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Emigrating to Greece: How to optimally secure your health insurance!
Greece beckons with sunshine, culture, and quality of life. But what about your health insurance if you live there permanently? Choosing the right health insurance is crucial for your health and financial security. Discover your options now and find the right solution. For personal advice, contact us.
The topic short and concise
Greece beckons with sunshine, culture, and quality of life. But what about your health insurance if you live there permanently? Choosing the right health insurance is crucial for your health and financial security. Discover your options now and find the right solution. For personal advice, contact us.
Greece beckons with sunshine, culture, and quality of life. But what about your health insurance if you live there permanently? Choosing the right health insurance is crucial for your health and financial security. Discover your options now and find the right solution. For personal advice, contact us.
Greece beckons with sunshine, culture, and quality of life. But what about your health insurance if you live there permanently? Choosing the right health insurance is crucial for your health and financial security. Discover your options now and find the right solution. For personal advice, contact us.
Planning to emigrate to Greece? Learn how to optimize your health insurance to be well-protected in case of illness. Get informed now!
Relocating to Greece is an exciting step, but it should be well-planned. A particularly important aspect is health insurance. Without adequate coverage, significant costs may arise in the event of illness. This article provides a comprehensive overview of the various options, ensuring you're optimally prepared for your emigration to Greece health insurance. We show you how to secure the best possible coverage to receive the best medical care in case of illness. We consider both the public and private health insurance systems in Greece, and provide information on international health insurance for expatriates.
Why health insurance is important when emigrating to Greece
Comprehensive health insurance is essential when it comes to emigrating to Greece health insurance. It not only protects you from high medical costs but also gives you access to quality healthcare. In Greece, there are both public and private healthcare facilities, and the quality of care can vary depending on the region and facility. Good health insurance ensures that you receive the necessary help quickly and easily in an emergency. This is particularly important because unexpected medical events can occur at any time and, without adequate coverage, can lead to significant financial burdens.
Overview of the different health insurance options
When it comes to emigrating to Greece health insurance, you have several options. You can choose either the public health system, opt for private health insurance, or use international health insurance. The public health system offers basic care, while private insurance often provides more comprehensive benefits and faster treatment. International health insurance is specially tailored to the needs of expatriates and often offers worldwide protection. It is important to carefully weigh the pros and cons of each option to find the solution that suits your individual needs. Further information on consultation options can be found on the Federal Office of Administration page.
Greek healthcare system: How to make the most of it
To make the right decision for your health insurance, it is important to understand the Greek healthcare system. It consists of both a public and a private sector. Public hospitals provide basic care, while private clinics often offer more modern facilities and shorter waiting times. The quality of care can vary by region, so it is advisable to research the medical infrastructure in your chosen area beforehand. A key aspect is the AMKA number (ΑΜΚΑ), which is required for access to state healthcare. This number is your social security number in Greece and is necessary for all healthcare interactions.
Structure and Functioning of the Greek Healthcare System
The Greek healthcare system is divided into public hospitals and private clinics. Public hospitals provide basic medical care funded by the state. However, there may be longer waiting times and less modern facilities. On the other hand, private clinics often offer higher quality service and more modern facilities, but they are generally more expensive. Many Greeks and expatriates therefore use a combination of both systems to ensure optimal care. It is advisable to be informed about the different facilities and their services in advance to make the right choice when needed. The cost of private health insurance can vary significantly depending on age, pre-existing conditions, and the scope of services.
The Role of the AMKA Number (ΑΜΚΑ) and the Insurance Booklet
The AMKA number (ΑΜΚΑ) is your social security number in Greece and is essential for access to state healthcare. You need this number to be treated in a public hospital or to receive prescription medications. The insurance booklet acts as proof of your health insurance and should be presented at every doctor's visit. To obtain an AMKA number, you must register with a branch of the Greek Social Insurance (EFKA). For this, you generally need your passport or identity card as well as proof of residence in Greece. It is advisable to arrange for the AMKA number early to avoid delays in accessing medical services. Further information on living and working in Greece can be found on the German Federal Foreign Office's page.
