Greece Insurance Cost for Foreigners: What You Need to Know
You probably know that navigating healthcare in a new country can feel like decoding a secret language. Interestingly enough, health insurance in Greece for foreigners cost varies widely—from almost free public care to private plans topping €400/month. Greece ranks 14th globally in WHO healthcare rankings for expats and scored 51.5 on the GHSI index in 2025 (WHO).
In this guide, you’ll learn exactly how public and private systems work, what you’ll pay, and how to register. Quick, clear, no fluff. Ready?
Table of Contents
Greece’s Dual Healthcare System Explained
Here’s the thing: Greece offers universal public coverage under ESY, plus a booming private network. You get choice—and wait times matter.
Public ESY care is free or low-cost for legal residents contributing to social security (AMKA required). Private clinics, on the other hand, offer faster appointments but with out-of-pocket fees or premiums.
“The hybrid model lets patients balance cost and convenience—an expat’s dream,” says Savory & Partners. (source: Savory & Partners)
- Public ESY: No premium, co-pays for some services
- Private clinics: €40–€100 per visit (consultation)
- Private hospitals: English-speaking staff in Athens, Thessaloniki
Eligibility and Registration Process
Want to tap into ESY? You need an AMKA number and EFKA contributions. Sounds dense—let me explain.
First, apply for an AMKA (social security) at your local Citizens’ Service Centre. Then, start making EFKA contributions—typically through payroll if employed, or directly if self-employed.
- Gather passport, visa/residence permit, proof of address
- Submit AMKA application (free)
- Begin EFKA payments (€170/month min. for self-employed)
Until you’re fully registered, consider a short-term private plan (€60–€100/month).
Cost Breakdown: Private Health Insurance Premiums
What does private insurance cost? It depends on age, coverage, and region. You might be wondering: “How much will I really pay?”
| Coverage Level | Age Group | Monthly Premium |
|---|---|---|
| Basic (Hospital only) | 18–40 | €60–€100 |
| Standard (Hospital + Outpatient) | 41–60 | €150–€250 |
| Comprehensive (Full cover) | 60+ | €300–€400+ |
Pro Tip: Shop annually—not monthly—to lock in stable rates and avoid small print surprises.
“Private plans remain 20–30% cheaper here than in Western Europe,” notes Global Citizen Solutions. (Global Citizen Solutions)
Golden Visa Requirements and Insurance Rates
If you’re eyeing Greece’s Golden Visa, private health insurance is mandatory. No exceptions. Why? Fast track medical care must back residency.
Golden Visa holders typically pay €150–€500/month, based on coverage. That variation reflects factors like deductible levels and network size (Athens networks cost more).
Example: A 45-year-old Golden Visa applicant could choose a Standard plan at €200/month or upgrade to Comprehensive for €350/month.
Urban vs Rural Healthcare Access
Location matters. In Athens and Thessaloniki, private hospitals often have English-speaking staff, MRI suites, and VIP rooms. Rural areas? You’ll find basic clinics—transport might be needed for specialized care.
Wondering where to live? Urban centers mean quick ER visits and specialist access. Yet rural spots offer affordability—and tight-knit communities.
- Athens: Full-service private hospitals, 24/7 ER
- Thessaloniki: Excellent outpatient services
- Islands/Rural: Limited specialists, long waits
Simply put, weigh convenience versus cost.
FAQ
- How long does AMKA registration take?
- Usually 2–3 weeks once all documents are correct.
- Can non-EU citizens access ESY?
- Yes, after obtaining AMKA and making EFKA contributions.
- Are pre-existing conditions covered?
- Private insurers often impose waiting periods—check plan details.
- What about dental and vision?
- Typically excluded. Add-ons cost extra (€10–€30/month).
- Is telemedicine available?
- Increasingly so—many plans now include online consultations.
Conclusion
By now, you know the ins and outs of health insurance in Greece for foreigners cost. From public ESY access to private premium tiers, you’re ready to choose what fits your budget and needs.
Next steps:
- Apply for AMKA and start EFKA payments if eligible.
- Gather quotes from three private insurers—compare deductibles.
- Select a plan (or combine public & private) before moving day.
The bottom line is: planning early saves money—and worry. Safe travels—and welcome to Greece!
