1. What are the available health insurance options and plans for expats in Greece?

There are several available health insurance options and plans for expats in Greece:

1. National Health System (NHS) – This is the universal healthcare system in Greece, which is funded by taxes and provides free or low-cost healthcare to all Greek citizens and legal residents.

2. Private Health Insurance – Expats can also choose to purchase private health insurance from international companies or local providers. This will give them access to private hospitals and clinics, with more comprehensive coverage than the NHS.

3. European Health Insurance Card (EHIC) – For EU citizens living in Greece, the EHIC entitles them to free or reduced-cost emergency medical treatment while temporarily staying in Greece.

4. International Health Insurance Plans – Expats from non-EU countries can purchase international health insurance plans that provide coverage in multiple countries, including Greece.

5. Employer-Sponsored Health Insurance – Some employers may offer health insurance as part of their employment package for their expat employees working in Greece.

6. Travel Insurance – Short-term visitors or tourists can also purchase travel insurance for their stay in Greece, which will cover any potential medical emergencies during their trip.

2. What is covered under the National Health System (NHS) in Greece?

The National Health System (NHS) in Greece covers a wide range of medical services, including:

– Doctor visits
– Prescription medication
– Hospitalization
– Emergency services
– Maternity care
– Mental health treatment
– Specialist consultations and treatments
– Diagnostic tests and screenings

However, the level of coverage may vary depending on your specific situation and the resources available within the local healthcare system. Appointments with specialists may require a referral from a primary care doctor within the NHS network.

3. Are there any limitations or exclusions with private health insurance in Greece?

There may be limitations or exclusions with private health insurance plans in Greece, depending on the specific policy you choose. These limitations may include:

– Pre-existing conditions: Some private health insurance plans may not cover pre-existing conditions, or they may have a waiting period before covering these conditions.

– Age restrictions: Some plans may have an age limit for coverage, typically around 65 years old.

– Dental and vision care: Private health insurance plans in Greece typically do not cover routine dental or vision care. These services are usually paid out-of-pocket or can be covered by separate dental and vision insurance plans.

It is important to carefully review the terms and details of any private health insurance plan before signing up to ensure that it meets your specific needs.

4. Can I use my EHIC card if I need medical attention while in Greece?

If you are an EU citizen temporarily staying in Greece, you can use your European Health Insurance Card (EHIC) to receive emergency healthcare at reduced or no cost. This includes necessary medical treatments as well as routine maternity care. However, the EHIC does not cover certain costs such as repatriation to your home country, non-emergency healthcare, or planned medical procedures. It is recommended to also have private travel insurance when visiting Greece.

5. How do I find a doctor or hospital that accepts my insurance in Greece?

The best way to find a doctor or hospital that accepts your insurance in Greece is by contacting your insurance provider directly. They will be able t

2. Is it mandatory for expats to have health insurance in Greece?

It is recommended, but not mandatory, for expats to have health insurance in Greece. However, it is important to note that without health insurance, expats may be responsible for covering the cost of any medical treatment they receive in Greece.

3. How do I find a suitable health insurance plan in Greece?
There are multiple private health insurance providers in Greece that offer plans specifically tailored for expats. It is important to research and compare different plans to find the best fit for your needs and budget. Consulting with a local insurance broker or speaking with other expats who have experience with healthcare in Greece can also help guide your decision.

4. What does Greek health insurance typically cover?
Greek health insurance plans typically cover basic medical care such as doctor visits, hospitalization, emergency services, and some prescription medications. Some plans may also include dental and vision coverage as well as alternative treatments like acupuncture or physiotherapy.

5. Are pre-existing conditions covered by Greek health insurance?
It is important to review the specific policy of the health insurance plan you choose as coverage for pre-existing conditions may vary. Some plans may have restrictions or exclusions for pre-existing conditions while others may offer coverage after a waiting period or at an increased premium.

6. Can I use my home country’s health insurance in Greece?
You will need to check with your home country’s health insurance provider whether they offer coverage for medical treatment received while abroad in Greece. In most cases, you may need to purchase additional travel medical insurance specifically for the duration of your stay in Greece.

7. How much does health insurance typically cost in Greece?
The cost of health insurance in Greece can vary depending on factors such as age, pre-existing conditions, and level of coverage desired. On average, expats can expect to pay around €500-€1000 per year for private international health insurance in Greece.

8. Is emergency medical evacuation covered by Greek health insurance?
Again, this will depend on the specific policy of your chosen health insurance plan. Some plans may include coverage for emergency medical evacuation if deemed necessary by a medical professional, while others may require separate travel insurance for this type of coverage.

9. Can I purchase health insurance after arriving in Greece?
Yes, it is possible to purchase health insurance after arriving in Greece. However, it is recommended to purchase health insurance before your arrival to ensure that you are covered from the start of your stay.

