Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“Greece’s national (type D) visas require travel medical insurance with minimum cover of €30,000, valid for the whole Schengen area and the full duration of stay, covering emergency care, hospitalisation, and repatriation.”
Official source: Greek Ministry of Foreign Affairs (mfa.gr) national-visa documentation — Last verified:
The honest answer: it depends on age and cover level
Health insurance for Greece starts at $392 a year for an 18-year-old on Essential cover, Regency's lightest tier. That number moves a lot from there; age changes the price, and so does which of the five cover levels you pick.
Greece's residence visa asks for a minimum of €30,000 in medical cover, valid across the whole Schengen area for your full stay, including emergency care, hospitalisation, and repatriation. Every Regency tier's annual limit sits in the US$1,000,000 to US$2,000,000 range; far above that €30,000 line. Clearing the visa requirement is easy. The real decision is what happens inside a Greek hospital: how much of the bill Regency actually covers, and at which tier.
See your own number, not an average, using our calculator, which prices each household member by age.
Real examples: what a 40, 55, or 65-year-old actually pays
These are the same five Regency tiers, priced at three common ages. Annual billing is the cheapest way to pay; the monthly figures are real monthly-billing installments with loading built in, not the annual price divided by twelve.
| Tier | Age 40 | Age 55 | Age 65 |
|---|---|---|---|
| Essential | $589/yr ($57/mo) | $926/yr ($90/mo) | $1,731/yr ($167/mo) |
| Major Medical | $1,081/yr ($104/mo) | $1,701/yr ($164/mo) | $3,180/yr ($307/mo) |
| Standard | $1,804/yr ($174/mo) | $3,199/yr ($309/mo) | $5,367/yr ($519/mo) |
| Comprehensive | $2,475/yr ($239/mo) | $4,334/yr ($419/mo) | $6,917/yr ($669/mo) |
| Fully Comprehensive | $3,094/yr ($299/mo) | $5,418/yr ($524/mo) | $8,646/yr ($836/mo) |
Essential cover is available to age 80; every other tier runs to age 70.
Most FIP retirees moving to Greece land on Comprehensive or Fully Comprehensive; enough room for the kind of care an established life abroad tends to need.
Family pricing: children are a flat rate, not age-banded
If you're moving to Greece on a FIP retiree or family visa, children 0-17 are priced flat, not by age; one number per tier, no rising cost per child.
| Tier | Child (0-17), per year |
|---|---|
| Essential | $308 |
| Major Medical | $566 |
| Standard | $853 |
| Comprehensive | $1,151 |
| Fully Comprehensive | $1,439 |
A family's total is each parent priced by their own age, plus each child at the flat rate above, all on the same tier. Our calculator adds up your exact household total by each member's age.
Annual vs monthly, the permit-stage question, and what's next
Annual billing is the cheapest way to pay across every tier. The monthly figures above are real monthly-billing installments, with loading already built in; not the annual price divided by twelve, so budget the monthly number as its own real cost, not a shortcut version of the yearly one.
Cover starts the same day you buy, with no medical exam and a 14-day cooling-off period; pre-existing conditions are excluded and treatment inside the US isn't covered.
Price is the visa-stage question. Whether your Greek residence permit office will accept a specific certificate is a separate, applicant-reported, office-discretionary matter; a case question, not a checkbox; a person confirms the certificate for your office before you buy, so it matches what your specific office expects.
Next: run your own numbers on the calculator, priced by each household member's age, compare tiers side by side on our tier comparison, or start a quote request once you know your tier.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.