Health Insurance for Expats in Greece

Greece offers a blend of public and private healthcare systems, providing comprehensive medical services to residents and visitors alike. Expats and digital nomads considering a move to Greece should familiarize themselves with the local health insurance landscape to ensure they have adequate coverage during their stay.

Health Insurance Companies in Greece

In Greece, there are several popular health insurance companies that provide coverage to both locals and expats. These include large international insurers as well as domestic companies that offer a range of health insurance products. Expats are eligible to purchase health insurance from these companies, which can provide additional peace of mind beyond the state healthcare system. Some of the well-known insurers operating in Greece include Ethniki Asfalistiki, Interamerican, and Eurolife ERB. These companies offer various plans that can be tailored to individual needs, including options for private hospital care and specialized treatments.

Expat Health Insurance in Greece

Many expats living in Greece opt for specialized expat health insurance plans. These plans are designed to cater to the unique needs of expatriates, offering coverage that may not be available through local insurers or the public healthcare system. Reasons for choosing expat-specific insurance include the desire for coverage while traveling outside of Greece, access to a broader network of healthcare providers, and services in multiple languages. Such plans can also offer a smoother process for claims and reimbursements, which is particularly valuable for those unfamiliar with the local healthcare bureaucracy.

Local Health Insurance vs. Expat Health Insurance

When deciding between local health insurance and specialized expat health insurance, expats and digital nomads often weigh factors such as the extent of coverage, cost, and convenience. Local health insurance plans may be more cost-effective and provide sufficient coverage for some individuals, especially if they plan to use the public healthcare system. However, expats who frequently travel, seek a higher standard of care, or prefer private healthcare facilities often choose expat health insurance for its broader benefits and international coverage. The choice largely depends on personal circumstances, healthcare needs, and the duration of stay in Greece.

Considerations for Health Insurance Abroad

When selecting health insurance for living overseas, there are several important considerations to take into account. One key factor is whether the insurer directly pays the healthcare provider or if you must pay upfront and seek reimbursement later. This can significantly impact your cash flow and convenience. Additionally, it's important to understand the coverage limits, deductibles, and exclusions of your policy. Consider whether the plan covers pre-existing conditions, repatriation, and emergency evacuation, which can be crucial for expats. Lastly, the ease of communication with the insurer, the clarity of the claims process, and the availability of customer support in your language are also vital factors that can influence your decision.

Expats talk about Health Insurance in Greece

"The cost is reasonable under the IHC, private care varies, but in general is cheaper than UK I believe," commented one expat living in Paros, Greece.

"I do not have insurance, but the costs of private medical care are quite reasonable," mentioned one expat living in Greece.