top of page

How to Retire in Croatia - Expat guide


retirement days split croatia


Are you yearning for a retirement that resembles a never-ending vacation, with sun-kissed shores, charming coastal towns, and a vibrant Mediterranean lifestyle? Look no further than Croatia – a picturesque jewel tucked away in southeastern Europe, waiting to fulfill your dreams of an idyllic retirement. Blessed with breathtaking landscapes, a rich cultural heritage, and a welcoming community, Croatia has become an alluring haven for expats seeking a tranquil and fulfilling life in their golden years.


In this blog post, we'll embark on a journey to uncover the secrets of retiring in Croatia, exploring its hidden gems, and providing you with essential insights to make your transition seamless. From the stunning Dalmatian coastline with its azure waters to the historic cities brimming with character, Croatia offers an unparalleled blend of natural beauty and Old World charm. So, if you're ready to explore the enchanting possibilities of retiring in this Adriatic paradise, let's dive into the details and discover what awaits you in Croatia!


Why Croatia as a Retired Country?


Croatia is becoming an increasingly popular retirement destination for expats seeking a stress-free and rewarding lifestyle due to its wealth of alluring advantages. Every retiree can find something to do in Croatia, whether they choose to spend their days relaxing on sun-drenched beaches, traveling to historic sites, or taking in the country's diverse culture. Let's examine some of the main factors that make Croatia stand out as the perfect retirement destination.


1. Living expenses that are reasonable and favorable exchange rates


The lower cost of living in Croatia compared to many other European nations is one of the most alluring features of retiring there. Even with the recent inflation and introduction Euro as the currency, your retirement money will go further in Croatia, compared to the average retirement check. The availability of attractive homes for rent and purchase at reasonable prices demonstrates how affordable housing options are as well. This can greatly increase your purchasing power and enable you to indulge in more of Croatia's pleasures and luxuries. As an example, a household income of 2000 EUR will be sufficient for a comfortable life.


2. Excellent Medical Facilities and a Healthcare System


In terms of healthcare, Croatia has an admirable system and high-quality medical services. Retirement-age citizens are guaranteed access to basic medical services thanks to the nation's universal healthcare system. Additionally, Croatia features cutting-edge medical facilities with highly qualified staff, particularly in the bigger cities. Private health insurance, on the other hand, is advised for expats who plan to retire in Croatia to supplement the country's universal healthcare system. Access to a greater variety of medical services and quicker treatment alternatives are guaranteed by this additional layer of security. Overall, retirees benefit from the peace of mind and high-quality medical treatment provided by the union of public healthcare and private insurance. To learn more about Croatia's healthcare system please check the official HZZO website.


3. Friendly and Warm Local Communities


The people of Croatia are recognized for their friendliness and hospitality, and the country is noted for its cozy and welcoming atmosphere. You will especially find this true in smaller towns and villages which grow their popularity among elder population. If you're a retiree moving to Croatia, you'll discover that the locals are welcoming and helpful, which makes it simpler to form enduring relationships and friendships. It is simple to interact with people from different backgrounds and cultures because there is a sizable expat population in many Croatian towns and cities. Apart from the locals, many people who retire in Croatia are backcomers from their work in foreign countries.


4. Interesting Culture and a Profound History


Both Croatia's natural landscapes and cultural heritage are diverse. The country's long history has left behind a tapestry of influences from different civilizations. Croatia is a living museum of historical artifacts, containing everything from the antiquated Roman ruins at Pula to the quaint medieval alleyways of Dubrovnik. You will have many options to visit historical landmarks, art museums, and art galleries as a retiree in Croatia. You may fully immerse yourself in Croatian customs by attending theater performances, music festivals, and regional holidays, all of which are part of the bustling cultural scene. Just keep in mind cultural activities are more reserved for bigger cities during the off-season, while during thesummer season many smaller towns and island villages have their own summer program for all ages.


Choosing Croatia's Best Retirement Location


Making a decision on where to retire in Croatia can be exciting because the nation has a broad variety of enthralling regions and cities, each with its own distinct appeal and allure. Croatia has something to suit every retiree's interests, whether you favor the Adriatic's beachfront splendor or the tranquil inland surroundings. To assist you in making an informed choice, we'll go over the numerous elements to take into account in this part as well as several well-liked retirement locations.


1. Overview of the Regions and Cities of Croatia


In general, Croatia can be classified into four main regions, each of which has a unique lifestyle and atmosphere:


Adriatic Coast: Croatia's coastline is a stunning stretch that hugs the Adriatic Sea and is home to beautiful beaches, pristine waters, and a Mediterranean climate. People who enjoy the sea, a laid-back lifestyle, and being close to bustling coastal towns should live here.

