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Moving to Hungary: How to optimally secure your health insurance!
The dream of emigrating to Hungary is getting closer, but what about your health insurance? The EHIC provides short-term coverage, but what happens afterwards? Find out now about the various options, from the Hungarian TAJ card to international health insurance, and discover the coverage that suits your needs. Do you need personal advice? Contact us for an individual solution.
The topic short and concise
The dream of emigrating to Hungary is getting closer, but what about your health insurance? The EHIC provides short-term coverage, but what happens afterwards? Find out now about the various options, from the Hungarian TAJ card to international health insurance, and discover the coverage that suits your needs. Do you need personal advice? Contact us for an individual solution.
The dream of emigrating to Hungary is getting closer, but what about your health insurance? The EHIC provides short-term coverage, but what happens afterwards? Find out now about the various options, from the Hungarian TAJ card to international health insurance, and discover the coverage that suits your needs. Do you need personal advice? Contact us for an individual solution.
The dream of emigrating to Hungary is getting closer, but what about your health insurance? The EHIC provides short-term coverage, but what happens afterwards? Find out now about the various options, from the Hungarian TAJ card to international health insurance, and discover the coverage that suits your needs. Do you need personal advice? Contact us for an individual solution.
Are you planning to emigrate to Hungary? Find out which health insurance is right for you – whether public, private, or a combination. Avoid costly mistakes and ensure comprehensive coverage!
Health Insurance for Expats in Hungary: A Comprehensive Guide
Are you planning to move to Hungary? A crucial aspect to consider is health insurance. The Hungarian healthcare system differs from the German system, and it is vital that you, as an expat or resident, are fully protected. A standard travel insurance is not sufficient for a long-term stay, and the European Health Insurance Card (EHIC) has its limitations. Therefore, it is important to explore the various options early on to avoid costly mistakes and ensure comprehensive coverage. At GoMovin, we understand the challenges associated with an international relocation and offer tailor-made moving solutions that also cover the organisation of your insurance matters.
Overview of the Hungarian healthcare system and the necessity of adequate health insurance for expats.
The aim of this article is to provide you with a comprehensive overview of the health insurance options in Hungary. We inform you about the specifics of the Hungarian healthcare system, the various insurance options – from the state TAJ card to private coverage – and offer guidance in choosing the right health insurance. This way, you can ensure that you are well cared for in the event of illness and can fully focus on your new life in Hungary. Before you emigrate, you should inform yourself about the implications for your health, accident, unemployment, and pension insurance.
Why a special health insurance for Hungary?
There are several reasons why a special health insurance for Hungary is sensible: Firstly, standard travel insurances are inadequate for long-term stays as they generally only apply for a limited period. Secondly, the Hungarian healthcare system is different from that in Germany, which means you may not receive the same benefits as at home. Thirdly, although EU citizens are entitled to certain benefits through the EHIC, there are limitations, particularly with chronic illnesses or long-term treatments. Therefore, it is advisable to take out private international health insurance to bridge coverage gaps, as insurancy.de highlights.
Objective of the article:
Our goal is to provide you with all the necessary information so that you can make an informed decision. We explore the different insurance options, offer you guidance in choosing the right health insurance and inform you about the specifics of the Hungarian healthcare system. This way, you are well-prepared to smoothly transition your move to Hungary and protect your health.
Hungary's healthcare system: Quality varies, private options offer advantages
The Hungarian Healthcare System: An Overview
The Hungarian healthcare system is divided into two parts: there is a public health system, funded by taxes and social security contributions, and a private health system. The public system is open to all citizens and residents with a TAJ card, while the private system is fee-based and generally offers a higher standard. The quality of medical care in the public system can vary, and there may be waiting times. In the private system, on the other hand, you benefit from quicker appointments, better facilities, and often English-speaking doctors. Halloungarn.com confirms that medical care in Hungary meets Western standards.
