Compare Health Insurance in Greece

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What is health insurance in Greece?

Private health insurance (ιδιωτική ασφάλιση υγείας) supplements Greece's public healthcare by paying for private hospital treatment, faster access to specialists, diagnostic tests and, in some plans, outpatient care. It exists alongside the state system rather than replacing it, giving policyholders choice of doctor and hospital and shorter waits. Plans range from hospital-only cover to comprehensive packages including outpatient and dental.

How the Greek market works

Greeks are covered for basic care through EOPYY, the national health services organisation, funded via EFKA social contributions and giving access to public hospitals and contracted providers. Because public waiting times and comfort can vary, many buy private cover for private hospitals and specialists. Insurers such as Allianz Greece, Ethniki Asfalistiki, Eurolife FFH and Generali Greece offer individual and group plans, often with networks of contracted private clinics and direct-billing arrangements. Employer group schemes are common. Cover is typically structured around an annual limit per person, with in-network private hospitals offering the smoothest, often cashless, claims experience.

Benefits

Private hospital access — treatment in private clinics with a choice of doctor and shorter waits.

Faster specialist care — quicker appointments and diagnostics than public queues can allow.

Direct billing — contracted-hospital networks often settle costs directly with the insurer.

Comprehensive options — add outpatient, maternity and dental cover to hospital-only plans.

Group discounts — employer and family schemes often price lower than equivalent individual cover.

How to choose

Decide whether you need hospital-only cover or fuller outpatient care. Check the annual limit, the excess or co-payment, the hospital network and whether your preferred clinics are included. Review waiting periods for pre-existing conditions and maternity, and how premiums rise with age. Confirm whether the plan tops up EOPYY or works independently. Compare quotes for equivalent cover, and read exclusions on chronic and pre-existing conditions carefully before buying.

Leading providers in Greece

Allianz Greece and Generali Greece bring international scale and broad health ranges. Ethniki Asfalistiki, a long-established Greek insurer, offers wide agent access. Eurolife FFH is a major provider distributed partly through Eurobank. All offer individual and group health plans with private hospital networks; the right choice depends on network, limits and premium.

What it costs

Premiums are individually assessed by age, health, cover level and any excess, so quotes vary widely — a young adult's hospital-only plan costs far less than comprehensive family cover for older members. Premiums generally rise with age. Because pricing is personalised, comparing like-for-like quotes across insurers is the practical way to judge value. Excess (co-payment) choices materially affect the premium: accepting a higher deductible lowers the monthly cost, while zero-excess plans cost more but reduce out-of-pocket outlay at claim time.

Protections and regulation

Private health insurers are supervised by the Bank of Greece's private insurance department for solvency and conduct, alongside EU insurance rules. The public system through EOPYY and EFKA provides the underlying statutory cover. Policyholders can escalate disputes to the insurer, the Hellenic Financial Ombudsman, or the supervisor, and benefit from clear pre-contract disclosure requirements.

Common questions

Do I still need public cover? Yes — private insurance supplements EOPYY rather than replacing statutory cover. Are pre-existing conditions covered? Often excluded or subject to waiting periods; check the terms. Will premiums rise as I age? Generally yes, as health-risk pricing increases with age. Can I choose my hospital? Within the plan's network; comprehensive plans offer wider private-hospital access. Can I keep cover if I change job? Individual policies continue regardless of employment, unlike employer group schemes that may end when you leave. Is dental included? Usually only on comprehensive plans or as an add-on.

Health Insurance in Greece — FAQ