how does the healthcare system works in Montenegro ? Is it efficient ?
Slowly if it is not urgent.
What are the main differences between public and private sectors?
Private sector is faster and most efficient. You dont have to wait hours for exam at doctor. Public sector is more or less efficient with urgent cases.
Is it recommended to purchase private health insurance in Montenegro?
There is no other then private insurance except if you are working for domestic company. Private insurance cost (I think) something like more then 30evro monthly but doesnt cover everything.