Structure of the Healthcare System: Public vs. Private
The public health system is financed by the National Health Fund (OEP) and provides basic medical care for all insured individuals. The TAJ card is the key to accessing this system. The private health system, on the other hand, offers higher quality and quicker care but comes with additional costs. Many expats choose a combination of both systems to take advantage of the best of both worlds. It is advisable to gather information on the various options in advance and take out appropriate insurance.
Public Health System (OEP/TAJ Card):
The public healthcare system in Hungary is funded by taxes and social security contributions. Insured individuals pay 4% of their gross income, while employers contribute 11% (self-employed individuals pay 15%). Access to the public system is possible via the TAJ card, issued following registration with the National Healthcare Fund (OEP). However, the quality of care can vary, and there may be waiting times. Wohnsitzausland.com notes that public hospitals may not meet Western Europe's hygiene and service standards.
Private Health System:
The private healthcare system in Hungary offers a higher standard, often with English-speaking doctors trained in Western countries. Here, you benefit from faster appointments and better facilities. However, this care is chargeable, which is why private supplementary insurance is advisable. Many expats use the private system for specialised treatments or to avoid waiting times in the public system. It is important to note that private health insurance does not typically replace access to the public system but complements it.
The Role of the European Health Insurance Card (EHIC)
The European Health Insurance Card (EHIC), also known as the European Health Insurance Card, plays an important role for short-term stays in Hungary. It enables EU citizens to access medically necessary treatments during a temporary stay in Hungary. However, it is important to understand that the EHIC is not sufficient for long-term stays or chronic conditions.
Validity and Services:
The EHIC is valid for short-term stays (up to 90 days) and covers medically necessary treatments. This means you receive the same services as Hungarian citizens in emergencies or acute illnesses. However, the EHIC does not cover planned treatments or chronic conditions. For long-term stays or if you have specific medical needs, private health insurance is essential. Bernhard-reise.com points out that the EHIC is valid for the first three months in Hungary.
Health insurance in Hungary: Registration and obligations for Germans
Health Insurance Obligation in Hungary for Germans
If you move to Hungary as a German, you are subject to certain legal provisions and requirements regarding health insurance. For a longer stay (over 3 months), registration with the National Health Insurance Fund (OEP) is required to obtain a TAJ card. If you are employed or self-employed in Hungary, you are also subject to social insurance and must pay health insurance contributions. However, there are also special cases, such as retirees, students, and the unemployed, for whom specific regulations apply.
Legal Provisions and Requirements.
Hungarian laws stipulate that all residents living in the country for more than three months must register with the National Health Insurance Fund (OEP). This is to ensure access to the public healthcare system and to make sure all residents are insured. Registration is an essential step to obtaining a TAJ card, which is crucial for accessing medical services. It is advisable to obtain information early on about the specific requirements and procedures to avoid delays or issues.
Registration with the National Health Insurance Fund (OEP) for a Longer Stay (over 3 months).
For registration with the OEP, you need certain documents, including your ID, proof of residence, and proof of income. After successful registration, you will receive the TAJ card, which provides access to the Hungarian healthcare system. It is important to note that the TAJ card is not always recognized abroad, so it is advisable to apply for an EHIC for travel outside Hungary, as the German Embassy in Budapest recommends.
Social Insurance Obligation for Employment or Self-Employment.
If you are employed or self-employed in Hungary, you are subject to social insurance and must pay health insurance contributions. The contributions amount to 4% of your gross income, with employers contributing an additional 11% (15% for the self-employed). However, there are exceptions and special regulations, especially for KATA companies, where contributions are set at a flat rate. It is important to be informed about the exact regulations and ensure you meet your obligations.
Special Cases: Retirees, Students, Unemployed.
There are specific regulations regarding health insurance in Hungary for retirees, students, and the unemployed. Retirees are generally automatically covered by the Hungarian system, though supplementary insurance is often recommended. Students also require health insurance, which can sometimes be free of charge. The unemployed must also register with the OEP to gain access to the healthcare system. It is advisable to seek individual advice to find the right solution.
Retirees:
Retirees moving to Hungary are generally automatically covered by the Hungarian system without having to pay contributions. However, it is often recommended to take out supplementary insurance to expand coverage and ensure better care. Another option is to continue insurance in Germany to receive familiar benefits. It is important to weigh the different options carefully and find the best solution for your individual needs.
