Register with RFZO and obtain a health card
We check your basis for coverage, prepare documents and support registration and obtaining a health card (zdravstvena kartica). RICS services from €120.
RICS CONSULTING
For you and your family
Health insurance
with clear terms
We help arrange public RFZO insurance or choose a private policy. We handle the documents and communication in Serbian, and explain the terms in English.
RFZO support from €120 · Private policy selection from €150
10 yearsof our experts’ experience
2000+client cases
across all service areas
across all service areas
The scope and price of our services are fixed in the contract
Where we begin
Two services for different needs
We help you navigate the public system or choose voluntary health insurance for private clinics. If you need a document for residence, we separately check your procedure's requirements.
Choose a private policy
We compare insurers' offers and explain coverage, limits and exclusions. We help choose a package for you and your family. RICS services from €150.
Prepare proof of insurance for residence
We check which document suits your application: existing insurance and a new policy address this in different ways. The scope of support is included in your personal quote.
Documents, timeframes and costs
What our support includes
Choose your task to see the stages, documents and separate costs. Public and voluntary insurance can serve different needs; we determine the suitable option for your situation.
RFZO: registration and health card from €120
You are employed, run a business or want public insurance on another eligible basis. We help with the necessary stages, from checking registration to obtaining the card.
Main documents
- Passport, residence and registration details in Serbia
- Documents supporting the basis of insurance: employment, self-employment or another applicable status
- LBO insurance number, if already assigned; for family members, proof of relationship and insurance status
What we do
- We check eligibility, registration details and the status of mandatory contributions
- We help compile the documents, complete the application and attend the necessary RFZO appointments
- We clarify the assignment or retrieval of LBO details, prepare the card application and arrange collection and delivery, under a power of attorney where possible
Timeframes
The timeline depends on document readiness, registration of insurance status and card production. We agree the stages and estimate before starting; an insured person receives a temporary PZK certificate until the card is issued.
RICS servicesFrom €120 for registration and health card support. The final fee depends on the number of family members, document readiness and required actions; we agree it before starting work.
Government feesCard production costs 400 RSD without delivery or 600 RSD with delivery under RFZO's published tariff. This is a separate card fee.
Other costsMandatory contributions, translations and additional documents are paid separately. Each family member's eligibility for inclusion is checked individually.
Voluntary health insurance selection from €150
You want to understand which consultations, tests and treatment the policy covers. We analyse insurers' offers, compare suitable packages and explain complex terms in English.
Main documents
- Family composition, each insured person's age and the required period
- City, preferred clinics and the types of care that matter to you
- Current offers and the selected insurer's questionnaire, if available
What we do
- We compare available packages by clinic network, limits, tests, surgery and medication
- We clarify exclusions, waiting periods, treatment authorisation and family inclusion
- We explain any deductible or co-payment: when you pay and what share of costs you cover
- We propose a suitable option, help with the questionnaire and policy arrangement, and provide clear instructions for using it
Timeframes
Selection time depends on your needs and receipt of insurers' offers. Coverage start dates and waiting periods are stated in the contract; we check them before payment.
RICS servicesFrom €150 for analysing offers, selecting a package and supporting the policy arrangement. The fee depends on family composition and the extent of comparison; we agree it in advance.
Policy costThe insurance premium is paid separately to the chosen insurer. It depends on the package, age, family composition and the insurer's other conditions.
Coverage termsSurgery, medication, dentistry, pregnancy and chronic conditions are checked against the specific contract. We show what is covered and which costs remain yours.
If you need insurance for a residence application
We check your residence basis and any existing insurance to prepare suitable proof for the required period. Existing insurance or a suitable new policy may meet this need.
Main documents
- Passport and residence status details
- Planned application date and required insurance period
- Existing policy or RFZO confirmation, if available
What we do
- We determine the proof required for your procedure
- We check the name, document number, territory and dates
- We help prepare the document for submission
Timeframes
The document's issue date and the start of coverage may differ. We align them with the residence application date.
Scope of supportIf RFZO is required, support starts from €120; selecting a voluntary private policy starts from €150. If you only need a document for a residence application, we separately agree the necessary work and fee.
Insurance expensesThe policy premium or mandatory contributions are not included in RICS services. An emergency policy does not automatically cover planned treatment.
Practical help
We explain the terms and help prepare the documents
Choose a suitable route
We consider residence status, employment or business, family composition and the purpose of the enquiry. We determine whether you need a private policy, RFZO registration or a combination.
Explain the terms before payment
We help obtain the insurer's explanations of coverage, restrictions and the claims procedure. You will understand what the contract pays for and which expenses remain yours.
Help with documents
We prepare a data checklist and coordinate with the insurer or support RFZO registration. We check names, dates and other details in the completed documents.
Provide clear instructions for use
We explain where to find the insurer's contacts, how to arrange appointments and which documents to keep. For RFZO, we review insurance status and the next steps for obtaining the card.
Prepare the documents
What information is needed?
You provide
- Passport, date of birth and residence details in Serbia
- Family composition, required period and purpose of insurance
- For RFZO: existing employment or self-employment registration details and LBO, if an insurance number has already been assigned
- For family inclusion: each person's own basis of insurance and relationship documents required by RFZO
We prepare and arrange
- A personal document checklist for the selected option
- Help with questionnaires and agreeing terms with the insurer or RFZO
- Checking the completed policy or registration details and the card collection procedure
Sequence and timeframes
From your needs to completed arrangements
Identify the task
You explain why you need insurance, who will be insured and for how long. We select an appropriate procedure.