10. Are there any government-run healthcare options for expats in Greece?
Yes, expats are eligible to enroll in the Greek National Health System (ESY) and can access public healthcare services for a fixed and reasonable fee. However, this option may be more limited compared to private health insurance plans and may involve longer wait times for appointments and procedures.

3. What is the average cost of health insurance for expats in Greece?

The average cost of health insurance for expats in Greece can vary greatly depending on factors such as age, existing medical conditions, and coverage levels. On average, expats can expect to pay around 80-150 euros per month for basic coverage and up to 300 euros or more for comprehensive coverage. It is recommended that expats research and compare different insurance plans to find the best option for their needs and budget.

4. Are there any government-sponsored health insurance programs for expats in Greece?

Yes, there are a few government-sponsored health insurance programs available for expats in Greece. These include:

– National Organization for Healthcare Services Provision (EOPYY): This is the main public health insurance program in Greece, providing coverage to all Greek citizens and permanent residents, as well as some categories of EU nationals living and working in Greece.
– Social Insurance Institute (IKA): This is the largest social security institution in Greece and provides coverage to employees, self-employed individuals, and civil servants.
– Public Hospitals’ Organization (EOPPY): EOPPY is a government organization responsible for administering public healthcare services in Greece, including primary healthcare centers and public hospitals.

5. Is it mandatory to have health insurance while living in Greece?
Yes, it is mandatory for all residents of Greece (including expats) to have some form of health insurance coverage. This can be either through a private health insurance policy or enrollment in one of the government-sponsored programs mentioned above.

5. Can I use my home country’s health insurance while living in Greece?

It depends on your home country’s health insurance policy. Some countries have reciprocal agreements with Greece, allowing their citizens to use their health insurance while living in Greece. However, it is recommended to purchase health insurance specific to Greece to ensure comprehensive coverage and avoid any potential issues or limitations with using your home country’s health insurance.

6. How does the healthcare system work for expats in Greece?

The healthcare system in Greece is funded through taxes and is largely free of charge for all citizens, including expats. However, there are some differences in access to healthcare between EU and non-EU citizens.

EU citizens have access to the country’s public healthcare system, which includes hospitals, clinics, and primary care facilities. They can utilize their European Health Insurance Card (EHIC) or a temporary replacement certificate (TBC) to receive necessary medical treatment at reduced cost or for free. For non-EU citizens who do not have health insurance from their country of origin, they must obtain private health insurance in order to access the public healthcare system.

Expats also have the option of obtaining private health insurance for more comprehensive coverage and faster access to medical services. Private health insurance is recommended for those with chronic conditions or more complex healthcare needs.

In terms of quality, the public healthcare system in Greece can vary depending on the region and hospital/clinic. While some facilities may offer excellent care, others may have longer waiting times and lower standards.

Overall, while the Greek healthcare system may have its challenges, it provides decent care at no or low cost for all individuals living in Greece.

7. Do I need to have a certain level of income to be eligible for health insurance as an expat in Greece?

Yes, you typically need to have a certain level of income in order to be eligible for health insurance in Greece. The exact income threshold varies depending on the type of insurance you are applying for and your specific circumstances. Some types of insurance, such as private health insurance, may have higher income requirements compared to public health insurance options. It is recommended to research and consult with an insurance provider or legal advisor for specific information on eligibility criteria.

8. Are pre-existing conditions covered under the expat health insurance plans in Greece?

Most international health insurance plans in Greece will cover pre-existing conditions, though coverage may vary depending on the specific plan and insurer. Some policies may have a waiting period before coverage for pre-existing conditions begins, while others may exclude coverage for certain conditions altogether. It is important to carefully review the policy details and check with the insurer before purchasing a plan to understand how pre-existing conditions are covered.

9. What is the process of applying for health insurance as an expat in Greece?

The process of applying for health insurance as an expat in Greece may vary depending on your individual circumstances and the type of insurance you are seeking. However, here are some general steps that you may need to follow:

1. Determine the type of health insurance you need: As an expat, you may have several options for health insurance in Greece, such as private health insurance or enrolling in the Greek national healthcare system (EOPYY).

2. Check if you are eligible for public healthcare: EU citizens who are registered residents in Greece are entitled to free or low-cost public healthcare through EOPYY. Non-EU citizens may also be eligible depending on their visa status.

3. Research private health insurance plans: If you decide to opt for private health insurance, research different plans and providers to find one that suits your needs and budget.

4. Gather necessary documents: You may need to provide some personal information, such as your passport and residence permit, as well as proof of income and any existing medical conditions or treatments.

5. Apply for EOPYY coverage (if applicable): EU citizens can apply for EOPYY coverage at their local KEP office (Citizens’ Service Centre) by filling out an application form and providing the necessary documents.

6. Apply for private health insurance: Depending on the provider, you can either apply online or in person at their offices. Make sure to thoroughly read the terms and conditions of the policy before signing up.

