Private Health Insurance in Greece

“Kleidi” service fee

Depends on the plan you choose

Health insurers in Greece compared (10 insurers)

Plans, covers and prices below are taken from each insurer’s official website (October 2026). Where an insurer does not publish a price, the final premium is confirmed after a quote.

Ethniki Insurance

Greece’s oldest insurer; family discounts: spouse 20%, children 30–50%, 4th child onwards free · Official website

Full Health Value

• Partner hospitals or any other private or public hospital
• Deductible €1,000 or €1,500 per stay, direct billing at partners
• Class B room (shared); annual limit €1,500,000
• Cover in Greece and abroad
• Non-partner hospitals: €1,500 deductible, reimbursed up to limits
• Free annual check-up at specific hospitals

Full Health

• Free choice of hospital
• Deductible €0, €750, €1,500, €3,000 or €6,000 per stay
• Room class of your choice: Lux, A or B
• Annual limit €1,500,000, Greece and abroad
• Pre/post-hospital costs and day-case care
• Medical procedures at partner hospitals up to €1,000 a year

Full Health Plus

• Free choice of hospital
• Annual deductible €1,500, €3,000 or €6,000
• Room class A or B; annual limit €1,500,000
• Cover in Greece and abroad
• Rehab-centre allowance or home rehab cover
• Maternity allowance for insured women

Interamerican

Modular Bewell health system, family discounts up to 20% and the 1010 medical advice line · Official website

Bewell · Hospital (illness & accident)

• Hospital costs in Greece and abroad: room, doctors, drugs, tests
• Choose from 5 limits, 8 deductibles, 3 room classes and 3 hospital networks
• No deductible for cancer, heart attack, stroke; half deductible for day surgery
• €250/day (€500 with surgery) if you use a public hospital
• Optional: annual check-up after 30, maternity allowance up to €2,500
• Interamerican’s example: couple aged 31/28 about €60, family of 4 about €140 a month

Bewell · Hospital (accident only)

• Accident hospital cover up to €20,000, twin room, no deductible
• Any hospital in Greece or abroad
• Emergency treatment up to €500 a year, no deductible
• Private nurse, rehab and home nursing after hospital
• 24/7 medical advice on line 1010

Bewell · Doctors & tests

• Doctor visits in all specialties, procedures and diagnostic tests
• At Medifirst clinics, Athens Mediclinic or Interamerican’s nationwide network
• 4 options: with, flexible or no co-payment
• Option to cover visits to your own doctor

Generali Hellas

Greek arm of the Italian Generali group; hospital plans with the Hygeia group and Interbalkan · Official website

Life On

• Modular plan, individual or family
• Basic: accident only up to €150k · Standard: illness + accident up to €150k, room B
• Premium: up to €1.24M, room A or B, deductible €0–€10,000
• Family: one shared €1.24M limit for all members, any age
• Greece and abroad, direct billing by Generali
• Network doctors €20 a visit; tests €1,500–€2,500 a year

Medical Prime

• With Hygeia group hospitals (e.g. Mitera; Euromedica in Thessaloniki)
• Twin room (B) plus all hospital, surgeon and anaesthetist costs
• Unlimited doctor visits by appointment, tests and physiotherapy
• Annual check-up (14 tests adults / 5 children)
• Hospital abroad under conditions; maternity benefits
• Family members can be added

Medical Select

• For Northern Greece, at Interbalkan Medical Center, Thessaloniki
• Twin room (B) plus all hospital, surgeon and anaesthetist costs
• Unlimited doctor visits by appointment, tests and physiotherapy
• Annual check-up, emergency care, chemo and radiotherapy
• Pre-existing and congenital conditions after a waiting period

ERGO Hellas

Part of Germany’s Munich Re group; 5–15% off for a second car or other ERGO policies · Official website

Health Care · Value

• Up to €150,000 per hospital stay
• 3rd-class room (Γ)
• Deductible €1,000 to €3,000 per incident
• Greece: 100% in the Value network; abroad 50%
• Outpatient emergencies up to €600; pre/post-hospital up to €500
• Ages 30 days to 60; must live in Greece 6+ months a year

