Public health insurance in Albania covers primary care, emergency care, hospitalization, specialist consultations, and some medication. However, the range of medications and procedures covered can be limited.

Mandatory contributions are deducted from employed residents' salaries, while the self-employed must pay monthly contributions. For those without employment, coverage may be limited.

Affordable, covers main medical needs, good coverage for emergencies, accessible across the country.

Limited facilities, long waiting times, shortages of medical supplies, some services require out-of-pocket payments.

Public coverage is managed through the Health Insurance Institute; residents are automatically included through mandatory payments but must register and obtain a health card.

Private insurance in Albania covers a wider range of treatments, elective procedures, private hospital care, and sometimes dental and optical.

Costs vary widely depending on age, coverage, and provider, but typically exceed public contributions. Monthly premiums are required.

Faster access to care, wider choice of doctors, English-speaking staff, more comprehensive services.

Higher cost, does not always cover preexisting conditions, may not include coverage for all medications or chronic illnesses.

Anyone can apply, including expats and foreigners, though some providers may have restrictions based on age or health preconditions.

Compare plans based on coverage, hospital network, direct billing, and reviews. Multinational providers may offer better service for expats.

Expat-focused plans provide international coverage, access to private healthcare in Albania, and cover evacuation and repatriation. Often preferred by expats during their transition period.

Expat insurance offers broader coverage and English-language support compared to public, and greater international flexibility than most private Albanian providers.

Expat plans are more comprehensive, with ongoing coverage; travel insurance is for emergencies only and not suitable for permanent residents.

Expat health insurance is suitable short-term. For long-term stays, transfer to local coverage as expat plans may not fulfill local residency requirements.

Some NGOs offer niche coverage for specific groups, and bilateral agreements with a few countries allow for certain reciprocal rights.

Albania is not in the EU. EU health cards (EHIC) are not typically accepted. EU nationals should arrange either private or expat insurance.

There is no equivalent to the German KSK for artists or freelancers in Albania; private insurance is the main option.

1. Register with local authorities for residency. 2. Obtain a tax number and register for public health insurance if eligible. 3. Compare private and expat plans if needed. 4. Get your health card for public services.

Visit the Health Insurance Institute, consult expat groups, or seek help at embassy consular offices for guidance.