Statutory or private: Choosing the optimal health insurance for Hungary
Options for Health Insurance in Hungary
In Hungary, you can choose between public health insurance (TAJ card) and private (international) health insurance. Both options have advantages and disadvantages that you should consider when making your decision. Public health insurance provides access to the public health system and is cost-effective, while private health insurance offers a higher standard, quicker appointments, and a more comprehensive range of services. There are special offers available for expats and expatriates tailored to their needs.
Public Health Insurance (TAJ card).
Public health insurance via the TAJ card offers the advantage of access to the public health system and is cost-effective. However, you may encounter differences in quality and waiting times. Additionally, communication problems can arise due to language barriers. If you value basic medical care and want to save costs, the TAJ card can be a good option. It is important to note that the TAJ card is not always recognised abroad, so additional travel health insurance is recommended for travel outside Hungary.
Advantages:
Access to the public health system.
Cost-effective.
Disadvantages:
Possible differences in quality and waiting times.
Language barriers.
Private (International) Health Insurance.
Private (international) health insurance offers a higher standard, better facilities, and faster appointments. English-speaking doctors are often available. You also benefit from a more comprehensive range of services, which can include dental treatments and repatriation. Another advantage is worldwide coverage, which benefits you when travelling outside Hungary. However, the costs of private health insurance are higher than public health insurance. It is advisable to carefully compare the various offers and choose insurance that meets your individual needs. Florida-Krankenversicherung.de emphasises that international health insurance is essential for a move to Hungary.
Advantages:
Higher standard, better facilities.
Faster appointments, often English-speaking doctors.
More comprehensive range of services (e.g. dental treatments, repatriation).
Worldwide protection.
Disadvantages:
Higher costs.
Special Offers for Expats and Expatriates.
There are special offers from various insurance providers for expats and expatriates, such as Foyer Global Health, Globality CoGenio, and Cigna Global Health Options. These offers are tailored to the needs of people living and working abroad. It's important to compare the various offers regarding coverage, costs, and terms to find suitable insurance. Clarify the conditions before your departure to ensure you are optimally covered in the event of illness.
Optimal Health Insurance: Compare benefits, costs, and flexibility
Choosing the Right Health Insurance: What You Should Consider
Selecting the right health insurance is an important decision that should be carefully thought out. Pay attention to the coverage, the costs, and the contract terms. Compare different offers and choose insurance that suits your individual needs and life circumstances. Also, consider the flexibility and adaptability of the insurance to ensure you are optimally covered in the event of changes to your life situation.
Coverage: What Is Really Important?
When it comes to coverage, make sure that basic care is covered, including outpatient and inpatient treatment, dental care, and medications. Additionally, extra benefits like repatriation or alternative treatment methods can be important. Especially in emergencies, the significance of assistance services such as medical transport and interpreting should not be underestimated. It is advisable to choose insurance that covers a wide range of services to be optimally cared for in case of illness. Insurancy.de recommends paying attention to assistance services like medical transport and interpreter services with international health insurances.
Basic Care vs. Extra Benefits.
Outpatient and inpatient treatment.
Dental care.
Medications.
Repatriation.
The Importance of Assistance Services (e.g. medical transport, interpreter).
Particularly important in emergencies.
Costs and Contract Terms.
The costs and contract terms are also important factors when choosing the right health insurance. Pay attention to the premium amount and deductible, the duration, termination terms, and renewal options as well as exclusions and limitations (e.g. pre-existing conditions, age limits). It is advisable to carefully review the contract terms and seek advice if anything is unclear. A low premium is not always the best choice if the coverage is limited or there are high deductibles.
Flexibility and Adaptability.
A good health insurance should be flexible and adaptable to meet your individual needs and life circumstances. Pay attention to the possibility of freely choosing doctors and hospitals as well as the ability to adjust the insurance coverage when necessary. For example, if you plan to travel frequently, the insurance should also be valid abroad. A flexible and adaptable insurance gives you the confidence that you are optimally covered in any situation.