Dalmatia is a preferred retirement destination for people looking for a blend of natural beauty and historical history. It is known for its beautiful islands, medieval cities, and cultural legacy. Dalmatia provides both a sense of antiquity and contemporary conveniences with places like Split, Šibenik, Zadar, but also in many smaller towns such as Trogir, Vodice, or Makarska.


Istria: The peninsula of Istria, which resembles a heart, is renowned for its picturesque hilltop towns, undulating hills, and olive orchards. Istria is a favorite destination for seniors looking for a peaceful escape due to its mild temperature, mouthwatering cuisine, and leisurely pace of life.


Continental Croatia: Besides the obvious choice of Zagreb, the capital city with most vibrant lifestyle you can imagine in Croatia, it's worth mentioning that many people are moving to nearby towns to balance their lifestyle with busy day life and countryside weekends. Villages around towns Samobor, Sveta Nedjelja, or Zaprešić are becoming more and more popular. Also discover Koprivnica, Bjelovar, and Varaždin as they have a thriving cultural environment as well as a blend of traditional charm and contemporary living. For even more nature and quiet check Slavonija and towns such as Osijek, Požega, Slavonski Brod and surrounding villages.


2. Pros and Cons of Both Coastal and Inland Options


Your own preferences and retirement priorities will play a big role in your decision between Croatia's coast and interior. Here are some benefits and drawbacks to think about for each choice:

Pros: Croatia's coastline

- beautiful beaches nearby and breathtaking sea views

- a leisurely seaside lifestyle with an emphasis on outdoor pursuits

- vibrant summer festivals and events

- various seafood specialties

Cons: Croatia's coastline

- higher cost of living, particularly in well-known tourist locations

- crowded during the busiest travel seasons

- limited employment options (for people thinking about working part-time)


Pros: Croatia's interior

- places that are peaceful and surrounded by nature giving you the opportunity to work in a private garden

- cheaper cost of living than coastal regions

- rich cultural experiences and historical heritage

- cooler summertime temperatures

Cons: Croatia's interior

- beaches and sea-related activities are only partially accessible

- fewer locals who speak English in rural places

- social scene is less active than it is in coastal cities.


Financial and Legal Considerations


It takes great planning and preparation to retire in a foreign nation like Croatia because there are significant legal and financial issues involved. A stress-free shift will be made possible if you are certain that you are aware of the visa and residency requirements as well as the tax repercussions. We'll go through the main financial and legal factors to think about when organizing your retirement in Croatia in this part.


1. Requirements for Retirees Regarding Visa and Residence


You'll need to acquire the necessary visa and resident status before you can begin living your dream retirement in Croatia. Depending on your nationality and the length of your stay, the criteria could change. Here are a few typical choices:


Temporary Stay for Tourists: Tourist visas are required for entry into Croatia if you want to stay there for up to 90 days during a 180-day period. For brief stays, citizens of some nations might not need visas. There are other choices, meanwhile, for retirees looking for a longer stay.


Non-EU nationals who desire to retire in Croatia for a period longer than 90 days must apply for a temporary residence permit. Among the prerequisites for this process are submitting evidence of adequate cash, current health insurance, and clear criminal history.


EU citizens are exempt from visa requirements and are permitted a 90-day stay without the need for a residence permit during a 180-day period. Depending on their goals, they must apply for temporary or permanent residency for periods longer than 90 days.


Those who intend to settle in Croatia continuously may apply for permanent residency and, eventually, Croatian citizenship. The conditions for citizenship and permanent residency are stricter and frequently call for a longer duration of stay in the country. Please check and inform about the latest regulations on the official website of the Croatian Ministry of the Interior.


2. Croatian Retiree Tax Implications


It's crucial to comprehend the tax repercussions of retiring in Croatia if you want to handle your money well. Residents of Croatia are subject to taxation on their worldwide income because the country uses a worldwide income tax system.


Income Tax: Croatian income tax rates vary according to your overall income and are based on a system of progressive tax brackets. Understanding the tax rates is crucial if you want to make the best financial decisions.


Property Tax: Croatian property owners must pay an annual property tax, which varies according to the type of property and its location. This tax, however, is typically cheaper than in many other European nations.


Double Taxation Agreements: To prevent paying taxes on the same income twice, find out if Croatia and the country you get income from have a double taxation agreement.

Tax Planning and Professional Advice: It is wise to seek professional financial advice from specialists acquainted with international taxation and retirement planning in order to maximize your tax situation and adhere to all regulatory requirements.


You can avoid problems and ensure a seamless transition by being aware of the legal and financial landscape of retirement in Croatia. To find out more please check Taxation of foreign pensions. We'll discuss healthcare and insurance alternatives in more detail in the following part, which will help you put your health and peace of mind first.


