HZZO or private physical therapy — which is the better choice?
Short answer: if you have a mild, chronic issue and can wait, the HZZO route is free with a referral. If you need to resolve pain that's disrupting daily life quickly, private physical therapy like at Atlas gets you an appointment within a week, at a clear, upfront price.
How HZZO-covered physical therapy works
For HZZO-covered physical therapy you first need a referral from your GP or a specialist, after which you're placed on a waiting list at a public institution or a private polyclinic under HZZO contract. The appointment is free (or low-cost), but availability depends on location and current demand.
How long the wait actually is
According to publicly available information, waiting lists at public institutions in Zagreb in 2026 typically run from 2 to 6 months, while private polyclinics under HZZO contract can often offer an appointment within a week to a month.
Advantages of private physical therapy
- Speed — an appointment this week, not in months
- Flexibility — choose the day and time that works for you
- Access to specific techniques like dry needling, rarely offered in the public system
- More time per session, a more personal approach
How much private physical therapy costs
Individual treatment prices at Atlas range from €4 (e.g. cryotherapy) to €27 (special physiotherapy techniques), and treatment packages cost from €80 to €170, depending on scope.
You don't have to choose once and for all — many patients combine both: staying on the HZZO list for long-term care, and using a private appointment when they need a fast fix.