Health Care · Superior

• Up to €750,000 per year
• 1st-class room (A)
• Annual deductible €500 to €10,000
• Greece: 100% in all hospitals; abroad 80% or 100%
• Childbirth allowance €1,500; emergency transport up to €5,000
• Spouse and up to 4 children can be added

Health Prime Care · Outpatient

• Affidea network of doctors and diagnostic centres
• Unlimited visits: €10 at polyclinics, €20 at private practices
• Home visits: €40 daytime, €60 night or weekend
• Free tests with an EOPYY referral (plan 1 unlimited, plan 2 up to €2,000)
• Free annual check-up; 50% off dental

Interasco

Part of the Harel group; the only insurer that publishes its residence-permit health plan price · Official website

Residence-permit health plan · foreigners — from about €68 a year

• Official yearly price: up to 18 €67.91, age 19–39 €75, 40–59 €92
• Age 60–65 €98, 66–75 €135
• For foreigners applying for a Greek residence permit (3 months to 75 years)
• Greek PUBLIC hospitals up to €10,000 a year, 80% covered
• Medical costs from illness or accident up to €1,500 a year, 80%
• Accidental disability and death up to €15,000, 80%

Care 4u / Care 4Family

• Annual limit €300k, €700k or €1M (family: €700k per member)
• Greece 100%; abroad (excl. USA/Canada) 80% or 100%
• Public hospitals no deductible; emergencies and day surgery at half deductible
• Chemo, immunotherapy, robotic surgery and ICU with no time limit
• Annual check-up, air ambulance, private nurse up to 15 days
• Care 4Family: one shared deductible, family discounts up to 55%

First Care · Outpatient

• Affidea network of 1,500 doctors in all specialties
• Unlimited visits €20 (€15 at Affidea polyclinics)
• Free tests up to €500 with an EOPYY referral; 15% co-pay without
• Accident medical costs up to €1,000 per incident
• Free annual check-up; 50% off dental
• Single, couple, family and senior (70–75) versions

NN Hellas

Life and health insurer (Dutch NN group); no motor insurance of its own · Official website

NN Orange Cross

• Hospital cover in Greece and abroad up to €1,000,000 a year
• Deductible: none, 20% (max €300), €1,500, €3,000 or €10,000 a year
• Room class Lux, A or B
• Abroad 90% (100% with zero deductible; USA/Canada 90%)
• Optional: tests up to €1,500 and up to 15 visits a year (€15 each)
• Maternity benefit, emergency transfer and second medical opinion

NN Orange Health

• Hospital cover in Greece and abroad up to €500,000 a year
• Deductible €500 or €1,500 per stay
• Room class A or B
• Non-contracted hospitals in Greece 70%; abroad 90%
• Day surgery, ICU, chemo/radiotherapy and ER visits
• Family discount up to 20% for up to 6 people

NN Orange Easy

• Hospital cover up to €1,000,000 a year
• Partner hospitals only (Euroclinic group, Errikos Dunant, Mediterraneo)
• Deductible €500 or €1,000 a year
• Room class A or B
• Tests up to €1,500 and up to 50 doctor visits a year (with co-pay)
• Annual check-up and emergency transfer in Greece

Eurolife FFH

Part of the Fairfax group; online health price calculator, motor assistance by Mondial · Official website

My Health F1rst

• Hospital cover up to €700,000
• Deductible €750 or €1,500 per stay; room class B
• Contracted hospitals 100% direct; non-contracted a lump sum
• Greek public hospitals 100% or a lump sum up to €1,500
• Free annual check-up; emergency medical help in Greece and abroad
• Maternity benefit €500–€750

Premium Health II

• Worldwide hospital cover up to €700,000
• Private hospitals 100% in Greece and Europe, 80% elsewhere
• Deductible €750, €1,500 or €3,000
• Room A (single) or B (double)
• ER visits with no deductible; annual check-up
• Pre/post-hospital costs, ambulance up to €300

