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Expats in Greece can find comprehensive and affordable health insurance through top providers like Cigna, William Russell, Passport Card, IMG, and Allianz Care. These companies offer various plans tailored to expats’ needs, covering everything from inpatient and outpatient care to dental and maternity services.
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Whether you’re seeking basic emergency coverage or comprehensive health plans, these top insurance providers offer flexible options for expats in Greece. With varying deductible levels, annual benefits, and coverage features, you can find a plan that suits your specific needs while living abroad.
This article will offer overviews of each international health insurance company from our top ten list. We’ll explore coverage options, including annual deductibles, maternity, and dental coverage. We will also offer some information about three additional high-quality options.
You will find that many of the best insurance companies for expats in Greece are also among the top ten insurance providers worldwide for expats.
Overview of Health Insurance Options for Expats in Greece
The 10 best health insurance companies for expats in Greece are:
The two extra companies that provide excellent coverage options for expatriates in Greece include
- Expatriate Healthcare
- HealthCare International
Greece has a mixture of nationally owned clinics and hospitals and private ones. Coverage through Greece’s National Healthcare System is only available to citizens and legal residents. In the meantime, many expats will need to secure private international medical insurance.
Allianz Care: Comprehensive Coverage for Expats in Greece
Allianz Care’s three plans, Care, Care Plus, and Care Pro, are among the top international health insurance plans for expatriates living in Greece. Comprehensive insurance coverage through Allianz Care starts at USD $86 monthly for a 30-year-old female in Greece.
Allianz Care is an insurance provider specialized in health, life, critical illness, and disability for expats, families, and employers globally. Their plans offer flexibility, worldwide expertise, and innovative services. Allianz Care’s global network of 1.9 million medical providers covers Greece.
Annual deductibles for Expats in Greece through Allianz Care are available in the following amounts:
- USD $13,500 deductible plans
- USD $4,050 deductible plans
- USD $2,025 deductible plans
- USD $1,015 deductible plans
- $0 deductible plans
Expats in Greece will enjoy the following comprehensive benefits through Allianz Care:
- Inpatient Treatment
- Outpatient Treatment
- Emergency Evacuation
- Emergency Repatriation
- Emergency Dental
- Maternity
- Optical Benefits
The following table displays the coverage availability for expats in Greece through Allianz Care.
| Allianz Care Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through Allianz Care |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available with a waiting period of 10 or 18 months |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available |
VUMI: Flexible Plans for Expats in Greece
VUMI is a successful expat health insurance provider in Greece because their 5 long-term insurance plans offer flexibility that can be customized to your individual needs. VUMI may cover your preexisting medical conditions, including HIV/AIDS. Maternity care only has a 12 month waiting period.
Below are some of the deductible options you’ll be able to choose from when covered by VUMI.
Inside the USA:
- USD $50,000 annual deductible plans
- USD $20,000 annual deductible plans
- USD $10,000 annual deductible plans
- USD $5,000 annual deductible plans
- USD $3,000 annual deductible plans
- USD $2,000 annual deductible plans
- USD $500 annual deductible plans
Outside the USA:
- USD $50,000 annual deductible plans
- USD $20,000 annual deductible plans
- USD $10,000 annual deductible plans
- USD $5,000 annual deductible plans
- USD $3,000 annual deductible plans
- USD $2,000 annual deductible plans
- USD $1,000 annual deductible plans
The following table displays the coverage availability for expats in Greece through VUMI.
| VUMI Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through VUMI |
| Inpatient & Outpatient Coverage | Partial to Full Coverage Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available with the Superior, Ultra, and Total plans |
| Coverage for Annual Health Checks | Partial to Full Coverage |
| Vaccination Coverage | Available |
| Optical Coverage | Optional coverage available |
Cigna: Affordable and Reliable Coverage for Expats in Greece
Cigna is a worldwide insurance provider that offers reliable coverage for expats in Greece. The Cigna Silver Plan monthly premiums start at only USD $177 for a 30-year-old female expat in Greece. Zero-dollar deductible coverage on the Silver plan starts at $268 monthly for a 30-year-old expat.
Cigna’s Silver plan, starting at USD $177 monthly, offers basic coverage for inpatient and outpatient care as well as dental coverage. The annual deductible is USD $10,000, and the annual benefit limit is USD $1,000,000. Note that the Silver plan does not have maternity coverage.
