Fact Sheet

Basis principle

The Croatian Pension Insurance Institute (HZMO) is a competent institution for the entitlements under the PAYG scheme (1st pillar) of the Croatian pension system. The PAYG-based pension insurance is a part of the pension insurance scheme where insurees achieve rights for the old-age, reduced working capacity, partial or general disability and physical impairment, whereas the members of their families acquire rights in the case of such insuree’s/beneficiary’s death.

Financial compensation

Yes

Compensations include:

1. disability pension (due to an injury at work or occupational disease on more favourable terms, regardless of the completed qualifying period, based on 40 years of qualifying period);
2. occupational rehabilitation and income replacement benefit (in the amount of disability pension for total disability as acquired based on 40 years of qualifying period if the disability is caused by an accident at work or occupational disease)
3. physical impairment (monetary compensation due to physical impairment/injury)

Medical treatment responsibilities

No

Prevention responsibilities

No

Research in OS&H issues responsibilities

No

Rehabilitation of victims of occupational injuries responsibilities

Yes

Specific insurance against accidents at work and occupational diseases

No

Is this insurance compulsory?

Yes

Contributions

Mandatory pension insurance (including accidents at work and occupational diseases) is financed by contributions paid by employers or self-employed workers.

People covered

The mandatory PAYG-based pension insurance covers all employed active persons including the self-employed or those pursuing professional activity covered by the mandatory pension insurance. Such persons are employees and equally categorized persons (persons appointed to certain offices etc.), self-employed persons (craftsmen, sole traders, lawyers, public notaries etc.), farmers and other groups of persons (members of company management boards, sportsmen etc.).

In the case of invalidity and physical impairment as a consequence of accident at work or professional disease, the insurance will also cover the pupils and students while attending their training lessons (field work), persons performing certain activities during imprisonment, persons participating in the rescue as a consequence of natural disasters, members of a voluntary fire brigade etc.

Is insurance different for accidents at work and for occupational diseases?

No

Risks covered

Accidents at work, occupational diseases, commuting accidents, death of a person undergoing occupational rehabilitation or the death resulted from a work-related injury / an occupational disease.

Web: www.mirovinsko.hr
Contact email: maja.cakarun@mirovinsko.hr

Information provided by HZMO – September 2025