Healthcare and Insurance in Croatia: Putting Your Health First


Your health and well-being become crucial as a retiree starting a new life in Croatia. Fortunately, Croatia has a trustworthy healthcare system with easily accessible medical services, allowing you to retire in peace. This section will cover Croatia's healthcare system, health insurance alternatives, and advice on leading a happy, healthy life in this Mediterranean paradise.


1. Healthcare in Croatia and Services for Seniors


Croatia has a robust healthcare system that offers all of its citizens, including pensioners, necessary medical treatments. Retirement residents have the same access to public healthcare facilities and services that Croatian citizens do thanks to the nation's universal healthcare system.


Croatian public healthcare facilities, including hospitals and clinics, are well-equipped and staffed by qualified medical personnel. Larger cities have access to cutting-edge medical institutions with specialist divisions, like Zagreb, Split, and Dubrovnik.


Although public healthcare is available, it's crucial to remember that there may be a language barrier, especially for people who do not speak Croatian well. It can be helpful in these situations to have a rudimentary comprehension of the local language or to look for medical facilities with English-speaking professionals.


2. Options for Health Insurance for Expats


Private health insurance is highly advised for seniors in Croatia as an addition to the country's universal healthcare system. Private health insurance comes with a number of advantages, including:


Greater Coverage: Compared to the public health system, private health insurance covers a greater array of medical services and treatments. This includes having access to private clinics, scheduling appointments more quickly, and specialized consultations.

Language Assistance: To make it simpler for expats to speak with healthcare specialists, some private health insurance plans offer language assistance.


Medical evacuation and repatriation coverage is a common feature of private health insurance plans. This coverage is essential in the event that an emergency arises that necessitates returning home to receive medical attention.


A private health insurance plan should be chosen after carefully weighing all available options, levels of coverage, and costs. You can select a plan that meets your needs and preferences by speaking with insurance specialists who focus on expat coverage.


Checklist for Moving and Retirement Planning


Congratulations! Now that you've made the exciting decision to spend your golden years in Croatia, it's time to organize your move and ensure a smooth adjustment to your new Mediterranean way of life. In order to have a successful and stress-free retirement in Croatia, careful planning is essential, from setting up logistics to wrapping up loose ends in your home country. We'll give you a thorough retirement checklist in this area to assist you in navigating the necessary steps for a seamless transition to your desired location.


1. How to Manage Your Money


Financial Planning: Review your retirement spending plan while taking Croatia's cost of living and any potential currency exchange issues into account. To make sure that your financial strategy is in line with your retirement objectives, see a financial counselor.

Taxes and banking: To make financial transactions easier, let your bank know that you're moving to Croatia and look into international banking possibilities. To fulfill all tax obligations, you must be aware of the tax repercussions in both your home nation and Croatia. Pensions and Social Security: If you get pension or Social Security payments, let the appropriate authorities know that you're moving to Croatia and give them your new address.


2. Visas and Residency


Determine the visa or residency permit you require based on your nationality and the length of time you plan to spend in Croatia. Start the application process early and make sure all necessary paperwork is in place.

Legal Assistance: To help you with the residence application procedure and to address any legal issues, consult a lawyer or immigration professional who is familiar with Croatian immigration rules.


3. Medications and Insurance


Health Insurance: To supplement Croatia's public healthcare system, look into and procure private health insurance. Select a plan that is affordable and meets your medical needs.

Medical Records: To bring with you to Croatia, get copies of your medical records from your present healthcare providers. This guarantees smooth care continuation.


4. Accommodation


Choose between renting and purchasing real estate in Croatia. Look at the housing options in your chosen area, and ask a reliable real estate agent for assistance if necessary.

Temporary Accommodation: Arrange for temporary housing, such as furnished flats or holiday rentals, if you intend to tour various neighborhoods before deciding where to settle.

For retirement in Split, please read more about longterm rental in this blog.


5. Moving Services


Reduce your possessions and pack only what you'll need for your trip to Croatia. If there are things you can't move, think about selling, donating, or storing them.

International shipping: If you're transporting items from your country of origin, get estimates from reputed international movers and plan your move's logistics in advance.


6. Cultural and Language Preparation


Language Learning: Continue learning Croatian through courses, apps, or language exchange initiatives. Learn some basic Croatian words before you arrive to make communication easier.

Cultural Research: To prepare for cultural immersion, read books, watch films, and use online resources to learn about Croatian culture, history, and customs.


7. Saying goodbye and welcoming fresh starts


Spend quality time with family and friends, plan farewell events, and savor your last moments together before you leave.

Accept New Connections: Enjoy making new friends and acquaintances in Croatia. Accept the diversity of the local and expat communities, and become involved in social activities to expand your network of friends.

You can concentrate on the joy of your upcoming transfer and the endless opportunities Croatia holds by methodically crossing off items on this retirement checklist. As you start this new chapter, keep in mind that having a good outlook, being open to change, and having a spirit of adventure are essential for a happy retirement. Thanks for choosing Croatia for your fantastic retirement!


