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Private medical insurance in Greece

Six plans from hospital-only to full out-patient care, in Greece and abroad, for anyone under 80 who lives in the EEA. If a public hospital treats you free, the plan still pays you €100 to €150 a night.

  • Classic, €2,000,000 a year: private room, surgery and cancer treatment paid in full
  • €125 a night in cash when a public hospital treats you free, up to 30 nights
  • Out-patient care: specialists €1,250, medicines €2,000, tests and scans in full

Planned hospital care needs pre-authorisation; without it you pay 40%.

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Reviewed by Costas Matheou, licensed insurance agent

DCare plans

What each health insurance plan pays

DCare International Medical Insurance pays eligible private hospital, surgeon and specialist costs, in Greece and abroad, on top of any ΕΟΠΥΥ cover. The six DCare plans, underwritten by SI Insurance (Europe), SA, differ in the yearly limit and in how much out-patient care they pay: Basic is hospital-only, Prime pays out-patient care in full, and each Plus version adds dental and optical care.

Yearly limit per person

Basic
€1,000,000
Core
€1,500,000
Classic
€2,000,000

Prime

€3,000,000

Hospital, private room, surgery, cancer

Basic
in full
Core
in full
Classic
in full

Prime

in full

Cash if a public hospital treats you free

Basic
€100 a night, 15 nights
Core
€100 a night, 15 nights
Classic
€125 a night, 30 nights

Prime

€150 a night, 45 nights

Specialist visits

Basic
not covered
Core
90 days before and after surgery, €400
Classic
€1,250

Prime

in full

Prescribed medicines

Basic
not covered
Core
€400
Classic
€2,000

Prime

in full

Tests and scans

Basic
not covered
Core
€500
Classic
in full

Prime

in full

Physiotherapy

Basic
not covered
Core
€500
Classic
€1,000

Prime

€2,500

Maternity, after 12 months

Basic
not covered
Core
€1,000
Classic
€3,000

Prime

€5,000

Emergency air transport

Basic
€100,000
Core
€100,000
Classic
in full

Prime

in full

Evacuation to your country of residence

Basic
in full
Core
in full
Classic
in full

Prime

in full

Repatriation

Basic
€10,000
Core
€10,000
Classic
€25,000

Prime

in full

Dental and optical

Basic
not covered
Core
not covered
Classic
Classic Plus: €500 dental, €100 optical

Prime

Prime Plus: €1,000 dental, €150 optical

Limits are per person per policy year; “in full” means eligible costs at usual and customary rates, after the deductible. For any plan you choose the area of cover (worldwide with or without the USA; without it, benefits that apply abroad work in the USA for up to 30 days in a row) and a deductible of Nil, €150, €350, €650, €1,700, €3,500 or €6,500.

Private health insurance cost

Health insurance prices by age and plan

Who's covered?

Dates of birth

The premium depends on age only, so we ask for dates of birth, not names.

Residence and cover

The plan is for people who live in the EEA.

US treatment up to 30 days in a row

  • No name, e-mail or phone needed
  • Prices include Greek premium tax

Your quote shows a yearly price per person for each of the six plans. Premiums include Greek insurance premium tax (15%); children under 18 pay none.

Underwritten by SI Insurance (Europe), SA, a Luxembourg insurer listed by the Bank of Greece register as active in Greece under the EU freedom to provide services.

Who can apply

Who can buy this health insurance

You can apply if you are under 80 when the policy first starts and you live in the EEA for more than 183 days a year. Cover ends if you move out of the EEA.

Greek resident insured with ΕΟΠΥΥ
Accepted: Yes, as extra cover
Expat or retiree living in Greece
Accepted: Yes
EU pensioner with an S1 form
Accepted: Yes, on top of public care
Spouse, partner or children living with you
Accepted: Yes, on the same policy
Aged 80 or over when the policy would start
Other: No new policy
Living outside the EEA
Other: Not eligible
Non-EU national who needs a residence-permit policy
Other: See residence-permit health insurance
Employer insuring staff
Other: See group cover below

For a residence-permit policy see health insurance for a residence permit; employers insuring staff see group health insurance below.

Exclusions

What the plans do not pay

  • Conditions you had in the 24 months before the start, or that show in the first 30 days, unless the insurer accepts them in writing
  • For the first 12 months: maternity, dialysis, check-ups, in-patient psychiatric care, chronic and congenital conditions
  • For the first 3 months: dental and optical care on the Plus plans
  • On Basic: out-patient care, maternity and dialysis
  • Cosmetic surgery, weight loss, fertility treatment and sleep disorders
  • Epidemics and public health emergencies
  • Hazardous sports, intoxication and self-harm
  • Charges above the usual and customary rate

Example bill

€10,000

You · €4,000Insurer · €6,000

Take an eligible, non-emergency €10,000 hospital stay without pre-authorisation. You pay €4,000 (40%) and the insurer €6,000, before any deductible. With pre-authorisation and a €350 deductible not yet used this year, you pay €350 and the insurer €9,650 (policy wording, Part III).

