Is Health Insurance Required When Moving to Greece?

When planning a move to Greece as an expat or digital nomad, one of the essential considerations is healthcare. Greece has a public healthcare system, but newcomers are not immediately eligible for this service upon arrival. Therefore, it is crucial to have private health insurance to cover any medical needs during the initial period of your stay. The Greek government requires that expats and digital nomads have health insurance that meets specific requirements for coverage amounts and duration. This insurance is not only a safety net for your health but also a necessary step towards obtaining residency in Greece. The minimum coverage amount and length of coverage required can vary, so it's important to check the latest regulations before your move.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements set by countries for incoming residents. However, it is vital to ensure that the plan you choose complies with Greek regulations. The insurance should cover a range of medical services, including hospitalization, emergency services, and often prescription medication. It should also be valid for the entire duration of your stay until you are eligible to join the public healthcare system. Before purchasing a policy, verify that the minimum coverage amount is in line with what Greece mandates for residency applicants. It's advisable to consult with insurance providers about the specifics of their coverage in relation to Greek residency requirements.

Which local health insurers offer this type of insurance?

In Greece, there are several local health insurance companies that offer plans suitable for expats and digital nomads. These insurers provide a variety of packages that cater to different needs and budgets. Some of the well-known insurance companies in Greece include Ethniki Asfalistiki, Interamerican, and Eurolife ERB. These companies have a reputation for offering comprehensive health insurance plans that are compatible with the requirements for residency. They also provide customer service in English, which can be very helpful for expats who are not yet fluent in Greek. When selecting a local insurer, it's important to compare the plans, coverage details, and customer reviews to ensure you're choosing a reliable provider.

Advice from Expats in Greece about Health Insurance

Experienced expats in Greece often emphasize the importance of understanding the specifics of the health insurance policy you are considering. It's crucial to ensure that your insurance plan covers not only emergency medical treatment but also routine healthcare and any pre-existing conditions you may have. Additionally, expats recommend choosing a plan with a straightforward claims process and clear terms regarding deductibles and co-pays. Look for an insurer with a good network of hospitals and doctors, especially in the area where you plan to reside. Lastly, consider the insurer's reputation for customer service and support, as navigating healthcare in a new country can be challenging, and having a responsive insurer can make a significant difference.

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," said one expat who moved to Paros, Greece.

"I do not have insurance, but the costs of private medical care are quite reasonable," mentioned one expat when asked about moving to Greece.