Health insurance in Greece: These are your options
If you are emigrating to Greece, you have various options for health insurance available. One option is the German statutory health insurance (GKV), which may also be valid in Greece under certain conditions. Alternatively, you can take out private international health insurance specifically tailored to the needs of expatriates. It is important to carefully weigh the advantages and disadvantages of each option to find the right solution for your individual situation. You should also consider your personal needs and pre-existing conditions to ensure you have optimal coverage in case of illness.
German statutory health insurance (GKV) and its validity in Greece
The German statutory health insurance (GKV) can be valid in Greece under certain conditions. If you emigrate to Greece as a pensioner, you may have the option to remain insured under the German GKV. In this case, you will need the Portable Document S1, which is issued by your health insurance provider. This document entitles you to receive the same benefits in Greece as a Greek citizen. However, there are also restrictions and conditions on using the GKV in Greece. For example, not all services offered by the German GKV are available in Greece, and there may be differences in the quality of care. Therefore, it is advisable to check with your health insurance provider beforehand about the exact conditions and benefits. More information for expatriates can be found at Umziehen.de.
Private international health insurance for long-term stays
For long-term stays in Greece, private international health insurance can be a sensible alternative to the German GKV. These insurances often offer more comprehensive coverage and greater flexibility than the GKV. You can tailor the benefits of your insurance to your personal needs, such as having the freedom to choose your doctors and hospitals. Additionally, many international health insurances provide assistance services in medical emergencies, such as medical transport or translation services. When selecting suitable insurance, you should pay attention to coverage of pre-existing conditions, the validity of the insurance during visits to Germany, and the exclusion of certain services. Comprehensive health insurance is crucial for a worry-free stay abroad.
Top Health Insurances: Your Safety Net in Greece
There are various international health insurance options available on the market that are suitable for a stay in Greece. Some of the most recommended providers include Foyer Global Health, Globality CoGenio, and Cigna Global. These insurers offer different services and rates, allowing you to choose a solution that fits your individual needs. It is advisable to carefully compare the different offers and consult an expert to make the best choice.
Foyer Global Health: Comprehensive cover without hidden exclusions
Foyer Global Health offers comprehensive cover without hidden exclusions and no annual cost limits, even for serious conditions. This insurance is particularly suitable for individuals seeking long-term protection and valuing high service quality. Foyer Global Health also provides quick and uncomplicated claims processing and personal support in German. Another advantage is the free choice of doctors and hospitals worldwide, ensuring you receive the best possible care in case of illness.
Globality CoGenio: Available even without German residency and for pre-existing conditions
Globality CoGenio is another recommended international health insurance that can be taken out even without German residency. This insurance also allows the inclusion of pre-existing conditions, which is particularly beneficial for individuals with existing health issues. Globality CoGenio offers various tariff options, enabling you to customise your insurance services to your needs. Another plus is the worldwide validity of the insurance, ensuring you're protected even when travelling outside Greece.
Cigna Global: Customizable plans and a global network
Cigna Global is one of the largest international health insurers, offering customizable plans and a global network of doctors and hospitals. This insurance is particularly suitable for individuals who value high flexibility and a wide range of healthcare providers. Cigna Global offers various tariff options that differ in terms of services and costs. For instance, you can agree on a deductible to reduce your insurance premium. Another advantage is the 24-hour hotline that is available to assist you with any questions and problems at any time.
Special tariffs for au pairs, students, and Work & Travel (up to 5 years)
There are special tariffs for au pairs, students, and Work & Travel participants that are often cheaper than regular international health insurance policies. These tariffs are generally limited to a term of up to five years and provide basic protection in case of illness and accidents. It is important to carefully check the exact services and conditions of these tariffs to ensure they meet your needs. Some of these tariffs also cover pre-existing conditions, provided these were not known before the start of the journey. More information on international health insurance for Greece can be found at Auslandstreff.de.
Health insurance in Greece: What you should pay attention to
When choosing health insurance for your stay in Greece, there are several important aspects to consider. Pay attention to the coverage of pre-existing conditions, the freedom to choose doctors and hospitals, assistance services in medical emergencies, and the validity of the insurance during visits to Germany. The exclusion of dental treatments and maternity services can also be an important factor in your decision-making process. It is advisable to thoroughly inform yourself in advance and compare different offers to find the insurance that meets your individual needs.
Coverage of Pre-existing Conditions: What to Consider?