Show the terms and costs
For a private policy, we clarify the insurer's offer; for RFZO, the basis and missing steps. We explain separate payments and our support fee.
Support the application
We help provide the necessary information, prepare the documents and check the outcome. You receive instructions for using the insurance.
Private policy
The coverage start date and period are set out in the contract. They must be agreed before payment; some types of coverage may have waiting periods.
Preparing for residence
We check whether the selected option can be ready by the application date and which document to attach. Policy arrangement and residence application assessment remain separate processes.
RFZO and the insurance card
Insurance status is registered first, then the card is issued. An insured person is entitled to a PZK certificate until the card is produced. We help obtain the necessary documents and check their validity.
Before starting, we agree the date by which proof is needed. Arranging a private policy, RFZO registration and card production follow different procedures.
A clear scope of support
RICS service fees
Two separate support options. You pay for the agreed work of our team; insurance payments and third-party expenses are calculated separately.
RFZO and health card
from 120 €
for registration and health card support
Eligibility review, help with documents and the application, support for the necessary appointments and arranging card collection.
Private policy selection
from 150 €
for analysing offers and assistance with voluntary health insurance
Comparison of insurers and packages, explanation of coverage and exclusions in English, selection to suit your needs and support with arranging the policy.
What affects the total?
- Number of adults and children, document readiness and the extent of required applications
- For voluntary insurance: family composition, needs and the extent of offer analysis
- Insurance premiums, mandatory RFZO contributions and card production are separate payments
- Translations and additional documents are included in the estimate if required
Before work begins, you receive the scope of services, indicative timeline and final support fee. We show the policy cost and mandatory payments separately, so you understand the full budget.
Before work begins
Questions about policies and RFZO
What is included in €120 and €150?
Fees from €120 cover our support with RFZO registration and obtaining a health card. Fees from €150 cover analysis of offers, selection of a voluntary private policy and support with arranging it. These are RICS service fees. Insurance premiums, mandatory contributions, card production and additional documents are paid separately. We agree the final fee based on your situation and family composition.
Will a policy for residence cover every doctor visit?
No. The scope of care depends on the product's terms. For example, emergency coverage does not mean planned examinations are paid for. We help you understand the services, limits and exclusions before choosing a policy.
Does having residence automatically give me an RFZO card?
A residence permit does not replace registration of insurance status. The basis, registration and related obligations need checking. We help determine the steps you need.
Can insurance be arranged for my spouse and children?
Yes, we select options for families. For private insurance, we check each insured person's terms; for RFZO, family members' eligibility for inclusion and the required documents.
Does a private policy replace mandatory contributions?
Having a private policy does not itself remove public insurance obligations arising from employment or self-employment. We check these matters separately.
Are you an insurance company?
Your policy is with an insurance company, which defines coverage and is responsible for claims payments. We compare offers, explain the terms in English and support the arrangements. For RFZO, we help with registration and the health card.
Typical situations
Insurance suited to your needs
Typical situations: a residence application document and health protection may require different insurance coverage.
Typical situationYou need a policy for your residence application fileYou are preparing documents and want suitable proof of insurance with correct details and coverage dates.See the action plan
What we will do
- We check your procedure and the available proof of insurance
- We compare the period, territory and terms of the chosen option
- We help arrange it and check the details in the issued documents
What you receiveA selected insurance option and checked documents for the agreed task.
Get a plan for my task Typical situationYour family needs clear health protectionYou want to know which clinics to use, what is covered and which expenses you may have to pay.See the action plan
What we will do
- We clarify family composition, needs and existing insurance
- We compare limits, exclusions, waiting periods and the procedure for seeking care
- We explain the terms and help arrange the chosen option
What you receiveA comparison of suitable options and a clear guide to using the selected insurance.
Get a plan for my task RICS in practice
Client case studies
Each case includes the task, the team's work and supporting material.
Stories: 3
Property-based residence
Preparing a property-based residence application and choosing an insurer
TaskPrepare a residence permit application based on property ownership and choose an insurance company.
Outcome described in the reviewAngelina praised the clear consultation, document support and time saved when choosing an insurer.
АнгелинаGoogle Maps review
Driving licence exchange
Exchanging a Russian driving licence for a Serbian one with support
TaskExchange a Russian driving licence for a Serbian one as part of an engagement related to moving from temporary to permanent residence.
Outcome described in the reviewThe licence exchange was completed. In the review, the client reported a timeframe of less than two weeks, including ten days waiting for the document from MUP.
Ed Wood 13Google Maps review
Residence permit submission
From an initial consultation to an accepted MUP submission
TaskPrepare a residence permit application and receive support when submitting the documents.
Outcome described in the reviewThe documents were accepted. Alina highlighted the clear consultation, support at the appointment and timely assistance.
Alina PetrosovaGoogle Maps review
Next step
Get a plan and quote
for your circumstances
Tell us why you need insurance, the number of adults and children and the desired period. We will prepare an application plan and a quote with all costs separated.
Personal planScope and price of servicesIn EnglishEstimated timeframes