Emigrate safely: Arrange health insurance before departure
Tips and Recommendations for Expats
Good preparation is crucial for successful emigration. Ensure you clarify your social security status in Germany and Hungary before your departure, seek individual advice from insurance companies and authorities, and take out suitable health insurance before you leave. During your stay in Hungary, you should register with the OEP and apply for the TAJ card. Continuously review your insurance coverage and familiarise yourself with the emergency numbers and contact points in case of illness.
Preparation before emigrating.
Before moving to Hungary, make sure to clarify your social security situation in both Germany and Hungary. This includes resolving your health, accident, unemployment, and pension insurance. Seek individual advice from insurance companies and authorities to ensure you take all necessary steps. Take out suitable health insurance before leaving to be well-protected from the start. Bernhard-reise.com recommends taking out an expat-specific insurance policy for long-term stays.
Clarifying the social security situation in Germany and Hungary.
It is important to familiarise yourself early with the social security regulations to avoid unexpected problems. Determine which benefits you are still entitled to in Germany and which you can receive in Hungary. Consult experts to ensure you take all the necessary steps. Good preparation is the key to a worry-free start to your new life in Hungary.
Getting individual advice from insurance companies and authorities.
The individual circumstances of each expat vary, which is why personal advice is essential. Get advice from insurance companies and authorities to find the best solution for your needs. Ask all the important questions and have all details explained. Good advice will help you make the right decisions and be optimally prepared for your relocation.
Taking out suitable health insurance before departure.
Taking out suitable health insurance before departure is a must. This ensures you are well-protected from the start and can fully focus on your new life in Hungary. Compare the various offers and choose an insurance policy that meets your individual needs. Pay attention to the scope of services, costs, and contractual conditions. Good health insurance gives you the confidence that you are well taken care of in the event of illness.
During your stay in Hungary.
During your stay in Hungary, you should register with the OEP and apply for the TAJ card. Continuously check your insurance coverage to ensure it meets your needs. Familiarise yourself with emergency numbers and contact points in case of illness. This way, you are well-prepared to act quickly and effectively in an emergency.
Registering with the OEP and applying for the TAJ card.
Registering with the OEP and applying for the TAJ card are essential steps to gain access to the Hungarian healthcare system. Make sure you have all the required documents ready and submit your application on time. The TAJ card is your access to medical services in Hungary. Keep the card safe and always have it with you.
Continuous review of insurance coverage.
Your needs and living situation may change over time, so you should regularly review your insurance coverage. Adjust your insurance if necessary, to ensure you are always optimally protected. Regular reviews help you avoid coverage gaps and receive the best possible care in case of illness.
Knowing emergency numbers and contact points in case of illness.
In case of illness, it's important to know the emergency numbers and contact points. Get information about the nearest hospitals, doctors, and pharmacies. Save the emergency numbers in your phone and familiarise yourself with local customs. This way, you can act quickly and effectively in an emergency and get the help you need.
Additional aspects.
Besides health insurance, there are other aspects to consider when emigrating to Hungary. Check your vaccination protection and update it if necessary. Take essential medications with you (after consulting your doctor). Consider language barriers and take language courses if necessary. Good preparation will help you settle quickly into your new home and feel comfortable.
Living worry-free in Hungary: Personalised advice ensures optimal care
Conclusion: Living well-insured in Hungary
Choosing the right health insurance is crucial for a worry-free stay in Hungary. Both public and private health insurance have their advantages and disadvantages. Individual advice is essential to find the right solution. Make sure you are fully informed and make the right decision for your health. At GoMovin, we are happy to assist you with our expertise to make your move to Hungary as smooth as possible.
Summary of the key points.
Choosing the right health insurance is an important step when preparing to relocate to Hungary. Consider your individual needs and circumstances, compare the different offers, and get personalised advice. This way, you can ensure that you are well-covered in the event of illness and can focus entirely on your new life in Hungary.
Choosing the right health insurance is crucial for a worry-free stay in Hungary.