Coverage of pre-existing conditions is an important aspect when choosing health insurance. Many insurers exclude pre-existing conditions from coverage or charge a risk premium. If you have a pre-existing condition, you should ensure that it is covered in your insurance policy. Some insurers offer special rates for people with pre-existing conditions, although these are usually more expensive than standard rates. It is advisable to seek expert advice in advance to find the best solution for your individual situation. For example, Globality CoGenio offers the option to cover pre-existing conditions.
Freedom to Choose Doctors and Hospitals Abroad
The freedom to choose doctors and hospitals is another important aspect when selecting health insurance. Many insurers restrict the choice of doctors and hospitals to a specific network. If you value having a choice, ensure that your insurance policy allows it. The option to choose your doctor or hospital gives you the chance to be treated by the professional of your choice in the event of illness. This can be particularly important if you have a rare condition or require specialised treatment.
Assistance Services in Medical Emergencies (Medical Transport, Translation)
Assistance services during medical emergencies can be very valuable abroad. Many insurers offer assistance services such as medical transport, translation or medical advice. These services can help you quickly and easily receive the assistance you need in an emergency. It is advisable to inform yourself about the available assistance services in advance and ensure they meet your needs. A medical transport can be very expensive if not covered by your insurance.
Validity of Insurance During Visits to Germany
If you travel to Germany regularly, ensure that your health insurance is valid during visits there. Many international health insurances offer worldwide validity, including visits to Germany. However, it is advisable to verify the specific conditions with your insurance company in advance. Some insurers limit the validity during visits to Germany to a specific number of days per year. Others exclude visits to Germany from coverage. The validity of the insurance is an important factor for your planning.
Exclusion of Dental Treatments and Maternity Services
Many health insurers exclude dental treatments and maternity services from coverage. If you value these services, ensure they are included in your insurance policy. Dental treatments can be very expensive abroad, and maternity services can also incur significant costs. It is advisable to familiarise yourself with the available services in advance and, if necessary, take out additional insurance. Some insurers offer special rates for dental treatments or maternity services.
Health insurance in Greece: How to save costs
The cost of health insurance in Greece can vary greatly, depending on factors such as age, pre-existing conditions, and the extent of coverage. However, there are ways to reduce costs without sacrificing comprehensive protection. Comparing short-term and long-term policies can help you find the right option. A combination of public (IKA) and private insurance can also be a cost-effective solution. The EHIC (European Health Insurance Card) additionally provides emergency coverage.
Factors Affecting Costs (Age, Pre-existing Conditions, Extent of Coverage)
The costs of health insurance are influenced by various factors. Age is a significant factor, as older individuals generally pay higher insurance premiums than younger ones. Pre-existing conditions can also increase costs, as insurers perceive a higher risk for medical treatments. The extent of coverage also plays a role. The more benefits your insurance covers, the higher the premium typically is. Therefore, it is important to consider these factors and tailor your insurance coverage to your individual needs. The Consumer Centre offers more information on health insurance for long-term stays abroad.
Comparison of Short-term and Long-term Policies
When moving to Greece health insurance, comparing short-term and long-term policies can help save costs. Short-term policies are usually cheaper than long-term ones but often offer fewer benefits. If you are only living in Greece for a limited period, a short-term policy can be a sensible option. However, if you plan to live in Greece permanently, a long-term policy is generally the better choice. It offers more comprehensive protection and is often cheaper in the long run, as premiums do not rise as sharply over time as they do with short-term policies.
Combination of Public (IKA) and Private Insurance
A combination of public (IKA) and private insurance can be a cost-effective solution to ensure optimal coverage when moving to Greece health insurance. Public insurance offers basic coverage, while private insurance provides additional benefits and faster treatment. This combination is especially suitable for those who value comprehensive coverage but are not willing to pay high premiums for purely private insurance. However, it is important to carefully coordinate the benefits of public and private insurance to avoid double insurance and coverage gaps.
EHIC (European Health Insurance Card) for Emergency Coverage
The EHIC (European Health Insurance Card) is a European health insurance card that enables you to receive emergency care in all EU countries, including Greece. If you have an EHIC, you are entitled to the same medical services as a Greek citizen. However, the EHIC only covers the costs of medically necessary treatments that are required during your stay in Greece. It does not cover private treatments or return transportation to Germany. Therefore, it is advisable to take out a private health insurance policy in addition to the EHIC to ensure comprehensive protection. You can find more information about the EHIC and private health insurance in Greece on Insurancy.de.
