Guide
Health insurance for Greece's financially independent person (FIP) visa
By Covered Abroad Research Desk · Last verified July 2026
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
Greece's Ministry of Foreign Affairs publishes the national (type D) visa insurance requirement: minimum €30,000, the whole Schengen area, the full duration of your stay, covering emergency medical care, hospitalisation, and repatriation.
That is the same Schengen standard Portugal uses at its consulate stage — and a compliant international policy meets it, provided the certificate states the amount, territory, dates and repatriation clearly.
The residence-permit stage: where practice varies
After arrival, the FIP residence permit is handled by Greece's decentralised administration offices, and applicants and advisors report those offices expecting fuller health cover valid in Greece — comparable to what the public system covers. Unlike the visa-stage rule, this expectation is not spelled out on a single government page, and offices exercise discretion.
We tell you this because it is true, and because it is exactly the kind of gap where a certificate worded for the officer beats a policy chosen on price. A person reviews your case and is straight about what we can and cannot confirm for your office before you buy.
Who the FIP route fits
The FIP visa is Greece's route for retirees and financially independent movers — the same profile as Italy's elective-residence visa, with a similar insurance logic: a Schengen-standard certificate to enter, fuller cover to stay.
If you are comparing Mediterranean routes, Italy's ERV rule and Portugal's D7 are the natural benchmarks — both published, both cited on their pages.
Get the moving-paperwork checklist
The month-by-month timeline so the insurance certificate is ready before your appointment, not after.