Do I need Health Insurance When Moving to Hungary?

When planning to move to Hungary as an expat or digital nomad, you might wonder if you need health insurance upon arrival. The answer is yes. Hungary requires visitors staying longer than 90 days to have health insurance coverage that meets specific requirements for obtaining residency. The policy should cover emergency medical treatment, hospital care, and repatriation. The minimum coverage amount is EUR 30,000, and it should be valid for the entire duration of your stay. Additionally, the insurance policy should be recognized in all Schengen countries.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance typically meets the requirements for obtaining residency in Hungary. These insurance plans are specifically designed to cover expats and travelers worldwide. When choosing an expat health insurance plan, ensure it covers emergency medical treatment, hospital care, and repatriation, with a minimum coverage amount of EUR 30,000. It's also crucial to check that the policy is valid in all Schengen countries.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Hungary offer plans suitable for expats and digital nomads. Some of the prominent ones include Generali, Allianz, and UNIQA. These companies provide various health insurance plans tailored to meet the requirements for obtaining residency. Their policies typically cover emergency medical treatment, hospital care, and repatriation, with varying coverage amounts. It's essential to research and compare different plans to find one that best suits your needs and budget. Keep in mind that some local insurers may require a Hungarian address and bank account for purchasing a policy.

Advice from Expats in Hungary about Health Insurance

Expats living in Hungary share some valuable advice regarding health insurance. Firstly, ensure your chosen insurance plan covers pre-existing conditions, as not all policies do. Secondly, consider adding optional extras like dental care, outpatient treatment, or maternity care, depending on your personal needs. Lastly, pay close attention to the policy's excess (deductible) and co-payment structures, as these can significantly impact the overall cost of your healthcare. It's wise to choose a policy with a reasonable excess and co-payment structure to avoid high out-of-pocket expenses. Always read the fine print and ask for clarification if needed before committing to a health insurance plan.

Expats Talk about Health Insurance in 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," said one 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," mentioned one expat when asked about moving to Hungary.