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Greece · visa health insurance

Health insurance for Greece’s FIP visa

By Covered Abroad Research Desk · Last verified July 2026

Greece’s financially-independent-person (FIP) route publishes a clear visa-stage rule: travel medical insurance of at least €30,000, valid for the whole Schengen area and the full duration of stay, covering emergency care, hospitalisation and repatriation. At the residence-permit stage after arrival, offices expect fuller cover valid in Greece — we arrange residence-grade cover that clears the €30,000 line with room to spare, and a person confirms the certificate for your office before you buy.
Get a certificate that meets this rule Check my current policy

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 visa-stage rule, cited and met

The Ministry of Foreign Affairs publishes the national (type D) visa standard: minimum €30,000, the whole Schengen area, the full duration, with emergency care, hospitalisation and repatriation. Every cover level we arrange carries an annual limit far above €30,000, with the certificate stating territory, dates and repatriation the way the consulate reads them.

The permit stage — handled honestly

After arrival, Greece’s decentralised administration offices handle the residence permit, and applicants report those offices expecting fuller health cover valid in Greece, comparable to public-system cover. This expectation is office-discretionary rather than a single published line — so we treat it as a case question, not a checkbox.

Our underwriting partner has confirmed placements for Greece (July 2026). A person reviews your office and case, and is straight about what the certificate can and cannot state, before you buy.

Retiring or living independently in Greece

The FIP visa is Greece’s retiree and independent-means route — the same profile as Italy’s elective residence visa, with a lighter published insurance rule. Cover is worldwide excluding the United States, and pre-existing conditions are excluded; we say both before you request a quote.

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.

Cover levels that meet the rule

Benefits shown are public. Premiums are quote-based — we never publish prices.

Standard

From $1,133/yearabout $94/mo billed annuallyChildren 0–17: flat $853/yr

Adds everyday outpatient care — GP and specialist visits, prescriptions, and tests — to hospital cover.

  • US$1,000,000 overall plan limit per year
  • GP, specialist, medication & lab tests (US$750 each)
  • Outpatient surgical to US$25,000
  • Semi-private hospital room & board
  • Pre- & post-hospitalisation cover

New applicants up to age 70.

+ everything included — hover to expand

Scope: No dental or wellbeing benefits at this level.

Choose StandardSee your price by age →
Most chosen for visa moves

Comprehensive

From $1,525/yearabout $127/mo billed annuallyChildren 0–17: flat $1,151/yr

Broad family cover: full outpatient, dental, wellbeing check-ups, and parental accommodation.

  • US$1,000,000 overall plan limit per year
  • Full outpatient: GP, specialist, meds, tests, physiotherapy
  • Dental (major & emergency, inpatient) + annual check-ups
  • Parental accommodation (added bed, same room)
  • Organ transplant cover to US$100,000
  • Annual wellbeing check-ups to US$250 (co-insurance)

New applicants up to age 70.

+ everything included — hover to expand

Choose Comprehensive

Want the maximum? Fully Comprehensive adds a private room, a US$2,000,000 limit and routine dental from about +$32/mo.

See your price by age →

Fully Comprehensive

From $1,906/yearabout $159/mo billed annuallyChildren 0–17: flat $1,439/yr

The highest level: full-cover room, uncapped surgeon fees, routine dental, and the largest limits.

  • US$2,000,000 overall plan limit per year
  • Full-cover private room & board
  • Full surgeon, professional & outpatient cover
  • Routine & major dental (after 6-month wait)
  • Wellbeing check-ups & vaccinations to US$500

New applicants up to age 70.

+ everything included — hover to expand

Choose Fully ComprehensiveSee your price by age →

See your exact price by age →

Budget options — limited cover

Essential Health

From $392/yearabout $33/mo billed annually

A budget plan for accident and emergency care in state hospitals only. Not full private health cover.

  • US$100,000 maximum plan limit per year
  • Unforeseen accident & emergency care only

Scope: State hospitals only, accident/emergency only. No outpatient, dental, or wellbeing cover. Not a substitute for full private health insurance on a visa application.

Choose Essential Health →

Major Medical

From $721/yearabout $60/mo billed annually

Hospital-focused cover: inpatient treatment, surgery, and emergencies, worldwide outside the US.

  • US$1,000,000 overall plan limit per year
  • Semi-private hospital room & board
  • Theatre, ICU, and emergency-room cover (full)

Scope: No outpatient, dental, or wellbeing benefits at this level.

Choose Major Medical →
  • Treatment is covered worldwide, excluding the United States.
  • Pre-existing conditions are excluded — including conditions you did not know about.
  • Evacuation & repatriation is an optional benefit that costs an additional premium.
  • Prices are Regency’s 2026 rates for the EU region: per person, per year, billed annually, starting at adult age 18 — your exact price depends on age. Children 0–17 pay a flat rate on every plan.
  • Plans run in 12-month terms and renew at the anniversary; the age limits shown apply to new applicants.

Common questions

How much cover does Greece’s FIP visa require?

The published rule: at least €30,000, valid across the whole Schengen area for the full duration of stay, covering emergency care, hospitalisation and repatriation.

Is travel insurance enough?

It can satisfy the published visa-stage rule if it meets the €30,000 Schengen standard. At the residence-permit stage, offices expect fuller cover valid in Greece — residence-grade cover from day one avoids the mid-year switch.

What happens at the residence-permit stage?

Decentralised offices exercise discretion and expect cover comparable to the public system, valid in Greece. Our partner has confirmed Greek placements, and a person is straight about your specific office’s practice before you buy.

Get a certificate that meets the published rule

Tell us your destination, visa, and who’s moving. Our team reviews it against the current requirement and calls you with a quote — no obligation.

Get my quote Check my policy first

Before you request a quote: cover is worldwide but excludes treatment in the United States, and pre-existing conditions are not covered — including conditions you did not know about. We say this up front so a quote is worth your time.

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