The Greek healthcare system is comprised of private and public healthcare, and it is accessible to both Greeks and foreigners including expatriates who contribute to the national health insurance and possess social security numbers.
Greece’s healthcare system is known as EFKA (Unified Social Security Fund) and provides all residents with free healthcare.
Apart from being free or significantly subsidized for Greek citizens, the Greek healthcare system was proclaimed by the World Health Organization as one of the best in the world.
This guide explains Greek healthcare, including public and private healthcare, and how to access emergency services in Greece. Have a look below to learn more!
Public Healthcare in Greece
The Greek Healthcare System, ESY, provides free healthcare to all citizens, residents, expats, EU citizens, and unemployed in Greece. The system consists of a combination of public and private providers of medical services, which are generally divided into primary, secondary, and tertiary levels of service provision.
ESY provides free medical care for Greek citizens and residents. This system can also benefit expats, unemployed individuals, and EU citizens.
State healthcare in Greece includes:
- Hospitalization
- Laboratory services
- Maternity care
- Transportation
- Health promotion
- Public health surveillance
- Environmental health control
- Control of infectious diseases
- General and specialist care
- Discounts on medicines and drugs
- Medical equipment
Greece provides either free or inexpensive healthcare. A doctor’s referral is not required to make an appointment with a specialist. As a result, there can be a long wait list if you want to get an appointment for specialized treatment.
You may be eligible for free or discounted healthcare benefits if you are an expat working in Greece with a social security number and pay extra for the public health insurance program. If you’re concerned about the language, most employees speak some English in public health facilities. However, finding medical personnel who understand English could be challenging in a small town or hospital.
The largest Social Security Organization in Greece is IKA, covering Greek employees and expats. Alternatively, you can get covered by OAEE – a social security fund available to self-employed foreigners.
If you’re concerned about the long wait time to receive treatment, you can opt for international health insurance coverage in Greece.
Public healthcare in Greece for citizens of EU countries
The European Health Insurance Card (EHIC), valid in all EU member states, can be used to pay for medical services in Greece. However, the costs of private healthcare are not covered by this card. EHIC members can visit a physician in a PEDY (National Primary Healthcare Network) facility and profit from various dental procedures.
How to Apply for Public Healthcare Insurance in Greece
How to apply for public healthcare insurance in Greece if you are employed by an employer
If employed in Greece, you must obtain an AMKA (social security number), and your employer is responsible for making contributions on your behalf. They are also in charge of finding a provider for you. If your place of employment does not enroll you, you should inform the local EFKA office.
The list of documents to provide for the EFKA includes the following:
- Your Greek tax number
- An S1 form
- Passport photocopy
- Two passport-style photos
- AMKA (national social security insurance) number
- Residence certificate (if you are going to be a resident in Greece for more than three months)
If you work in Greece, you must submit a 50-day contribution to EFKA to be covered by insurance. You will receive a health booklet that will verify your insurance. The booklet must be renewed annually.
How to apply for public healthcare insurance in Greece if you’re self-employed
If you work for yourself, you must submit an insurance application to OAEE (Organization for the Self-Employed).
The documents you need to provide the OAEE office with include the following:
- Passport or Greek ID card
- Proof of insurance payments for the last three months
- Two passport-style photos
Because the insurance system is based on reimbursement, you should always verify your insurance coverage with EFKA. It comes in a variety of forms, including different services.
How to get public Greek insurance for dependent family members
Your family will benefit from your health insurance once you have made all the required contributions. Dependent relatives include:
- Your spouse (if unemployed)
- Your parents (under some conditions)
- Unmarried children that live with you until they turn 18, and until 24 if they are unemployed. If your children are students – two years after their studies finish, or once they are 26.
- Children with more than 67 percent disability (it has to be assessed by a medical professional)
- Siblings with more than 67 percent disabilities (it has to be evaluated by a medical professional)
- Grandkids, siblings, or orphans with one parent are protected members, and orphans who have lost both parents.
- Divorced spouse (under some conditions) if they pay the contributions to the institution of the previous spouse.
Private Healthcare in Greece
In Greece, private centers have more modern equipment than state healthcare centers. IKA does not, however, cover these facilities. Greek private hospitals also offer medical care to foreign nationals, and their medical personnel is more likely to know English. Additionally, several private hospitals collaborate with hospitals in the US and other nations.
