Skip to content
DigiCare Insurance Greece home page

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.

Get a quote

Reviewed by Costas Matheou, licensed insurance agent · Prices as of 25 September 2026

  • Hospital care: €10,000 a year, public hospitals
  • Medical and pharmacy costs: €1,500 a year
  • Permanent disability from an accident: €15,000

You pay 20% of each covered bill, the legal maximum.

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.

  • 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

  • 3 months to 40

    Price a year
    €69

  • 41 to 65

    Price a year
    €88

  • 66 to 70

    Price a year
    €128

  • 71 to 75

    Price a year
    €250

  • 76 to 80

    Price a year
    €370

  • 81 and over

    Price a year
    price on request

Prices are per person, so a family pays each member's price. 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).

Get a quote

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)

    Insurance for the permit
    private policy

  • Financial investments (Β.4)

    Insurance for the permit
    private policy

  • Financially independent person (Ι.8)

    Insurance for the permit
    private policy

  • Digital nomad (Ζ1)

    Insurance for the permit
    private policy

  • Vocational, language or music school student

    Insurance for the permit
    private policy

  • University student (Η1)

    Insurance for the permit
    ΕΦΚΑ or private policy

  • Family reunification (Ο1)

    Insurance for the permit
    sponsor's fund or private policy, each member covered

  • Non-EU family member of an EU citizen

    Insurance for the permit
    social insurance or private policy

  • 10-year permit (Μ2)

    Insurance for the permit
    social insurance or private policy

  • Business or strategic investor (Β.1, Β.2)

    Insurance for the permit
    social insurance fund

  • Employee

    Insurance for the permit
    e-ΕΦΚΑ, not a private policy

  • National D visa, before the permit

    Insurance for the permit
    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.

What the policy does not cover

  • Private hospitals
  • 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

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).

How to get your certificate

  1. 01

    Request a quote

    Tell us your age, permit type and start date.
  2. 02

    Check and pay

    Read the policy documents (IPID and policy terms) and pay.
  3. 03

    Receive your certificate

    We e-mail the policy and the insurance certificate once the insurer issues them.
  4. 04

    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.

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.
Get a quote

Questions about residence-permit health insurance

I work in Greece. Do I still need private insurance?
No, if you are an employee. Employees and their dependants insure with e-ΕΦΚΑ, and at first filing proof of the ΕΦΚΑ application is accepted (Art. 8(ε) Ν. 5038/2023).
Is €30,000 of cover required?
No. €30,000 is the minimum for Schengen short-stay visa insurance (Regulation (EC) 810/2009, Art. 15). The residence permit needs €10,000 hospital, €1,500 medical and €15,000 accident disability cover a year. The national D visa needs its own travel insurance for the visa period.
Is a foreign or international policy accepted?
It can be. The policy must state that it covers you while you live in Greece and meet the three minimums without exclusions the office treats as abusive (ΚΥΑ 133692/2024, Art. 1). No Greek insurer is required. Travel policies, and expat plans for temporary stays or with a per-claim deductible, usually do not qualify.
Does each family member need a policy?
Yes, on the private route each applicant files cover in their own name. One contract can list several people. Dependants of an employee are covered through the sponsor's ΕΦΚΑ.
Are pre-existing conditions covered?
No. The exclusion lifts if you move to this plan after 12 months of continuous cover with another insurer and no gap.
I'm 65 or over. Can I get cover?
Yes, up to age 80: €128 a year at 66 to 70, €250 at 71 to 75 and €370 at 76 to 80. From 81, ask us for a price. Since February 2026 people aged 65 and over who live permanently in Greece, have lived here for 20 years and have no right to a Greek pension can apply for a permit that requires this kind of cover (Ν. 5275/2026, Art. 35).
Can I cancel after my permit is issued?
Yes, at any time in writing. You get back the unused premium minus a fee of 10% or €50, whichever is higher, and nothing if you made a claim.
Is the 20% an excess?
No. It is a share of each covered bill, not a fixed amount. The insurer pays the other 80%, up to the yearly limit.
Why do permit offices reject a policy?
Amounts below the minimums, a co-pay above 20%, a foreign policy that does not state it covers you in Greece, abusive terms such as deductibles, or a gap in cover at renewal.
Do Ukrainians under temporary protection need it?
No. The temporary-protection permit comes with ΑΜΚΑ and access to public healthcare.

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; 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: