-zastita-500x280-1.jpg\" data-srcset=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2021\/06\/zo-zastita-500x280-1.jpg 500w\" loading=\"eager\" sizes=\"(max-width: 500px) 100vw, 500px\" width=\"500\" height=\"282\"  data-dt-location=\"https:\/\/stage.dunav.com\/en\/osiguranje\/imovina\/osiguranje-licne-imovine\/zo-zastita-500x280\/\" style=\"--ratio: 500 \/ 282;\" alt=\"\" \/><\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1634218540765{padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}&#8221;]<\/p>\n<h5 style=\"text-align: center;\"><strong>Protection<\/strong><\/h5>\n<p style=\"text-align: center;\">You should make sure that your family is not left with the burden of debts, unpaid loan instalments, tuition expenses! Accidents cannot be foreseen or prevented, but their unwanted financial consequences may be alleviated.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">#default-btn-d0a1b747cde38813b1b60dbe4a1e28ca.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-d0a1b747cde38813b1b60dbe4a1e28ca > i {\n  margin-right: 8px;\n}<\/style><div class=\"btn-align-center\"><a href=\"https:\/\/stage.dunav.com\/en\/insurance\/life\/protection\/\" class=\"default-btn-shortcode dt-btn dt-btn-m link-hover-off  vc_custom_1671709120111\" id=\"default-btn-d0a1b747cde38813b1b60dbe4a1e28ca\" title=\"Protection\"><span>LEARN MORE<\/span><\/a><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1671439966970{background-color: #ffffff !important;}&#8221;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.shortcode-single-image-wrap.shortcode-single-image-71c675cc5ebbf14c879ab20512183036.enable-bg-rollover .rollover i,\n.shortcode-single-image-wrap.shortcode-single-image-71c675cc5ebbf14c879ab20512183036.enable-bg-rollover .rollover-video i {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.shortcode-single-image-wrap.shortcode-single-image-71c675cc5ebbf14c879ab20512183036 .rollover-icon {\n  font-size: 32px;\n  color: #ffffff;\n  min-width: 44px;\n  min-height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  border-style: solid;\n  border-width: 0px;\n}\n.dt-icon-bg-on.shortcode-single-image-wrap.shortcode-single-image-71c675cc5ebbf14c879ab20512183036 .rollover-icon {\n  background: rgba(255,255,255,0.3);\n  box-shadow: none;\n}<\/style><div class=\"shortcode-single-image-wrap shortcode-single-image-71c675cc5ebbf14c879ab20512183036 alignnone fadeIn animate-element  enable-bg-rollover dt-icon-bg-off\" style=\"margin-top:0px; margin-bottom:0px; margin-left:0px; margin-right:0px; width:500px;\"><div class=\"shortcode-single-image\"><div class=\"fancy-media-wrap  layzr-bg\" style=\"\"><img decoding=\"async\" class=\"preload-me lazy-load aspect\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#39;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#39;%20viewBox%3D&#39;0%200%20500%20282&#39;%2F%3E\" data-src=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2021\/06\/zo-stednja-i-zastita-500x280-1.jpg\" data-srcset=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2021\/06\/zo-stednja-i-zastita-500x280-1.jpg 500w\" loading=\"eager\" sizes=\"(max-width: 500px) 100vw, 500px\" width=\"500\" height=\"282\"  data-dt-location=\"https:\/\/stage.dunav.com\/en\/osiguranje\/automobili\/kasko-osiguranje\/zo-stednja-i-zastita-500x280\/\" style=\"--ratio: 500 \/ 282;\" alt=\"\" \/><\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1634218501222{padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}&#8221;]<\/p>\n<h5 style=\"text-align: center;\"><strong>Savings and protection<br \/>\n<\/strong><\/h5>\n<p style=\"text-align: center;\">If you invest in this type of life insurance, it means that you responsibly and timely think about your future and the future of your loved ones. This insurance is intended for persons who want to save toward a carefree future and, at the same time&#8230;<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">#default-btn-5c36ec0212852afb0e757171e3cdcd66.ico-right-side > i {\n  margin-right: 0px;\n  margin-left: 8px;\n}\n#default-btn-5c36ec0212852afb0e757171e3cdcd66 > i {\n  margin-right: 8px;\n}<\/style><div class=\"btn-align-center\"><a href=\"https:\/\/stage.dunav.com\/en\/insurance\/life\/savings-and-protection\/\" class=\"default-btn-shortcode dt-btn dt-btn-m link-hover-off  vc_custom_1671709131048\" id=\"default-btn-5c36ec0212852afb0e757171e3cdcd66\" title=\"Savings and protection\"><span>LEARN MORE<\/span><\/a><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<div id=\"uslovi\">\n<h2><\/h2>\n<h2><div class=\"gap\" style=\"line-height: 20px; height: 20px;\"><\/div><\/h2>\n<h2><strong>Download terms and conditions<\/strong><\/h2>\n<h2><div class=\"gap\" style=\"line-height: 20px; height: 20px;\"><\/div><\/h2>\n<h4><a href=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2025\/01\/Opsti-uslovi-DZO-ENG-2025.pdf\">Voluntary health insurance general terms and conditions<\/a><\/h4>\n<h2><div class=\"gap\" style=\"line-height: 10px; height: 10px;\"><\/div><\/h2>\n<h4><a href=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2025\/01\/Posebni-uslovi-za-individualno-DZO-ENG-2025.pdf\">Special terms and conditions for individual voluntary health insurance<\/a><\/h4>\n<h2><div class=\"gap\" style=\"line-height: 10px; height: 10px;\"><\/div><\/h2>\n<h4><a href=\"https:\/\/stage.dunav.com\/wp-content\/uploads\/2025\/01\/Posebni-uslovi-za-kolektivno-DZO-ENG-2025.pdf\">Special terms and conditions for group voluntary health insurance<\/a><\/h4>\n<\/div>\n<div id=\"uslovi\">\n<h2><\/h2>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][vc_single_image image=&#8221;60178&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1611311743889{margin-top: 3em !important;margin-bottom: 3em !important;}&#8221;][vc_column css=&#8221;.vc_custom_1611583666982{background-color: #f7f7f7 !important;}&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;ex-full&#8221; bg_color_value=&#8221;#f3f3f3&#8243; css=&#8221;.vc_custom_1621429284602{padding-top: 3em !important;padding-bottom: 3em !important;}&#8221;][vc_column][vc_column_text] Whom is this insurance inteded for? [\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; css=&#8221;.vc_custom_1629455415825{padding-top: 1.5em !important;padding-bottom: 1.5em !important;}&#8221; accent_color=&#8221;#40a8db&#8221;][vc_column_text] persons in the capacity of an insured person covered by compulsory health insurance; persons&hellip;<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":60419,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60175","page","type-page","status-publish","hentry","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Voluntary health insurance - Dunav osiguranje<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Voluntary health insurance - Dunav osiguranje\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][vc_single_image image=&#8221;60178&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; image_hovers=&#8221;false&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1611311743889{margin-top: 3em !important;margin-bottom: 3em !important;}&#8221;][vc_column css=&#8221;.vc_custom_1611583666982{background-color: #f7f7f7 !important;}&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;ex-full&#8221; bg_color_value=&#8221;#f3f3f3&#8243; css=&#8221;.vc_custom_1621429284602{padding-top: 3em !important;padding-bottom: 3em !important;}&#8221;][vc_column][vc_column_text] Whom is this insurance inteded for? 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