Social Security in Greece: Your Rights and Obligations
When emigrating to Greece, it's important to inform yourself about social security obligations and agreements. German citizens may be eligible for Greek social benefits, while German social benefits might no longer apply with permanent residence in Greece. Timely information and advice from insurance companies are therefore essential.
Social Security Obligations in Greece: What Emigrants Need to Know
As an emigrant to Greece, you must learn about social security obligations in Greece. Generally, you are required to register with the Greek Social Insurance (EFKA) and pay contributions. The amount of contributions depends on your income and employment status. As a self-employed person, you usually have to pay higher contributions than employees. It is advisable to inquire in advance with EFKA about the exact conditions and services. The Greek social insurance offers various benefits, such as health insurance, pension insurance, and unemployment insurance.
Social Security Agreement between Germany and Greece
There is a social security agreement between Germany and Greece that regulates the rights and obligations of emigrants. This agreement ensures that you do not have to pay contributions to social security twice and that your entitlements to social benefits acquired in Germany are also recognised in Greece. However, it is important to find out in advance from your health insurance and the German Pension Insurance about the exact conditions of the agreement. The social security agreement regulates, for example, the crediting of insurance periods and the payment of pensions abroad.
Entitlement to Greek Social Benefits for German Citizens
As a German citizen, you may be entitled to Greek social benefits if you live and work in Greece. This especially applies to benefits like child benefits, housing benefits, and unemployment benefits. However, the exact conditions and requirements for receiving these benefits vary and depend on your individual situation. It is advisable to get information from the relevant Greek authorities in advance about your entitlements. The entitlement to social benefits can help you maintain your standard of living abroad.
German Social Benefits with Permanent Residence in Greece
With permanent residence in Greece, you may no longer be entitled to German social benefits. This particularly applies to benefits like unemployment benefit II (Hartz IV) and social assistance. These benefits are usually tied to residence in Germany. However, there are exceptions, for example, if you are still insured in Germany or if you receive a pension from Germany. It is advisable to inquire in advance with the relevant German authorities about your entitlements. Bernhard Reise offers a guide to emigrating to Greece.
Emigrating to Greece: Expert Advice on Your Health Insurance
To make the right decision for your health insurance, it is advisable to get informed and seek advice in good time. Obtain quotes from various insurance companies and compare their services and prices. Consider your individual needs and life circumstances. A Social Security Number (ΑΜΚΑ) is essential for accessing healthcare in Greece.
Timely Information and Advice from Insurance Companies
Timely information and advice from insurance companies are essential to make the right decision regarding your health insurance. Insurance companies can provide you with detailed information about the various rates and services and help you choose the right insurance. It is advisable to obtain quotes from different insurance companies and carefully compare their services and prices. Pay attention to the coverage of pre-existing conditions, choice of doctor and hospital, and the assistance services offered. The advice from insurance companies is an important step in planning your stay abroad.
Obtaining a Social Security Number (Socialversicherungsnummer)
Obtaining a Social Security Number (ΑΜΚΑ) is a crucial step to be well-prepared for your Move to Greece Health Insurance. The ΑΜΚΑ is your Social Security Number in Greece and is necessary to access state healthcare. You need this number to receive treatment in a public hospital or to get prescription medications. To obtain an ΑΜΚΑ, you must register with a branch of the Greek Social Security (EFKA). For this, you typically need your passport or ID card as well as proof of residence in Greece.
Considering Individual Needs and Life Circumstances
When choosing health insurance, you should definitely consider your individual needs and life circumstances. For instance, if you suffer from a pre-existing condition, ensure it is covered by your policy. If you regularly travel to Germany, ensure your insurance is also valid during visits to Germany. If you value freedom of choice for doctors and hospitals, ensure your policy allows for this. Your individual needs are crucial in choosing the right health insurance.
Comparison of Various Offers and Services
Comparing various offers and services is essential to find the best health insurance for your needs. Different insurers offer different services and prices. It is advisable to obtain quotes from different insurance companies and carefully compare their services and prices. Pay attention to the coverage of pre-existing conditions, choice of doctor and hospital, and the assistance services offered. Comparing different offers helps you find the best solution.
