Deepen RM/SI 3 page: concrete two-country procedure (FZOM form -> ZZZS certificate)

Splits the health-insurance pathway into the Macedonia side (getting the bilingual
RM/SI 3 from the FZOM branch) and the Slovenia side (converting it into the Potrdilo
MedZZ certificate at ZZZS), and names the actual certificate issued.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

en/student-welcome-guide/rm-si-3-health-insurance/index.html

@@ -202,14 +202,20 @@
 
                 <h2>The main pathway</h2>
 
-                <p>Students who remain insured through the competent system in North Macedonia can request bilateral form RM/SI 3. After arriving in Slovenia:</p>
+                <p>If you stay insured through the health system of North Macedonia (as a family member of an insured parent, or on your own basis), you can use the bilateral healthcare agreement between the two countries instead of buying full commercial insurance. There are two sides to the process: you get the RM/SI 3 form in Macedonia, then convert it into a Slovenian certificate at ZZZS.</p>
+
+                <h3 class="guide-substage">In Macedonia: get the RM/SI 3 form</h3>
+
+                <p>Before you leave, request the two-language RM/SI 3 form from the Health Insurance Fund of North Macedonia (FZOM) branch where you or your parent are insured. It confirms that you keep entitlement to healthcare while abroad for study. Bring your proof of insurance and, if asked, proof of enrolment. Ask what validity period the form will carry and whether it can be renewed from abroad, because you will need to repeat this each year.</p>
+
+                <h3 class="guide-substage">In Slovenia: convert it at ZZZS</h3>
 
                 <ul class="guide-steps">
-                    <li>Take the original RM/SI 3 to the relevant ZZZS regional unit.</li>
-                    <li>ZZZS registers the entitlement.</li>
-                    <li>ZZZS issues Potrdilo MedZZ.</li>
-                    <li>Use the certificate with public or contracted healthcare providers according to the bilateral entitlement.</li>
-                    <li>Monitor the validity date and renew when needed.</li>
+                    <li>Take the original RM/SI 3 to the ZZZS regional unit that covers your address.</li>
+                    <li>ZZZS registers your entitlement under the bilateral agreement.</li>
+                    <li>ZZZS issues you the certificate of the right to healthcare services for a foreign insured person (Potrdilo MedZZ), which is the document you actually use.</li>
+                    <li>Use that certificate with public or contracted healthcare providers according to the bilateral entitlement.</li>
+                    <li>Watch the validity date and renew the RM/SI 3 and certificate each year, in step with your enrolment and residence permit.</li>
                 </ul>
 
                 <h2>What the coverage means</h2>