The following list provides insights into the annual deductible options on the Cigna Silver plan.
- USD $10,000 annual deductible
- USD $3,000 annual deductible
- USD $1,500 annual deductible
- USD $375 annual deductible
- $0 annual deductible
The table below compares Cigna’s coverage to that of our other top ten insurance companies for expats in Greece.
| Cigna Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through Cigna |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on most plans |
| Dental Coverage | Available with waiting periods of 3, 12, or 18 months |
| Maternity Coverage | Available on Gold or Platinum Plans |
| Coverage for Annual Health Checks | Available, but some plans only cover annual exams for children 17 & under |
| Vaccination Coverage | Available, but travel vaccinations are excluded |
| Optical Coverage | Available with sub-limits |
William Russell: Comprehensive Coverage Options for Expats in Greece
William Russell is among the top ten insurance companies for expats in Greece because the provider has a customer-first attitude. Comprehensive insurance coverage through William Russell starts at USD $195 monthly for a 30-year-old female in Greece.
William Russell’s expat health insurance has a benefit limit of USD $5,000,000 annually. Plans may cover particular geographical areas or worldwide excluding the United States.
William Russell has an ample benefit limit of USD $18,500 for routine maternity.
William Russell has so many deductible options that plans are very customizable. You’ll be able to find your personal sweet spot of monthly premiums compared to annual deductibles.
- USD $10,000 annual deductible plans
- USD $5,000 annual deductible plans
- USD $2,500 annual deductible plans
- USD $1,600 annual deductible plans
- USD $1,000 annual deductible plans
- USD $500 annual deductible plans
- USD $250 annual deductible plans
- USD $100 annual deductible plans
- USD $50 annual deductible plans
- USD $0 annual deductible plans
The following table displays the coverage availability for expats in Greece through William Russell.
| William Russell Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through William Russell |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available after a 6-month waiting period, but some plans have a 10-month waiting period for major restorative work |
| Maternity Coverage | Available after a 12-month waiting period |
| Coverage for Annual Health Checks | Available after a 6-month waiting period |
| Vaccination Coverage | Available for routine and travel vaccinations with sub-limits |
| Optical Coverage | Coverage for eye exams only under well-being coverage |
NOW Health International: Tailored Insurance Plans for Expats in Greece
Expats in Greece will also want to consider NOW Health International from the top ten insurers list. NOW Health International plans have an annual benefit limit of USD $4,500,000, and monthly premiums for comprehensive coverage start at USD $477 for a 30-year-old female.
Expats in Greece will enjoy the following comprehensive benefits through NOW Health International:
- Inpatient Treatment
- Outpatient Treatment
- Emergency Evacuation
- Emergency Repatriation
- Dental
- Maternity
- Optical Benefits
Annual deductibles for Expats in Greece through NOW Health are available in the following amounts.
- USD $15,000 deductible plans
- USD $10,000 deductible plans
- USD $5,000 deductible plans
- USD $2,500 deductible plans
- USD $1,000 deductible plans
- $0 deductible plans
The table below will allow you to compare benefits, including waiting periods, with other insurance companies in this article.
| NOW Health International Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through NOW Health Intl. |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 9-month waiting period |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available on higher tier plans with a 6-month waiting period and a limit of USD $1,000 |
| Vaccination Coverage | Routine and travel vaccinations are covered up to the annual health check benefit limit. |
| Optical Coverage | Eye exams and contacts or glasses are covered but subject to the annual health check limit. |
GeoBlue: Top Choice for American Expats in Greece
American expats moving to Greece will love the benefits offered by GeoBlue. This top ten insurance company’s plans start at USD $412 monthly for comprehensive coverage for a 30-year-old female expat in Greece.
GeoBlue plans have one of the largest global direct billing networks, provide covered telemedicine services, and have an unlimited annual benefit limit.
You’ll also be able to choose one of the following options for an annual deductible. Keep in mind that lower deductibles usually result in higher premiums. Options mean you can select your preferred balance between premiums and the annual deductible.
- USD $10,000 annual deductible
- USD $5,000 annual deductible
- USD $2,500 annual deductible
- USD $1,000 annual deductible
- $0 annual deductible
The table below has our overview of coverage available through GeoBlue for American expats in Greece.
| GeoBlue Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through GeoBlue |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-month waiting period |
| Maternity Coverage | Available at renewal after 12 months |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Routine vaccines are covered, and there is a USD $500 limit for travel vaccinations. |
| Optical Coverage | Up to USD $250 with a 30% co-pay for an eye exam and contacts or glasses |
AXA Health Insurance: Low Deductibles and Wide Coverage in Greece for Expats
AXA Health Insurance plans are worth considering for expats in Greece because AXA’s plans have low deductibles. Plans with maternity coverage through AXA start at only $421 per month for a 30-year-old female in Greece with only a $3,200 deductible.
AXA’s options for annual deductibles on plans include:
- USD $3,200 per year
- USD $1,600 per year
- USD $400 per year
- USD $160 per year
- $0 per year
AXA’s plans have the following selections for an annual benefit limit: USD $3,200,000 or USD $8,000,000.
The table below will allow you to compare available benefits for expats in Greece at a glance.
| AXA Health Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through AXA |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a high limit of $16,000 |
| Maternity Coverage | Available with an 18-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available including travel vaccinations |
| Optical Coverage | $160 limit for eye exam and glasses or contacts |
Bupa: 24/7 Global Virtual Care for Expats in Greece
Bupa boasts 24/7 Global Virtual Care for policyholders, coverage for routine and travel vaccinations, and an extensive direct billing network for expats in Greece. Monthly premiums for Bupa insurance start at USD $488 for a 30-year-old female.
Bupa policyholders also enjoy high annual benefit limits for dental coverage with a co-pay!
Annual benefit limits for expats in Greece through Bupa may be one of the following selections:
- USD $2,000,000
- USD $2,890,000
- USD $4,400,000
The following list displays the deductible amounts available for plans through Bupa in Greece:
- USD $20,000 annual deductible
- USD $10,000 annual deductible
- USD $3,400 annual deductible
- USD $2,700 annual deductible
- USD $1,600 annual deductible
- USD $1,350 annual deductible
- USD $400 annual deductible
- USD $200 annual deductible
- USD $0 annual deductible
Check out the table below to compare benefits from Bupa to the other insurance providers in our top ten for expats in Greece.
| Bupa Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
| Optical Coverage | Available for routine eye exams and glasses and contacts with sub-limits |
IMG: Flexible Plans for Global Coverage in Greece
IMG’s top-rated international health insurance plans offer flexibility when it comes to getting worldwide or regional coverage. The Bronze Global Medical Insurance plan for a 30 year old female living in Greece for a year begins at USD $90 a month with a $10,000 deductible.
Expats in Greece can choose to be covered wherever they go, or to exclude certain countries like the U.S., Japan, and others. All 4 IMG plans include prescription drug coverage.
Here are the annual plan limits for each of IMG’s expat health insurance packages:
- Bronze: $1,000,000
- Silver: $5,000,000
- Gold: $5,000,000
- Platinum: $8,000,000
The deductible options available with IMG global medical plans in Greece include:
- USD $25,000 annual deductible
- USD $10,000 annual deductible
- USD $5,000 annual deductible
- USD $2,500 annual deductible
- USD $1,000 annual deductible
- USD $500 annual deductible
- USD $250 annual deductible
Next is a chart that details some of the core benefits available in Greece for expatriates who get insured through IMG Global.
| IMG Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through IMG |
| Inpatient & Outpatient Coverage | Partial to full coverage available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Optional add-on available |
| Maternity Coverage | Available with Platinum plan |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available |
| Optical Coverage | Optional add-on available |
Passport Card: Low-Deductible Plans for Expats in Greece
Passport Card is another insurance provider with low deductibles for comprehensive insurance plans for expats in Greece. Premiums start at USD $350 monthly for a 30-year-old female expat.
Passport Card plans offer regional or worldwide (excluding the United States) coverage. Expats can save a lot of money by only selecting coverage for the region where coverage is needed.
Here is the list of the low deductible options available for expats who choose a plan through Passport Card:
- USD $2,000 annually
- USD $1,000 annually
- USD $500 annually
- USD $250 annually
- USD $0 annually
The table below provides a quick snapshot of the Passport Card’s available benefits in Greece for expats.
| Passport Card Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through Passport Card |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-6 month waiting period |
| Maternity Coverage | Available with a 16-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for children only, and travel vaccinations are excluded |
| Optical Coverage | Available with USD $400 for an eye exam and contacts or one pair of glasses |
Additional Health Insurers for Expats in Greece
For expats who like to explore all the options, here’s a bonus listing of a few more companies beyond our top ten insurance companies in Greece. You may also want to check out plans from Expatriate Healthcare, Passport Card, and Healthcare International.
Expatriate Healthcare in Greece for Expats
Expatriate Healthcare offers comprehensive health insurance for expats in Greece, starting at USD $162 monthly for a 30-year-old female. Expatriate Healthcare’s plans have a generous annual benefit limit of USD $5,000,000 and relatively low deductibles.
Deductibles depend on coverage selections, and expats may select one of the following annual deductible options.
- USD $5,000 annual deductible
- USD $500 annual deductible
- USD $250 annual deductible
- USD $100 annual deductible
- USD $50 annual deductible
- $0 annual deductible
The table below shows you a brief overview of the available coverage through Expatriate Healthcare plans.
| Expatriate Healthcare Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through Expatriate Healthcare |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Only emergency evacuation coverage is available |
| Dental Coverage | Up to USD $750 for preventative with 20% co-pay |
| Maternity Coverage | Available after a 12-month waiting period |
| Coverage for Annual Health Checks | Available, has a USD $300 benefit limit |
| Vaccination Coverage | Unavailable for routine vaccines, but up to annual well-being limit for travel vaccinations |
| Optical Coverage | Up to USD $150 annually for an exam and contacts or glasses |
HealthCare International in Greece for Expats
HealthCare International has some of the most customizable pay and benefit structures for expats in Greece. Plans vary by annual benefit limit, annual deductible, and the co-pay. Premiums start at USD $226 monthly for a 30-year-old expat.
Policyholders in Greece can choose one of the following annual benefit limits through HealthCare International:
- USD $1,500,000
- USD $2,000,000
- USD $2,500,000
The following annual deductible amounts are also available through HealthCare International.
- USD $1,000
- USD $250
- USD $0
The following options are available for co-pay amounts through HealthCare International:
- 30% co-pay
- 20% co-pay
- 10% co-pay
- No co-pay
| HealthCare International Insurance Coverage Availability for Expats in Greece | |
| Benefit | Availability through HealthCare International |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 6-month waiting period |
| Maternity Coverage | Available with a 12 to 18-month waiting period |
| Coverage for Annual Health Checks | Available with a 12-month waiting period |
| Vaccination Coverage | Available, but travel vaccinations excluded |
| Optical Coverage | Coverage is available for glasses is available on some plans, but no coverage is available for eye exams. |
How to Choose the Best Health Insurance for Expats in Greece
Choosing the best expat health insurance in Greece can be a major source of stress, but using a zero-cost and obligation-free quote generator from an international insurance broker can simplify the process. International insurance brokers also offer free personalized advice.
Frequently Asked Questions
Do Americans get free healthcare in Greece?
American citizens who pay taxes in Greece or qualify as permanent residents can access Greece’s universal healthcare. Other Americans living in Greece will need private expat health insurance.
How much does expat health insurance cost in Greece?
Comprehensive health insurance plan premiums start at USD $91 monthly for a 30-year-old female expat in Greece. The policyholder’s age, geographical coverage area, deductible, and annual benefit limits affect the cost of expat health insurance in the country.
Can you use US health insurance while in Greece?
US domestic health insurance plans will not cover you while traveling or living abroad, including travel to Greece. Secure travel insurance before visiting Greece because Medicaid, medicare, and other domestic US plans will not cover you abroad.
Conclusion
The top 10 health insurance companies in Greece are Passport Card, IMG, Cigna, William Russell, NOW Health International, GeoBlue, AXA, Bupa, Allianz Care, and VUMI.
Want more details than we covered in our article? Contact an insurance expert for additional information about the best plan selections for you and your family.
Don’t miss out on other guides to the top ten best insurance companies, including this blog about Malaysia or this one about New Zealand.
Additional Resources for Living Abroad in Greece as an Expat
Additional resources for moving and living in Greece as an expat are available in these Pacific Prime blog posts:
- The Best Places for Expats to Live in Greece
- Jobs for American Expats in Greece
- Guide to Living Abroad in Greece with Cost of Living Information
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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