Health Insurance in Hungary

Moving to Hungary as an expat or digital nomad involves understanding the healthcare system, including health insurance. The healthcare system in Hungary is a mixed public-private model, with a state-funded universal healthcare system complemented by private healthcare providers and insurers.

Health Insurance Companies in Hungary

Some of the most popular health insurers in Hungary are Generali, Allianz, and Union. These companies offer a range of health insurance plans that cater to both local residents and expats. Expats are generally eligible to purchase health insurance from these companies, provided they meet certain residency and registration requirements. Generali is known for its comprehensive coverage and customer service, while Allianz offers a wide range of plans tailored to different needs. Union is also a well-regarded insurer, providing flexible and affordable health insurance options.

Expat Health Insurance in Hungary

Some expats living in Hungary opt to buy specialized expat health insurance for several reasons. These plans often provide broader coverage, including medical evacuation and repatriation benefits, which can be crucial in case of emergencies. Additionally, expat health insurance plans typically offer coverage in multiple countries, making them an excellent choice for those who travel frequently or maintain residences in more than one location.

Local Health Insurance vs. Expat Health Insurance

The choice between local health insurance and specialized expat health insurance depends on individual preferences and circumstances. Some expats and digital nomads might prefer local health insurance providers due to their familiarity with the local healthcare system and the potential for lower costs. However, others may opt for specialized expat health insurance providers to ensure comprehensive coverage, ease of communication in their native language, and access to an international network of healthcare providers.

Considerations When Choosing Health Insurance Overseas

When deciding on health insurance while living overseas, there are several factors to consider. It's important to understand the payment process: some insurers pay the healthcare provider directly, while others require you to pay upfront and then submit claims for reimbursement. Additionally, consider the extent of coverage, including whether it covers pre-existing conditions, the deductible and co-pay amounts, and any exclusions or limitations. Lastly, assess the insurer's reputation, customer service quality, and the ease of making claims to ensure a smooth experience.

Expats talk about Health Insurance in Hungary

"I do have health insurance back in the US. However I discovered that if I ask for an "official" bill (understand one with the required AFA/VAT) then the price jumps disproportionately. Give you an example; I had a toothache and a little swelling. I found out which local dentist had an x-ray. He took an x-ray, relieved the swelling, prescribed antibiotics and recommended a root canal which he didn't do. The price was 10,000 forints (very cheap compared to the US). Figuring that I could file with my insurance company in the US, I asked for a "bill"! Big mistake; the price instantly chanced to 17,000 forints. So now for minor stuff I pay out of pocket," commented one expat living in Fonyod, Hungary.

"I worked for an International Organization here in Hungary for 6 years and have since retired, staying in Hungary. I am not yet eligible for national healthcare so I purchased a doctor policy from the clinic where I go (English speaking doctors) and I also purchased a separate hospitalization policy. All together this costs less than $150 a month and there are cheaper plans if you need to limit the number of doctor visits. Note, this does not include the cost of medication, but since I am not on any regular medicine, it isn't an issue. But, when I do need a prescription, I find that it is very inexpensive. Of course, there are more expensive health insurance plans out there, but I find that what I have works very well for me," mentioned one expat living in Hungary.