4 steps

How to buy health insurance online

  1. 01

    Calculate quote

    Choose the plan, area and deductible, and give the age of everyone to be insured.

  2. 02

    Answer the health questions

    A full medical questionnaire, a moratorium form (six screening questions instead of the full list), or a switch that keeps your current policy's exclusions (up to age 65). The insurer accepts, adds exclusions or declines.

  3. 03

    Accept and pay

    The insurer confirms in writing; pay yearly, or monthly by SEPA direct debit.

  4. 04

    Certificate by e-mail

    Cover starts on the date shown; waiting periods run from that date. Get written pre-authorisation from the 24/7 assistance line before hospital care or any bill likely to exceed €3,000; report claims within 90 days.

Documents: ID or passport, proof of address, medical reports for any “yes” answer, an IBAN.

  • ID or passport
  • Proof of address
  • Medical reports
  • IBAN

Employers

Group health insurance for employees

The same six plans are available as a group policy for staff and their families, as a compulsory or voluntary benefit. Terms, the underwriting insurer and the price are set in the group quote.

  • Compulsory or voluntary benefit for eligible employees
  • Worldwide with the USA: in-network care paid in full, out-of-network 80%
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FAQ

Questions about health insurance in Greece

How much does private health insurance cost in Greece?
It depends on age, plan, deductible and area of cover. Each family member pays their own price, so enter everyone's date of birth in the calculator above for a family quote. Our guide to private health insurance costs compares the wider market.
I have ΕΟΠΥΥ. Why pay for private cover?
ΕΟΠΥΥ stays your base cover; the plan adds private hospitals, cover abroad and cash when a public hospital treats you free. Our ΕΟΠΥΥ vs private health insurance guide sets out the difference.
Can I get health insurance after 60 or 70?
Yes, if you are under 80 when the first policy starts. The price rises with age. Switching insurer with your current exclusions carried over (CPME) is open up to 65.
Are pre-existing conditions covered?
Only if you declare them and the insurer accepts them in writing. A pre-existing condition is anything you had symptoms, advice or treatment for in the 24 months before the start, plus any illness that shows in the first 30 days.
When can I use maternity cover?
For a birth at least 12 months after the policy starts: up to €1,000 on Core, €3,000 on Classic and €5,000 on Prime. Basic has no maternity cover.
What is the deductible, and which should I choose?
It is the amount you pay each policy year before the insurer pays, from Nil to €6,500. On a covered €14,000 operation you pay €150, €1,700 or €6,500 depending on the deductible, if none of it is used yet that year and the stay was pre-authorised. Once the deductible is used up, later claims that year are paid without it. A higher deductible lowers the premium. Check-ups, dental and optical care are paid without it.
What happens if I don't get pre-authorisation?
For hospital-type care you pay 40% of the cost; the insurer may waive this in a genuine emergency. Evacuation and repatriation are not paid at all. Call the 24/7 assistance line, which has a Greek number, before treatment: it approves the care and coordinates the admission. Bills are paid at usual and customary rates, so confirm how the hospital will be paid before you are admitted.
Is it better to buy online, through a local agent or at a bank?
We are paid a commission by the insurer, not a fee by you. A bank offers its partner insurer's plans. Online with us you see the named insurer and its policy documents before paying, with 14 days to cancel.
Does it cover me abroad?
Yes, worldwide. On the option without the USA, US treatment is limited to 30 consecutive days for benefits that apply abroad.
Does the policy renew automatically, and can the price change?
Yes, it renews every 12 months. The insurer can change the premium or terms, or decline to renew, with at least 30 days' written notice.
Can I cancel?
Within 14 days of receiving the policy you get a full refund if you have made no claim. After that, you get a pro-rata refund if there has been no claim in the current policy year.
Is the EHIC enough if I live in Greece?
No. The EHIC covers state healthcare during a temporary stay in another EU or EEA country, Switzerland or the UK. Residents get public care by registering with ΕΦΚΑ and ΕΟΠΥΥ when they qualify, or with an S1 form.
Important information

Cover is underwritten by SI Insurance (Europe), SA. Terms, exclusions and limits are in the policy documents (IPID) provided before purchase.

Your premium depends on your details: age, plan, deductible and area of cover. Premiums include Greek insurance premium tax (15%); children under 18 are exempt.

DigiCare Insurance is a licensed insurance intermediary. Legal information

Complaints go first to the insurer; you can also contact the Consumer Ombudsman (Συνήγορος του Καταναλωτή) or a registered ADR body.

Reviewed by Costas Matheou, licensed insurance agent · Last updated: