Greece offers excellent healthcare, but as a newcomer you need to understand how the system works, what’s covered and when private health insurance is essential. This guide explains how state and private healthcare operate, what’s changed since Brexit and what you should budget for if you’re moving permanently.
Moving to Greece brings many joys, from the lifestyle to the climate, but healthcare is something you’ll want to be clear about before you arrive. Whether you’re visiting short-term, working and paying into the system or retiring with a UK pension, the rules vary. Here we break down what you need to know about accessing doctors, hospitals, prescriptions and health insurance in Greece.
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Contents
- How healthcare in Greece works
- Healthcare in Greece for tourists
- State healthcare for residents
- Private health insurance in Greece
- Accessing healthcare: doctors, specialists and pharmacies
- FAQs
How healthcare in Greece works
Healthcare in Greece is delivered through a mix of state and private services. If you need medical assistance in Greece, you’ll be entitled to free basic treatment, with only a small €1 fee for prescriptions. However, if you’re living in the country, it’s strongly recommended that you have health insurance to ensure full access to medical care.
If you are employed, your employer registers you for social insurance (IKA) and contributions are deducted monthly. You can also arrange private health insurance with either a Greek provider or UK insurer.
As in the UK, there are waiting times for some treatments, but the overall quality is rated highly and life expectancy remains among the best in Europe.
Healthcare in Greece for tourists
For short visits of under 90 days, UK citizens can access healthcare using a valid GHIC (Global Health Insurance Card). This replaced the EHIC after Brexit but works in the same way, entitling you to free or reduced-cost treatment in the EU. You can still use an EHIC until it expires.
State healthcare for residents
If you become a resident, your healthcare access depends on your circumstances:
| Resident type | Entitlement | How to register |
|---|---|---|
| Working in Greece | Full state healthcare | Employer registers you with IKA and AMKA number |
| UK state pensioner | Same rights as Greek citizens | Apply for an S1 form via UK Pension Service |
| Not working / not pensionable age | Must take out private health insurance | Purchase coverage from Greek or international provider |
Private health insurance in Greece
Private cover is widely available and often chosen to avoid waiting times or to access private hospitals in cities. The cost depends on age, pre-existing conditions and level of cover. As a rough guide, expect to pay around €500 per month for a family of four or €800 per month for a retired couple.
If you live on an island, it’s worth bearing in mind that you’ll usually receive care from the local state doctor anyway. Private hospitals and emergency evacuation (for example by helicopter) are more costly extras. Always check what’s included in your policy.
Accessing healthcare: doctors, specialists and pharmacies
To find a GP (pathologos), ask at your local pharmacy or look for signs outside buildings. Many pharmacists speak English and can direct you to a doctor. Appointments are usually same-day if you’re willing to wait in the surgery. This is often where expats first meet local neighbours, as Greek waiting rooms are social places.
GPs can refer you to specialists, and preventive screening (such as cancer checks) is sometimes offered free under state schemes.
Pharmacies, identified by the green cross of Asclepius, are widespread and remain central to everyday care.
Alternative and homeopathic medicine is not covered by state insurance and employers will not accept medical certificates issued by these practitioners.
FAQs
How much is healthcare insurance in Greece?
Costs vary, but a family of four can expect to pay around €500 per month, while retired couples may pay €800 or more. Prices rise with age and pre-existing conditions.
Do UK citizens get free healthcare in Greece?
Short-term visitors can access care with a GHIC or valid EHIC. Residents working in Greece, or UK pensioners with an S1 form, receive the same state healthcare rights as Greek citizens.
Do you need health insurance in Greece?
If you are not working or retired with an S1 form, you must take out private health insurance. Even if you are entitled to state care, many expats choose additional private cover for faster access and wider treatment options.
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