Insurance in Greece is important information that no visitor or resident of the country can afford to miss. Indeed, Greece has a rich history and so many things that will fascinate any visitor. With insurance coverage, you don't have to worry about what might happen if an accident or injury happens to you. Simply put, insurers in Greece make sure that you are protected while you concentrate on other things.
In Greece, insurance is important because it protects you, your appliances, your house and your car. Through insurance, one receives financial reimbursement and protection from losses. In addition, it is important for residents of Greece to take out insurance as it covers uncertainties, investment opportunities, cash flow management and peace of mind.
Health insurance Greece
In Greece, there are both the private and public sectors. Universal system offers low-cost or free health care to residents of Greece. In addition, compulsory social security contributions finance the public health system. Although Athens' central government organizes health care, care is provided on a regional basis.
In Greece, emergency services are provided to everyone, including EU and non-EU citizens. It is also important to remember that members of the European Union who are temporary visitors can receive free or discounted health care through the European Health Insurance Card (EHIC).
Every person, including ex-pat residents as well as their families, who contribute to the Social Security Institute (IKA) is entitled to health insurance in the country. The social insurance system in which contributions are made is AMKA. However, the easiest way to qualify for public health is to be employed.
In Greece there are also private health insurances that can cover selected or even all areas where you need health access. Public hospitals usually seem chaotic, and that's why some opt for private insurance.
Below are the health services you can receive:
- Hospitalization and hospital care
- Medical care
- Free dental treatment, orthodontic and preventive dental treatment for minors up to age 13. Year of life
- Treatment aids, eyeglasses, hearing aids, orthopedic items and prostheses
- Free transportation to public hospitals in case of emergency or accident
- Administration of medicines where patients have to contribute about 25% or 10% themselves for some diseases
- free rehabilitation and physiotherapy
Unemployment insurance
Επίδομα Ανεργίας or unemployment benefits are granted to workers over 16 years of age who are insured against unemployment. The granting is done by the employment office (OAED). The unemployed persons who receive the benefit are those whose employment contracts have expired or who have been dismissed. To qualify for this benefit, you must have worked approximately 125 days in a 14-month period prior to termination.
Seasonal help is also available. There are some professional activities that can not be performed throughout the year. Thus, these persons receive seasonal work, and OAED pays them during the period in which they cannot pursue any professional activity. Requires "at least 50 to 240 days of insurance in your line of work and no more than 240 days of wages in the calendar year preceding the year in which the benefit is paid".
Car insurance
In Greece, liability insurance is compulsory. It also covers the civil liability of the vehicle owner and other drivers. Property damage and bodily injury to third parties due to accidents are covered.
Apart from liability insurance, one can add other insurance policies, which means additional fees. The other insurances can cover roadside assistance. In addition, comprehensive insurance covers all damages and risks to the driver's vehicle.
Homeowners Insurance
Greeks should purchase homeowners insurance to protect their homes and properties in case something unexpected happens. There are different types of home insurance in Greece. Standard home insurance also protects one's home from damage, smoke damage , explosion, wind, fire and hail . In addition, building insurance covers the structure of a building, including fixtures, painted walls, furnishings and flooring.
Pet insurance is also available. It covers items in the home, including pictures, jewelry, bicycles and furniture. Finally, the household insurance covers burglary and fire. In addition, it covers theft and accidental damage when you are not at home.
Life insurance
In Greece, life insurance plays an important role in protecting the family and covering the mortgage. Life insurance continues after retirement and cannot be insured with the employer . In addition, in the case of fewer resources, life insurance can help the family to live a quality life.
Life insurance plays an essential role in providing a financial future for loved ones. In the event of the insurer's death, the insurance can arrange for the funeral. The insurance can also cover permanent or partial disability in case of an accident.
Travel insurance
Greece is one of the best tourist attractions in the world. However, when visiting, it is important to have travel insurance as it covers medical expenses and unexpected events such as the death of a loved one and the need to return home. In addition, the insurance covers crimes or even the loss of luggage and important documents. People traveling from Greece to other countries should purchase the insurance, as it helps to cover the unforeseen events that may happen during the trip.
Pet insurance
It is horrible and stressful when a pet gets sick or injured. Therefore, purchasing pet insurance can help owners avoid expected visits to the vet. In Greece, pet insurance covers the full cost of treating a pet for illness, unexpected accidents, genetic diseases, cancer and emergency care.
Apart from the coverage mentioned above, there are some policies that cover the liability of pet owners. They cover liability in case of accidents due to omissions or negligence. In addition, there is the animal legal protection, which covers the criminal defense of the insured in case of negligence.
Family liability insurance
The insurance covers individuals, as well as their families, in case they are held liable for unexpected events that are caused. You must be legally and morally obligated to pay for the loss to receive the benefits. In addition, the insurance covers claims from property damage, loss of life, bodily injury to pets.