Living an Adventure-Filled Life: Discovering Croatia's Undiscovered Wonders


Congratulations on completing your relocation to Croatia and starting your retirement journey! It's time to head off on a tour of adventure and discovery now that you've adjusted to your new Mediterranean way of life. Croatia is a nation bursting with undiscovered treasures, from charming towns and breathtaking natural beauty to enthralling historical sites. In this part, we'll give you a virtual tour of some of Croatia's most alluring and little-visited locations that are just waiting to be discovered.


1. Finding the Mysterious Istrian Hilltop Towns


Immerse yourself in Istria's fanciful landscapes, which are peppered with quaint hilltop settlements that appear to have stood still in time. Discover Istria's special allure by visiting towns like Motovun, Gronjan, and Hum, the smallest town in the world. Explore historic buildings, meander through narrow lanes, and sample the delicious truffles and wines of the area. Don't miss the chance to take part in regional celebrations and cultural activities that highlight Istria's culinary and artistic history.


2. Disclosing the Countryside's Secrets in Central Croatia


Explore Central Croatia's interior to find a magnificent landscape dotted with old castles, vineyards, and green hills. Explore the natural splendor of the Zagorje region, which features thermal springs and rolling hills. Discover the medieval town of Veliki Tabor, where the well-preserved castle brings history to life. And if you enjoy art, make sure to stop by the renowned Museum of Naive Art in the quaint town of Hlebine.


3. Discovering Dalmatian Islands' Mystique


Escape to the stunning Dalmatian islands of Croatia, where you may find pristine beaches, remote coves, and charming fishing towns. Discover the distinct appeal of the islands of Bra, Vis, and Korula by sailing around them. Visit the Blue Cave on Bievo Island and plunge into the Blue Lagoon's pristine waters close to Drvenik. Island hopping is a journey of discovery because each island has its own unique intriguing history and cultural practices.


4. Admiring Plitvice Lakes National Park's Beauty


Plitvice Lakes National Park is a UNESCO World Heritage Site that will astound you with its stunning beauty. Wander through a series of flowing waterfalls, turquoise lakes, and lush vegetation along wooden walks. For both nature lovers and photographers, the park is a must-visit location because of the constantly shifting colors with the seasons.


5. Discovering Slavonia and Baranja's Magic


Explore the diverse cultural heritage of Slavonia and Baranja in eastern Croatia. These regions are renowned for their traditional customs, delectable local cuisine, and friendly residents. Discover the distinctive fusion of historic sites and modern architecture in Osijek, the largest city in eastern Croatia. Don't forget to sample the kulen sausage and other paprika-seasoned foods that are so popular in the area.


6. In Split, Ancient History is Being Rediscovery


Visit Split, a thriving city where the past and present coexist together. Discover the magnificent Diocletian's Palace, which was constructed in the fourth century AD by the Roman emperor Diocletian and is today a thriving area of the city center. Explore Split's winding alleyways, stop by the bustling Green Market, and take in the colorful ambiance of the Riva, the city's waterfront promenade.


During your retirement, Croatia's undiscovered wonders entice you to lead an active life of discovery and adventure. Every day can be an exhilarating journey of discovery in a nation that provides such different landscapes, a rich cultural past, and genuine hospitality. Croatia urges you to appreciate the beauty that is all around you, whether you're enjoying the peace and quiet of Istrian hilltop towns, sailing through the Dalmatian islands, or taking in the natural wonders of Plitvice Lakes.


Keep in mind that retirement is a time to embrace the unknown, foster your curiosity, and enjoy life to the fullest as you continue your Croatian adventure. Croatia offers a wide range of activities that are just waiting for you to discover, from the beautiful landscapes to the fascinating history. Let your retirement in Croatia be a unique chapter full of joy, wonder, and the excitement of brand-new learnings. In this paradise of the Mediterranean, welcome to a life of adventure!


Explore the following outside sources for further information about retirement in Croatia:

The official website of the Croatian National Tourist Board provides detailed information about the country's attractions, events, and helpful tips for tourists and expats. Please go to: www.croatia.hr


Find the most recent details on visa requirements, residence permits, and other legal issues pertaining to living in Croatia at the Croatian Ministry of Foreign and European Affairs. Check out https://mvep.gov.hr/en


Expat Communities and Forums: Connect with other expatriates who have retired to Croatia by participating in online communities and social media organizations. Their experiences can provide you with helpful knowledge, advice, and encouragement.

Embrace a new culture, discover undiscovered treasures, and make lifelong experiences by retiring in Croatia. You are invited to experience the charm of this Mediterranean paradise, and your retirement adventure is yours to design and savor. We hope that Croatia will provide you with a happy and meaningful retirement, where each day can be an extraordinary journey. Happy retirement and safe travels!

Comentários


bottom of page