Premium Hospital · high deductible

• Worldwide hospital cover up to €700,000
• 100% Greece and Europe, 70% USA/Canada, 80% elsewhere
• Deductible €6,000 or €10,000
• Can lower the deductible to €1,500 with no new health check
• Room A or B; maternity benefit €500

Atlantic Union

Greek insurer; Atlas hospital plans up to €1.5 million and bonus-malus protection on motor · Official website

Atlas Maximum

• Annual limit €1,500,000
• Extended hospital network (Plus+)
• Room A (single) or B (double)
• Greece, EU/UK/Switzerland, other countries, USA and Canada
• Deductible €0, €750, €1,500 or €3,000 per stay

Atlas Best

• Annual limit €1,000,000
• Room A or B
• Greece: 90% with EOPYY, 80% without, 100% public hospitals
• Abroad: 70% EU/UK/Switzerland; 50% elsewhere
• Deductible €0, €650, €1,300 or €2,600 per stay

Atlas Smart

• Annual limit €1,000,000 in the contracted hospital network
• Call Health Line 10234 first
• Room A or B
• Greece: 100% contracted/public, 50% non-contracted; abroad 50%
• Deductible €0, €750, €1,500 or €3,000 per stay

Groupama

Greek arm of the French Groupama group; notable discounts on family health policies · Official website

Santé Confort Plus

• Up to €750,000 per hospital stay, Greece and abroad
• 100% in contracted and non-contracted hospitals in Greece/Europe
• Outside Europe 80%
• Annual deductible from €0 to €15,000
• Single or double room, your choice
• Significant discounts for family policies

Santé Secure Plus

• Hospital cover up to €500,000 a year
• Deductible €1,500 per person a year (50% for day care)
• No deductible: chemo, radiotherapy, dialysis, cancer, stroke, heart
• Room B; abroad 100% Europe, 80% outside Europe
• Free annual check-up; spouse and children can join

Santé Secure

• Up to €500,000 per hospital stay, Greece and abroad
• Deductible €1,500 (€750 for day surgery)
• 100% at special partner hospitals, 80% at others
• Public hospitals 100%; abroad 80%
• Chemo, radiotherapy, dialysis at partner centres 100%, no deductible

Allianz Hellas

Part of Germany’s Allianz group; 24/7 Med24 medical help; motorbike cover on ferries and abroad · Official website

My Health Plus · Classic

• Greece up to €250,000 per stay
• Abroad (excl. USA/Canada) up to €125,000 per stay
• Room A, B or C
• Deductible €750 to €9,000 per stay
• Surgeon and anaesthetist fees, day surgery; Med24 medical help
• Optional outpatient add-on: My Primary Care

My Health Plus · Complete

• Greece up to €1,000,000 a year
• Abroad (excl. USA/Canada) up to €500,000 a year
• Room B or C
• Deductible €0 to €9,000 per stay
• Daily, surgery and childbirth allowances; annual check-up; emergency help
• Optional outpatient add-on: My Primary Care

My Health Plus · Prestige

• €1,500,000 a year each for Greece, abroad and USA/Canada
• Room Lux or A
• Deductible €0 to €9,000 per stay
• All Complete benefits included
• Optional outpatient add-on: My Primary Care

Documents you will need

• Passports of everyone insured
• Residence permit or application receipt
• Tax number (AFM), if you have one
• Dates of birth of everyone covered
• Health questionnaire (insurer's form)

Requirements can differ with your situation and current rules; a “Kleidi” expert confirms the final list after reviewing your case.

How it works

1. Choose an insurer and a plan in the “Kleidi” app
2. An expert explains cover and exclusions
3. Health questionnaire and documents completed
4. Policy issued
5. Insurance certificate delivered for your residence file

Frequently asked questions

Related ADONIS guides

• Greece Golden Visa (residence by property) (in Persian)
• Financially independent person residence (FIP) (in Persian)
• Greece digital nomad visa (in Persian)
• About ADONIS (in Persian)