Living worry-free in Greece: How to secure your health
The right health insurance is crucial for a stress-free start in Greece. Personalised advice helps you find the best solution for your needs. Developments in the field of international health insurance increasingly offer flexible and comprehensive options. Find out more now and secure your health for a relaxed life in Greece.
Summary of Main Points
In summary, choosing the right health insurance when emigrating Greece health insurance is of utmost importance. You should thoroughly research the different options, consider your individual needs, and carefully compare the services and prices of various insurers. Timely information and advice from insurance companies are essential to make the best decision. Good health insurance provides you with protection against high medical costs and ensures access to high-quality healthcare.
Emphasis on the Need for Individual Consultation
The necessity of personalised advice cannot be emphasised enough. Every emigrant has different needs and circumstances that must be considered when selecting health insurance. An individual consultation with an expert can help you find the best solution for your personal situation. The expert can provide you with detailed information about the various tariffs and services and assist you in choosing the right insurance. A personalised consultation is the key to optimal health insurance.
Outlook on Future Developments in International Health Insurance
The field of international health insurance is constantly changing. New technologies and the evolving needs of emigrants lead to increasingly flexible and comprehensive insurance solutions. It is advisable to regularly stay informed about the latest developments and adjust your insurance policy if necessary. Some insurers offer apps that allow you to manage your insurance policy and quickly get help in an emergency. Future developments will make health insurance for emigrants even easier and more comfortable.
Government grants and funding programmes make starting in Greece easier. Whether you prefer private or international health insurance, the options available make optimal coverage achievable.
Enter offers you comprehensive advice and support in choosing the right health insurance, fulfilling the necessary requirements, and navigating the application process.
By opting for a suitable health insurance policy, you are investing in your health and safety in Greece. You not only reduce your potential healthcare costs but also secure consistent medical care.
Now is the perfect time to plan your health insurance for Greece. Contact us today to start your personalised consultation and find the optimal coverage. Register now and receive an initial assessment of your options immediately!
Further useful links
The Bundesverwaltungsamt offers information and advice for emigrants, including specific guidance on Greece.
The Deutsche Auswärtige Amt provides important information about living and working in Greece.
The Verbraucherzentrale provides information about health insurance for long-term stays abroad.
FAQ
What health insurance options do I have as an expat in Greece?
As an expat moving to Greece, you have the option to choose between the state health system (EFKA), take out a private health insurance, or use an international health insurance. The best option depends on your individual needs and your budget.
Do I need an AMKA number to access the Greek healthcare system?
Yes, the AMKA number (ΑΜΚΑ) is your social security number in Greece and is essential for accessing state healthcare. You will need this number to receive treatment in a public hospital or to obtain prescription medications.
Does my German statutory health insurance (GKV) remain valid in Greece?
The German statutory health insurance (GKV) can, under certain conditions, remain valid in Greece, especially for pensioners. You will need the Portable Document S1, which is issued by your health insurance provider. However, check with your health insurance provider beforehand about the exact conditions.
What are the benefits of private international health insurance for Greece?
Private international health insurances often offer more comprehensive coverage and greater flexibility than the GKV. You can tailor the services to your needs and, for example, arrange for free choice of doctor and hospital. Providers such as Foyer Global Health, Globality CoGenio, and Cigna Global are recommended.
Do international health insurances also cover pre-existing conditions?
Some international health insurances, such as Globality CoGenio, offer the option to include pre-existing conditions. This is particularly beneficial for people with existing health issues. Carefully check the terms of the respective insurance policy.
What should I consider when choosing health insurance for Greece?
Pay attention to the coverage of pre-existing conditions, free choice of doctors and hospitals, assistance services in medical emergencies, and the validity of the insurance for visits to Germany. Compare different offers and seek advice from an expert.
How can I save on health insurance costs in Greece?
Compare short-term and long-term policies, consider a combination of public (IKA) and private insurance, and use the EHIC (European Health Insurance Card) for emergency care. Also, consider that factors such as age and pre-existing conditions can affect the costs.
What social security obligations do I have as an expat in Greece?
As an expat in Greece, you are generally required to register with the Greek social security (EFKA) and pay contributions. Familiarise yourself with the social security agreement between Germany and Greece to understand your rights and obligations.