7. Pay premiums: Once your application is approved, you will need to pay monthly or annual premiums to maintain your coverage.

8. Obtain your healthcare card: If you have enrolled in EOPYY, you will receive a social security number and healthcare card which you can use when accessing public healthcare services in Greece.

9. Keep your policy up-to-date: It is important to regularly renew your health insurance policy to ensure continuous coverage while living in Greece.

It is recommended to seek advice from a local insurance broker or your embassy for more specific information on the health insurance process in Greece.

10. Are routine check-ups and preventative care covered under expat health insurance plans in Greece?

It depends on the specific policy and coverage chosen by the individual or employer. Typically, routine check-ups and preventative care are covered under expat health insurance plans, but it is important to carefully review the policy details and coverage options before purchasing a plan.

11. Can I choose my own doctor or hospital with the provided health insurance options in Greece?

In most cases, yes, you can choose your own doctor or hospital with the provided health insurance options in Greece. However, it’s important to note that some insurance plans may only cover a specific network of doctors and hospitals, so it’s always best to check with your insurance provider first to see if your preferred healthcare providers are covered under the plan.

12. What documents do I need to provide when applying for health insurance as an expat in Greece?

When applying for health insurance in Greece, expats will typically need to provide the following documents:

1. Valid passport or national ID card
2. Proof of residence in Greece (such as a residency permit)
3. Proof of employment or income (such as a work permit or employment contract)
4. Tax identification number (AFM or AMKA)
5. Bank account information for payment of premiums
6. Previous health insurance coverage information, if applicable
7. Medical history and any pre-existing conditions, if requested by the insurer

It is important to note that the specific documents required may vary depending on the type of health insurance being applied for and the individual circumstances of the applicant. It is best to check with the specific insurer for their specific requirements.

13. Do I have to pay upfront for medical treatments or will my claims be reimbursed by the insurer?

It depends on your specific policy. Many health insurance plans require you to pay a deductible and/or coinsurance for medical treatments before the insurance provider will cover the costs. However, some plans may also offer direct reimbursement for certain services or have a co-pay system where you pay a fixed amount at each appointment. It’s important to review your policy or contact your insurer directly to understand your specific coverage and payment structure.

14. Are prescription drugs covered under expat health insurance plans in Greece?

Many expat health insurance plans in Greece do cover prescription drugs, but the coverage may vary depending on the specific plan and insurance provider. It is important to carefully review your plan coverage to understand what drugs are covered, as well as any out-of-pocket costs or restrictions.

15. In case of emergencies, does the health insurance cover medical evacuation expenses?

It depends on your specific health insurance plan. Some health insurance plans may cover the cost of medical evacuation in case of emergencies, while others may not. It is important to review your health insurance policy or contact your insurance provider to understand what expenses are covered in case of emergencies.

16. Are dental and vision care included in expat health insurance plans in Greece?

It depends on the specific expat health insurance plan chosen. Some plans may offer optional coverage for dental and vision care, while others may include it as part of their basic coverage. It is important to carefully review and compare different plans to determine what types of care are included.

17. How long does it take to get coverage after purchasing a plan as an expat in Greece?

The length of time it takes to get coverage after purchasing a plan as an expat in Greece may vary depending on the specific insurance company and type of plan you choose. Generally, it can take anywhere from a few days to a few weeks for coverage to become effective. Some factors that may affect the timeline include underwriting processes, any pre-existing conditions that may need to be reviewed, and the date you want your coverage to start. It’s important to speak with your insurance provider and understand their timeline for coverage so you can plan accordingly.

18. Can I tailor my coverage based on my specific needs and budget as an expat living in Greece?

Yes, you can typically tailor your coverage based on your specific needs and budget. You may want to consider factors such as the length of your stay in Greece, the type of activities you will be participating in, and any preexisting conditions or special medical needs. It’s important to carefully review the terms and coverage options offered by various insurance providers before making a decision. You may also want to consult with a local insurance agent or broker for personalized advice.

19.For how long can I keep my international/expat health insurance if I decide to leave Greece and move to another country?

The length of time you can keep your international/expat health insurance will vary depending on the terms and conditions of your policy. Some policies may have a minimum term or require a certain amount of notice before cancelling. It is important to review your policy documents and contact your insurer for specific information about cancelling or transferring your coverage to another country.

20. Are there any exclusions or limitations on coverage for expats in Greece?

Yes, there may be exclusions or limitations on coverage for expats in Greece, depending on the specific insurance plan and provider. Some common restrictions may include pre-existing conditions, high-risk activities or occupations, and certain medical procedures that may not be covered. Additionally, some insurance plans may have limited coverage outside of Greece or only cover emergency medical expenses rather than routine care. It is important to carefully review the terms and conditions of your insurance plan before purchasing to ensure it meets your needs as an expat in Greece.