Guides
Written and reviewed by Costas MatheouUpdated:
The DigiCare Insurance guides explain how insurance works in Greece: what the law requires, what a policy pays, what it excludes and what it costs. A licensed insurance agent writes and reviews each one against Greek law and the insurer's own documents. DigiCare Insurance is an online insurance agency for Greece, and the guides below are grouped by product.
Residence permit
These guides explain what the Greek permit authorities ask for, which cover they accept and how to get the certificate for your file.
Foreigners get public ΕΟΠΥΥ care in Greece through Greek contributions (employees after 50 insurance days, self-employed from €250.77 a month in 2026), an EU S1 or EHIC, or as uninsured legal residents with an active AMKA; Golden Visa and financially independent permits bring no AMKA, so private cover is usually the only route.
By Costas Matheou · Updated:
To meet the Greece residence permit health insurance requirements without e-ΕΦΚΑ cover, you need a private policy with at least €10,000 hospital, €1,500 medical and €15,000 accident-disability cover a year, and a co-pay of 20% at most (ΚΥΑ 133692/2024).
By Costas Matheou · Updated:
The Greece Golden Visa is a 5-year renewable residence permit for non-EU buyers of Greek property: €800,000 in Attica, Thessaloniki, Mykonos, Santorini and larger islands, €400,000 elsewhere, €250,000 for a conversion or listed building. Seven steps, one biometrics visit, and ministry data on real waiting times.
By Costas Matheou · Updated:
Health
These guides explain how private plans work next to ΕΟΠΥΥ, what hospital cover pays and what the waiting periods mean.
Private health insurance in Greece costs from €69 a year for a residence-permit plan and about €1,275 a year on average for a long-term hospital contract, before premium tax; a primary-care plan at €48 to €108 pays no hospital bill. Long-term contracts rose 7.49% at the 2026 renewal.
By Costas Matheou · Updated:
Motor
These guides explain the compulsory third-party minimum, what comprehensive cover adds and what happens after an accident.
Car insurance in Greece costs about €87 to €116 a year for basic third-party cover and €200 to €250 for comprehensive at sellers' cheapest September 2026 prices. ΕΑΕΕ data: €107 of third-party claims per private car in 2024, Attica 8.69% claim frequency against 2.75% on Samos.
By Costas Matheou · Updated:
An EU-plated car is insured in Greece by its home policy, with no Green Card; someone who lives abroad may use it here 6 months in any 12, while a resident must register it by the 15th of the month after arrival or face a customs fine of €2,500 to €10,000 by engine size.
By Costas Matheou · Updated:
Author
Costas Matheou
Licensed agentLicensed insurance agent and co-founder of DigiCare Insurance
Costas Matheou, a licensed insurance agent, writes and reviews every guide on this site. He works with customers in Greek and English and checks each guide against the law and the insurer's policy wording before it is published.
Read Costas's profileMethodology
Every legal rule, fee and deadline in a guide comes from a primary source: the Government Gazette (ΦΕΚ), the Bank of Greece, gov.gr or EU law. We re-check each guide on a fixed cycle and whenever the law changes, and the date on each card shows the last review.
The guides are general information about insurance in Greece, not personal advice. The policy wording and the insurer's product information document decide what a specific policy covers.
DigiCare is an insurance agency, and the insurer pays us a commission on policies bought through our quote forms. That commission does not change what a guide says about cover, exclusions or price. The full process is on our editorial policy page.
Found a mistake in a guide? Write to us and we will correct it: info@digicare-insurance.gr
Tell us what you need to insure and we will send you a quote. It is free and you are under no obligation to buy.
Costas MatheouLicensed insurance agent