A good health insurance provides the reassurance that you are well cared for in the event of illness. It protects you from high costs and enables you to access high-quality medical care. Invest time and effort in choosing the right insurance to benefit from the advantages in the long term.
Both public and private health insurance have their advantages and disadvantages.
Public health insurance is cost-effective and offers access to the public healthcare system. Private health insurance offers a higher standard, quicker appointments, and a more comprehensive range of services. Carefully weigh the pros and cons to find the best solution for your needs.
Individual advice is essential to find the right solution.
The individual circumstances of each expatriate are different, which is why personalised advice is essential. Consult with experts to find the best solution for your needs. Ask all the questions that are important to you and have all the details explained. Good advice helps you make the right decision and prepare optimally for your relocation.
Outlook on future developments in the Hungarian healthcare system.
The Hungarian healthcare system is constantly evolving. It is important to stay informed about future developments in order to adjust your insurance coverage if necessary. Inform yourself about possible reforms and improvements as well as the significance of digitalisation and telemedicine. This way, you can ensure that you will be well cared for in the future.
Potential reforms and improvements.
The Hungarian healthcare system faces various challenges that call for reforms and improvements. Stay informed about potential changes and adjust your insurance coverage if necessary. This way, you can ensure that you are well cared for in the future.
The significance of digitalisation and telemedicine.
Digitalisation and telemedicine are playing an increasingly important role in healthcare. Learn about the opportunities these technologies offer you and use them to enhance your medical care. Telemedicine services, for example, can make it easier for you to access doctors and reduce waiting times.
Appeal to expatriates: Make sure you are fully informed and make the right decision for your health.
Your health is your most valuable asset. Make sure you are fully informed about health insurance in Hungary and make the right decision for your health. A good health insurance provides the reassurance that you are well-covered in the event of illness and can focus entirely on your new life in Hungary.
Planning your move to Hungary? We at GoMovin are happy to assist you! From planning to execution – we are your reliable partner for a stress-free move. Contact us today for a non-binding consultation!
Further useful links
The Federal Office of Administration provides information on the impact of emigration to Hungary on your health, accident, unemployment, and pension insurance.
The German Embassy in Budapest offers advice on staying in Hungary, including information on health insurance.
The National Health Insurance Fund (NEAK) is the official Hungarian authority for health insurance and provides information on the Hungarian healthcare system.
FAQ
Which health insurance do I need as an expatriate in Hungary?
For a long-term stay in Hungary, a standard travel insurance is not sufficient. A comprehensive international health insurance is recommended to fill coverage gaps and ensure access to high-quality medical care.
What is the TAJ card and how do I obtain it?
The TAJ card is the Hungarian health insurance card that provides access to the public health system. You obtain it after registering with the National Health Insurance Fund (OEP) if you live and work in Hungary or meet certain conditions.
As a German pensioner, am I automatically insured in Hungary?
As a pensioner, you are usually automatically covered by the Hungarian system, but an additional insurance is often recommended to expand the scope of benefits and ensure better care.
What benefits does private health insurance offer in Hungary?
Private health insurance offers a higher standard, faster appointments, often with English-speaking doctors, and a broader range of services (e.g., dental treatments, repatriation).
What should I consider when choosing international health insurance?
Pay attention to the scope of benefits (basic and additional services), the costs (premium level, deductibles), and the contract terms (duration, cancellation periods, exclusions). Compare different offers and choose an insurance that suits your individual needs.
How does the European Health Insurance Card (EHIC) work in Hungary?
The EHIC is valid for short stays (up to 90 days) and covers medically necessary treatments. However, it is not sufficient for long-term stays or chronic conditions.
What happens if I work or am self-employed in Hungary?
If you are employed or self-employed in Hungary, you are subject to social insurance and must contribute to health insurance. The contributions amount to 4% of your gross income, with employers contributing an additional 11% (self-employed 15%).
Where can I get more information and advice on health insurance in Hungary?
You can get information from insurance companies, authorities (e.g., German Embassy in Budapest, OEP), and independent advisors. An individual consultation is recommended to find the right solution for your needs.
