All About Insurance in Greece

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One of the first places among the summer tourist destinations belongs to Greece. The country attracts travelers with entertainment and recreation for any purse and taste, an abundance of historical places, ski resorts, and beaches on the coasts of three seas: Ionic, Aegean, and the Mediterranean.

Under the Schengen area’s rules, citizens of many CIS countries must obtain a visa to enter the Greek Republic. Travel insurance for travel to Greece is a prerequisite for entry. Together with the visa documents, the health insurance policy is transferred to the Greek consulate, a visa center, or a travel agency that has accreditation and operates as an intermediary.

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Insurance for travel to Greece – which one to choose?

There are several uniform requirements to insurance for all those entering Schengen, which must be met, and insurance for a visa to Greece. Mandatory are:

  • A minimum of 30,000 euros is set for insurance coverage (at the insurer’s request, you can apply for a policy and 100,000 euros).
  • Included options should include medical care, medical transport, hospitalization services, and posthumous repatriation.
  • The policy should cover the entire period of travel to Greece.
  • The territory where the insurance will operate is not one specific country that should be specified in the policy: “Schengen.”
  • Insurance is allowed only without a deductible (fixed amount, unpaid by the insurer).

Usually, a visit to Greece is issued permits for one-time entry, but for regular tours, you can approach the consulate for double or multiple visas. Purchase of health insurance will be required with any of them. If you want to apply for a permit for two or more visits to the country, the purchased insurance must apply for the entire first trip to Greece.

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A single visa is much easier to obtain than two or more visits, as multiple and double visas to Greece are issued to those who have already received visas to European countries. But the chances of obtaining multiple visas can be increased – it is recommended to buy insurance for a year with a fixed number of insured days. Thanks to this type of insurance, you will not need to purchase a new policy for the Schengen country’s next trip. The insurers’ annual policy happens with 30, 45, 60, 90, 180, and 365 insured days. There is also an unlimited number of trips per year, but each no more than 90 days. All foreign travelers, including infants, need an insurance contract. It can be decorated for one tourist or at once for all.

Health insurance to travel to Greece

The cost of medical care in Greece is high. To pay for treatment, without resorting to the insurance company’s support (UK), it will be problematic for the average traveler – not everyone has several tens of thousands of free euros. The right doctor in an unfamiliar country is also not quickly found. Here is the help for the insurer – entering into a contract with an assistant company, which is an intermediary between you, the transport company, clinics, and doctors.

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Medical insurance should contain basic risks:

  • Emergency medical care, hospital or outpatient care, emergency surgery, diagnostic research.
  • Payment of appointments (drugs, dressing material, and procedures).
  • Emergency care of the dentist (acute pain in the absence of teeth or inflammation).
  • Payment of communication when talking on the phone with the insurer and the assistant.
  • Delivery by transport to the hospital or the doctor’s office.
  • Repatriation to your home country or in the event of death.

The standard list of risks is sufficient if, on the trip, you happen to fall ill with a cold, otitis, and something similar or poison occurs. However, if an existing chronic disease is exacerbated, injury occurs during sports activities or as a result of an accident, or complications in pregnancy are faced – all of these will be recognized as an insurance case only if these risks are in the purchased policy.

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Each UK forms insurance programs to include mandatory options and can add 1 to 12 additional risks and even non-medical orientation. Additional options include:

  • Medical assistance for allergies.
  • Medical care for pregnant women at terms from 8 to 31 weeks (depending on the UK’s conditions).
  • Travel and accommodation for a third person whose help will be required for the sick insured.
  • Repatriation of children to their home country if the parents are hospitalized or killed.
  • Losing documents.
  • Loss of luggage.
  • Flight delay or cancellation.
  • Legal aid.
  • There may be no risks in the expanded offer of insurers. Then you can add them yourself from the number if necessary. In addition to these, you can add:
  • Treatment for sunburn.
  • Damage or theft of rented or owned vehicles.
  • Extreme sports / Active rest.

The last option is needed for those who can not imagine a holiday without climbing mountains, water skiing, diving, and other things. In sports injuries and injuries from an active pastime, the insurance coverage will be reliant only if these risks are taken into account in the policy.

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How much does insurance cost, and where to buy it?

Basic insurance for a trip to Greece with a minimum allowable insurance amount of 30,000 euros for a two-week period for an adult will cost from $10-20. This depends on the company you choose and the complementary options included in the standard package for Greece travelers. The cost of the extended insurance program for children and adults is about the same: from $20-70. This price will be in the policy with the addition of risks with “Active Recreation,” “Accident,” “Baggage Insurance,” and “Loss of documents.”

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You can buy insurance online – this purchase saves time and money, as the price of policies at all insurers on the Internet is 10-30 lower than in offices. Simultaneously, the cost of insurance is different in different SC, but when choosing the most suitable, don’t rely only on prices. Before you go to the registration of the insurance policy, read reviews of different assistants to learn about the level of their service, courtesy, and competence of operators and the language in which customer support is carried out. You can pay attention to reviews about insurers – the service companies are often to blame when appearing in poor responses about their work. Check who is the assistant of such insurance – and look for another, whose service firms have a better reputation.

What to do if an insurance case has arrived?

If you feel worse, you are injured, or you have another risk from your insurance, you should contact the assisting counseling center by phone or, much less frequently, the insurance company. On the trip, keep at least a copy of the policy so that the operator can be informed at first request of the name of the insured, the number of the policy, the UK’s name, and the location from which the delivery is required. You need to describe the symptoms of the disease, the situation, or the problem and have them call your phone number for a return call.

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Purchased insurance will help solve the problems of finding a medical specialist and medical institution in a foreign country – for this you will deal with a representative of the assistant company. Usually, after half an hour, the intermediary company employee calls back, tells you the time of arrival of a doctor or the hospital’s address where you need to apply. If you need to travel to the clinic, you should send a car. If your call does not arrive for a long time or the operator could not be reached, look for medics and pay them for services. But at the same time, keep all contracts, prescriptions, application forms and checks, so that after returning from the trip, you can hand over the insurance company’s documents to reimburse the payment of your treatment.

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