- ΚΥΑ 133692/2024
- Greek · English
Health insurance for a residence permit in Greece
From €69 a year for one person aged up to 40 (price as of 25 September 2026), this policy has the cover amounts that ΚΥΑ 133692/2024 requires for a Greek residence permit. With DigiCare Insurance you read the policy terms, in Greek and English, before you pay, and you get the certificate by e-mail for your permit file.
From
€69/year
Reviewed by Costas Matheou, licensed insurance agent · Prices as of 25 September 2026
€69/year
- Underwritten by Arch Insurance (EU) DAC
- Policy terms in Greek and English
- Certificate by e-mail
- Licensed insurance intermediary
ΚΥΑ 133692/2024
Minimum cover for a residence permit, and what our plan pays
Residence-permit health insurance is the private cover that third-country nationals without ΕΦΚΑ insurance must file, with three yearly minimums, each with a co-pay of no more than 20%. The amounts are set by ΚΥΑ 133692/2024 (ΦΕΚ Β' 2724/2024), issued under Art. 176(10) of the Migration Code, Ν. 5038/2023. The 2014 decision many sites still quote was replaced in May 2024, with the same amounts.
| Cover | Legal minimum per year | Maximum co-pay | Our plan |
|---|---|---|---|
| Hospital care, illness or accident | €10,000 | 20% | €10,000 per illness or accident and per year, public hospitals |
| Medical and pharmacy costs | €1,500 | 20% | €1,500 |
| Permanent total or partial disability from an accident | €15,000 | 20% | €15,000 (partial disability paid by the policy's scale) |
| Accidental death | not required | none | €2,000, €1,000 or €500: the only difference between plan versions |
Hospital care, illness or accident
- Legal minimum per year
- €10,000
- Maximum co-pay
- 20%
Our plan
€10,000 per illness or accident and per year, public hospitals
Medical and pharmacy costs
- Legal minimum per year
- €1,500
- Maximum co-pay
- 20%
Our plan
€1,500
Permanent total or partial disability from an accident
- Legal minimum per year
- €15,000
- Maximum co-pay
- 20%
Our plan
€15,000 (partial disability paid by the policy's scale)
Accidental death
- Legal minimum per year
- not required
- Maximum co-pay
- none
Our plan
€2,000, €1,000 or €500: the only difference between plan versions
The policy covers you while you live in Greece; the law does not ask for EU-wide cover. Our guide to residence-permit health insurance requirements covers the full permit file.
Residence permit insurance cost
Price per person by age
Tap your age to see your price
Select a row to see your price
Prices are per person, so a family pays each member's price, less €5 per person when 3 or more people are on one policy. They include Greek insurance premium tax. The price goes by your age on your last birthday and buys the plan version with €500 accidental-death cover.
Cover is underwritten by Arch Insurance (EU) DAC, an Irish insurer authorised to work in Greece under the EU freedom to provide services (Bank of Greece register of insurance undertakings).
Who needs it
Which permits need private health insurance
You need a private policy when your permit gives no social insurance. Employees and their dependants insure with e-ΕΦΚΑ instead (Ν. 5038/2023, Art. 8(ε); ΚΥΑ 95391/2024).
- Golden visa, real-estate investor (Β.5)
- Private policy required: private policy
- Financial investments (Β.4)
- Private policy required: private policy
- Financially independent person (Ι.8)
- Private policy required: private policy
- Digital nomad (Ι.8)
- Private policy required: private policy
- Vocational, language or music school student
- Private policy required: private policy
- University student (Η1)
- Private policy accepted: ΕΦΚΑ or private policy
- Family reunification (Ο1)
- Private policy accepted: sponsor's fund or private policy, each member covered
- Non-EU family member of an EU citizen
- Private policy accepted: social insurance or private policy
- 10-year permit (Μ2)
- Private policy accepted: social insurance or private policy
- Business or strategic investor (Β.1, Β.2)
- Other cover: social insurance fund
- Employee
- Other cover: e-ΕΦΚΑ, not a private policy
- National D visa, before the permit
- Other cover: separate travel insurance
EU citizens do not need this policy, although non-working EU residents and students must hold comprehensive sickness cover. For fuller private cover see health insurance. For the digital nomad permit see digital nomad visa health insurance. The rules for every permit type are in our guide to Greece residence permit health insurance requirements. Which foreigners get public ΕΟΠΥΥ care is covered in health insurance for foreigners in Greece. How the Golden Visa application works: Golden Visa Greece step by step.
Exclusions
What the policy does not cover
- Private hospitals
- Ambulance, sea or air transfer: the policy pays treatment costs only
- Illness in the first 30 days of the policy (6 months for gynaecological problems); accidents are covered from the start date
- Conditions you had before the policy started (unless you had 12 months of continuous cover with another insurer, see the FAQ)
- Dental and eye treatment, check-ups and cosmetic surgery
- Mental and nervous disorders
- Back, neck, joint and hernia conditions listed in the policy
- Communicable diseases
- Treatment outside Greece
- High-risk sports
Example bill
€10,000
On a covered €10,000 public-hospital bill, you pay €2,000 and the insurer pays €8,000, because your share is capped at 20% (ΚΥΑ 133692/2024).
4 steps
How to get your certificate
- 0101
Calculate quote
Tell us your age, permit type and start date.
- 0202
Check and pay
Read the policy documents (IPID and policy terms) and pay.
- 0303
Receive your certificate
We e-mail the policy and the insurance certificate once the insurer issues them.
- 0404
Upload it
Add the certificate to your application on ΟΠΣ «Μετανάστευση», the ministry's online application system.
For the quote you need your passport details, date of birth, address in Greece and the permit type. The insurer asks health questions.
- Passport details
- Date of birth
- Address in Greece
- Permit type
Renewal
How do I renew without a gap in cover?
At renewal the permit office checks that you were insured for every year of the expiring permit (ΚΥΑ 95391/2024, Art. 2(δ)). A policy bought later cannot cover a past uninsured year; a gap year needs proof of unemployment benefit or force majeure, so renew before the expiry date. The policy renews each year unless you or the insurer end it. Our residence-permit renewal guide lists the other renewal documents.
- Renews each year
- Renew before the expiry date
FAQ
Questions about residence-permit health insurance
I work in Greece. Do I still need private insurance?
Is €30,000 of cover required?
Is a foreign or international policy accepted?
Does each family member need a policy?
Are pre-existing conditions covered?
I'm 65 or over. Can I get cover?
Can I cancel after my permit is issued?
Is the 20% an excess?
Why do permit offices reject a policy?
Do Ukrainians under temporary protection need it?
Important information
Cover is underwritten by Arch Insurance (EU) DAC, authorised to operate in Greece under the EU freedom to provide services. Terms, exclusions and limits are in the policy documents (IPID and policy wording) you receive before you pay.
Prices are indicative, for one person on the public-hospital plan with €500 accidental-death cover, by age on the last birthday (up to 40: €69; 41 to 65: €88; 66 to 70: €128; 71 to 75: €250; 76 to 80: €370), as of 25 September 2026; with 3 or more people on one policy, each person's price is €5 lower. Your premium depends on your details. Prices include Greek insurance premium tax.
DigiCare Insurance is a licensed insurance intermediary. Legal information
Complaints: info@digicare-insurance.gr. Out-of-court route: Συνήγορος του Καταναλωτή.
Reviewed by Costas Matheou, licensed insurance agent · Last updated: