Greece Health Insurance for Expats: What You Need to Know
Relocating to Greece gives Americans the opportunity to embrace a relaxed Mediterranean lifestyle filled with sunshine, coastal beauty, and centuries of history. Before settling into island life or exploring Athenian culture, it’s important to learn how Greece health insurance for expats works. Securing the right coverage provides peace of mind, protects your finances, and guarantees access to reliable medical care throughout your stay.
Healthcare in Greece: What Expats Should Expect
Greece runs a dual healthcare system combining both public and private providers. Expats can choose from government-funded services or pay for private care, depending on their residency status, employment, and preferences.
The public healthcare system (ESY) offers extensive coverage across the country, with low costs for residents. However, longer wait times and language barriers can be challenging. On the other hand, the private sector provides faster access, English-speaking doctors, and modern facilities — making it a popular choice among expatriates.
Public vs Private Healthcare in Greece
| Type | Key Features |
| Public Healthcare (ESY) | Universal coverage for legal residents, funded through social security contributions, minimal out-of-pocket fees. |
| Private Healthcare | Shorter wait times, wider choice of specialists, English-speaking staff, advanced equipment, and flexible scheduling. |
Most long-term expats combine both systems — using public care for basic needs while keeping private insurance for emergencies or specialized treatment.
Registering for Public Healthcare
To access public healthcare, foreign residents need to register with the Greek National Health System (ESY). You’ll need:
- A valid residence permit.
- A Tax Identification Number (AFM).
- A Social Security Number (AMKA).
After gathering the required documents, visit your nearest IKA office or Citizen Service Center (KEP) to complete registration.
Eligibility depends on your situation — employees, self-employed individuals, retirees, and EU citizens each follow slightly different procedures.
Private Health Insurance for Expats in Greece
For most American expats, private or international health insurance is the safest and most flexible option. It bridges any gaps in the public system and is often required for visa or residency applications.
Private coverage offers:
- Faster access to specialists and treatment.
- English-speaking healthcare providers.
- Choice of hospitals and doctors.
- Coverage for emergencies, routine care, and repatriation.
Many expats select international health insurance that remains valid both in Greece and other EU countries — ideal for frequent travelers or digital nomads. Many other expats also prefer private hospitals because they rely on consistent biomedical equipment maintenance, ensuring that diagnostic tools and treatment devices are safe, accurate, and up to modern standards.
Common Types of Plans
- International expat plans – Provide global coverage including medical evacuation and overseas treatment.
- Local Greek private plans – Cost-effective but usually limited to domestic care.
- Comprehensive hybrid plans – Mix of local and international coverage for flexibility.
How Much Does Private Insurance Cost in Greece?
Premiums vary depending on age, health status, coverage limits, and whether the plan includes international benefits.
On average, expats spend €50 – €500 per month. Plans with inpatient + outpatient care, worldwide coverage, and low deductibles sit at the higher end. Comparing quotes and speaking with an experienced broker can help you find the best fit for your budget and needs.
Coverage to Look For
When reviewing policy details, prioritize these benefits:
- Inpatient and outpatient treatment.
- Emergency medical care and ambulance services.
- Prescription drug coverage.
- Preventive checkups and vaccinations.
- Dental and vision add-ons.
- Worldwide travel and evacuation benefits.
Policies with direct billing (no upfront payment at partner hospitals) are especially useful for newcomers.
Health Insurance Requirements for Residency and Visas
To obtain a Greek residence permit, expats must show valid health insurance covering at least €30,000 for medical expenses. The certificate should be issued in English or Greek and detail emergency care, hospitalization, and repatriation benefits.
U.S. domestic insurance plans rarely meet these requirements, so most Americans purchase international coverage that aligns with Greek visa rules.
Starting your application process early (ideally a few months before arrival) is recommended to avoid delays.
Tips for Staying Protected
- Review your policy annually: Regulations and personal health needs change.
- Keep digital copies of insurance documents: They may be requested during medical visits.
- Use insurance brokers familiar with expat requirements: They can simplify the registration and renewal process.
- Understand reimbursement rules: Know when you must pay first and claim later.
