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Greece · visa health insurance

Health insurance in Greece for UK citizens

By Covered Abroad Research Desk · Last verified July 2026

NHS cover ends when you leave the UK, and a GHIC only helps with temporary-stay emergencies; neither meets Greece's residence rule. Since Brexit, non-working UK movers apply through the FIP visa, which requires health insurance meeting a set minimum. We arrange comprehensive cover built for that file, with same-day issue and no medical exam.

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 NHS and your move

NHS entitlement is based on living in the UK. Once you move to Greece, that entitlement doesn't travel with you; it does not cover your life there, however long you've paid in.

Since Brexit, UK citizens staying beyond the short-stay window need a national (type D) visa. Most non-working movers and retirees use the FIP route; remote workers use the digital-nomad route. Either way, insurance sits inside the visa file itself; it's not an optional extra.

A GHIC or EHIC won't help here. It's built for necessary care during a temporary stay, not for residence, and it isn't what the visa file asks for. See how Greece's healthcare system actually works for residents.

Greece's two moments

Greece's visa rule is specific and published: your policy must cover a minimum of €30,000, valid across the whole Schengen area, for the full duration of your stay, including emergency care, hospitalisation and repatriation (mfa.gr, verified July 2026). This is the number your FIP or digital-nomad application is checked against; full detail in our FIP visa insurance guide.

There's a second moment later, at permit stage, and it works differently. From what applicants report, it can come down to office discretion rather than a fixed list; a case question, not a checkbox. We can't promise how any individual office will read a policy at that stage.

What we arrange for UK movers

We arrange residence-grade cover built to clear the €30,000 minimum with room to spare, with limits from US$1,000,000 to US$2,000,000. Cover starts the same day, with no medical exam and a 14-day cooling-off period. Children aged 0-17 are covered at a flat rate.

Being plain about limits: pre-existing conditions are excluded, treatment in the US isn't covered, and new applicants are accepted up to age 70 (or 80 on the Essential plan); worth knowing early if you're moving in your seventies. One insurer covers all eight of our destination countries, so the same policy moves with you if your plans change. See real Greece insurance prices by age for exact numbers.

Before anything is bought, a person confirms the certificate for your office before you buy; because permit-stage requirements are a case question, not a checkbox. Start with a quote, or work through our move checklist first.

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 are public, and so are the 2026 prices: your exact rate depends on age.

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 →

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

Does the NHS cover me if I move to Greece?

No. NHS entitlement is based on living in the UK, so it does not cover your life in Greece once you've moved there.

Is a GHIC or EHIC enough for my Greece visa application?

No. A GHIC or EHIC is for necessary care during temporary stays; it isn't residence cover, and it isn't what the visa file asks for.

What insurance does Greece require for the FIP visa?

Greece's rule requires a minimum of €30,000 cover, valid across the whole Schengen area, for your full stay, including emergency care, hospitalisation and repatriation (mfa.gr, verified July 2026).

Will my policy definitely be accepted for my residence permit?

We can't promise that. Permit-stage acceptance is applicant-reported and appears to be office discretionary, a case question rather than a checkbox. A person confirms the certificate for your office 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.

Cover underwritten by Regency Assurance · every rule on this site cited and dated · a person calls back within one business day.

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.

Keep reading

Guides for this move