Since public insurance does not fully cover medical costs, many choose private health insurance. Private medical facilities have shorter wait times than public facilities.
What public insurance doesn’t cover may be covered by private insurance. In some circumstances, private insurance might even pay for everything. If you already have insurance in another nation, you can extend it to cover you in Greece.
7 Best private healthcare providers in Greece
The best healthcare providers in Greece include:
Cost of private healthcare in Greece
The cost of your private healthcare insurance in Greece depends on the provider you choose, your age, coverage level, and whether the plan includes international coverage. The cheapest packages go for roughly €30 per month, while premium ones can amass to over €210 a month.
What does the cost of private insurance in Greece depend on?
The cost of private health insurance depends on different criteria, some of which are:
- Age (the older, the more it costs)
- Gender
- Nationality
- Payment frequency
- Country of residence
- Coverage area (if you are only covered in Greece or other countries as well)
- Product choice (if it uses the newest technology, it will cost more)
- Co-insurance
- Deductibles
What does private health insurance in Greece cover?
In addition to providing comprehensive quality care, Greek private insurance also covers the following:
- Specialist fees
- Elective plastic surgeries
- Modern dental procedures
- Treatment at the best hospitals in the nation
Emergency Services in Greece
Greece has free emergency services, and bigger cities have public ambulance services. Finding one, however, could be difficult in a remote location or on some islands. In the event of an emergency, foreign nationals can call 166. Remember that not all operators will be able to speak English. You must contact the European emergency number 112 to talk to an English operator.
Medication and Pharmacies in Greece
Greece provides easy access to medication, but some drugs could require a hospital visit. If you’re an expat and bring medication from your country, you must do it in the original packaging and bring a letter from your doctor with details of your condition, the drug you are taking, and its generic name. You should also check if your medication is permitted in Greece.
In larger cities, pharmacies are widespread. Since many pharmacists in Greece know English, communicating with them as an expat will be simple. A green cross typically identifies pharmacies.
Mental Healthcare in Greece
There have been more new mental health services introduced in Greece in recent years. In addition, expats living in Greece with international health insurance have access to more sophisticated and extensive services.
Healthcare for Greek Golden Visa Applicants
In Greece, having a Greek Golden Visa does not allow you access to free medical care. You must obtain private insurance to cover your medical expenses in Greece if you decide not to move permanently there.
Read our Ultimate Guide to the Greece Golden Visa
Frequently Asked Questions About the Healthcare System in Greece
Does Greece have good healthcare?
In Greece, there are both public and private healthcare systems. Despite the recent financial crisis, the nation has relatively high expectations for healthcare. The healthcare in Greece is freely accessible to both Greeks and foreigners and ranks as a country with excellent healthcare for expats.
What kind of healthcare does Greece have?
The healthcare system is a hybrid one that combines the National Health System with other social insurance funds. Greece’s government health insurance covers medical expenses. However, private healthcare is also an option.
Is healthcare in Greece free?
All Greek citizens and residents are entitled to free medical care through the ESY, or Greek Healthcare System. Whether you are an EU citizen, an expat, or unemployed, you are eligible for this healthcare.
Who pays for healthcare in Greece?
Although the majority of medical care in Greece is free, all working citizens are required to contribute to social insurance, and about 15 percent of Greeks also purchase private health insurance.
Is there health insurance in Greece for foreigners?
Expat residents who pay into the Social Insurance Institute (IKA) have access to free or inexpensive public healthcare for themselves and their families. The governmental insurance corporation IKA is in charge of managing Greece’s social security.
Does public health insurance cover retirees?
EFKA is covered if you cannot afford to pay for private insurance and are an EU citizen or an expat retiree who spends social security contributions. However, retirees must contribute to prescriptions by paying a lower 10 percent contribution than other patients.
Does public insurance in Greece cover students?
Use an EHIC card to receive insurance if you are an international student from an EU country.
Check the agreements between your nation and Greece if you are not an EU citizen. If there is no agreement, you will need private health insurance.
Does public health insurance cover dental treatment?
Public insurance covers dental treatment, preventive dental care, and orthodontic care until age 13. Dentures change every five years with the provision of services during that time. Other therapies or procedures could need private insurance coverage in addition to these services.
What is the contribution rate for public health insurance?
Your employer is responsible for setting up the EFKA contribution rate, which is around 30 percent of your salary.
