An Expat’s Guide to Understanding Health Insurance in Hungary
Hungary is an increasingly popular destination for expats. Given its affordable cost of living, the country is an excellent option for budget-minded relocation. It also has convenient public transportation, delicious food, and a thriving arts scene. However, before moving there, it’s essential to understand the intricacies of health insurance in Hungary.
Insurance for expats in Hungary is a necessity. If you plan to register as a resident or apply for a Hungarian visa, you will need to provide proof of healthcare coverage. This insurance should cover medical and repatriation expenses of at least USD $50,000.
Fortunately, there are numerous health insurance options in Hungary for foreigners. You should be able to find excellent health insurance in Hungary that meets your needs at a reasonable price.
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The Best Health Insurance for Expats in Hungary
Although Hungary has a national health system, the best health insurance for expats in Hungary is usually an international plan.
Hungary’s underfunded public healthcare system faces challenges with staffing, outdated equipment, and prolonged wait times.
A private insurance plan enables expats to access high-quality care at reputable private clinics, featuring English-speaking doctors, comfortable facilities, and reduced wait times.
Even if you have the option to enroll in Hungary’s public healthcare system, you should supplement your coverage with a private health insurance policy.
This is particularly important if you plan to spend time in the countryside, as rural facilities often have equipment and staffing shortages.
Private insurance may also cover medications and equipment that the public system does not cover. In fact, Hungarians themselves are increasingly turning to private care.
Recommended Health Insurance Plans for Expats in Hungary
Cigna Global Insurance Plan
- Flexible plans tailored to your needs and budget
- 1.5M+ providers in 200+ countries
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IMG Global Prima Medical Insurance
- Five flexible plan levels with optional add-ons
- Choose your coverage area based on where you live or travel
- Freedom to select your healthcare provider anywhere in the world
Best Private Health Insurance Plan for US Citizens in Hungary
BCBS Global Solutions Worldwide Premier
- Unlimited annual and lifetime coverage
- Pre-existing conditions covered with prior insurance
- For U.S. citizens abroad or foreign nationals in the U.S.
Hungary’s Health Insurance Options for Expats
Hungary’s National Health Insurance Fund (Nemzeti Egészségbiztosítási Alapkezelő or NEAK) oversees the country’s healthcare system.
The public health system is funded by social security contributions, which comprise 3% of an employee’s income, an employer’s payment of 15% of an employee’s salary, and a national income tax. Expats in Hungary who make social security contributions can also join this system.
Please note that you’ll need to understand Hungarian or have a friend or translator assist you with the required forms and paperwork.
Expats from the European Union, Iceland, Norway, Liechtenstein, or Switzerland are entitled to care through Hungary’s national health system, provided they hold a European Health Insurance Card (EHIC).
The same applies to individuals from the United Kingdom holding a UK Global Health Insurance Card (GHIC). Holders of these cards will receive any medically necessary healthcare during a temporary stay. However, non-urgent treatment will not be covered.
Most expats in Hungary will benefit from an international expat insurance plan. These plans will cover all medical treatments, not just urgent care.
You’ll also be able to receive medical care at high-quality private facilities without the staffing and funding issues that Hungary’s public healthcare settings face.
While most healthcare services are provided free of charge within Hungary’s public health system, some medications and medical equipment are not covered.
However, you can select a private international insurance plan that offers services not covered by the state system.
Since doctors aren’t well paid in the public system, many skilled physicians opt to practice privately. Among Hungarians, many believe the private sector delivers better healthcare.
Do US Citizens Living in Hungary Qualify for Healthcare?
The U.S. government does not have an agreement with Hungary to provide reciprocal healthcare for citizens.
Americans, therefore, need to sign up for an international health insurance plan or travel insurance to have health coverage in Hungary. That’s not a bad thing! Private insurance offers numerous options for excellent care.
Many people in Hungary prefer private clinics because they don’t have the same delays and equipment shortfalls as the public sector.
Find the Best International Medical Insurance
- Compare multiple quotes from top insurers
- Get expert advice at no additional cost
- Find the right plan for your needs and budget
Plans for Students at Colleges and Universities in Hungary
The school you’re attending may offer a health insurance plan you can enroll in. However, as an international student, you should also be able to enroll in an international student insurance plan.
These plans will allow you to meet Hungary’s health insurance visa requirements and may be more affordable than the school-provided option.
Worldwide Specialty
- Worldwide medical coverage built for students and faculty in the U.S. and abroad.
- Select from a range of deductibles and rates.
- Choose providers either in or out of our elite network.
Student Health Advantage
- Standard and Platinum level benefits available.
- Coverage for individuals and groups and their dependents.
- Freedom to seek treatment with hospital or doctor of your choice.
Travel Insurance for Short-Term Visitors to Hungary
Hungary has a public healthcare system, but visitors can’t rely on that system for all their medical needs. Even during a short trip, you could have a car accident in Budapest, or you might trip and fall while visiting Buda Castle. If that happens, you’ll receive urgent care, but non-emergency treatment will not be covered.
For peace of mind, short-term visitors to Hungary can purchase travel insurance. These plans will provide coverage for the duration of your trip. For individuals making longer journeys, international health insurance may be a more suitable option.
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Group Medical Insurance in Hungary for International Employees
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Global Medical Care in Hungary
Hungary is one of the most popular destinations for medical tourism in Europe. As such, its private facilities are thriving.
Foreign visitors come for care that includes dental treatment, cosmetic surgery, orthopedic surgery, fertility treatments, and eye surgery.
Hungary’s public healthcare system has faced challenges in recent years. Funding shortfalls are a perennial problem.
There’s also a notable urban-rural divide in Hungarian healthcare. The capital city of Budapest has 87% more doctors and 64% more hospital beds than other parts of Hungary.
Public clinics can often be understaffed, as many care providers have moved abroad or transitioned to private practice.
How to Find a Family Physician or GP in Hungary
Users of the Hungarian public health system will receive a Hungarian health insurance card, known as a TAJ card (Társadalombiztosítási Azonosító Jel).
Once you have a TAJ insurance card, you can register with a local primary care doctor (a general practitioner).
It’s essential to register with a primary care doctor because you’ll usually need to see that doctor to obtain a referral for specialized care.
If you’re using private health insurance in Hungary, your insurer will have a list of hospitals and other facilities you can use. You can visit a primary care provider or consult a specialist directly.
How to Get Hospital Care in Hungary
If you are experiencing a medical emergency in Hungary, call 112 to connect with English-speaking operators who can assist you in accessing care.
If you speak Hungarian, you can call 104 for ambulance services. For non-emergencies, contact your embassy to find hospitals, clinics, and other healthcare providers.
If you’re seeking care in a public facility and you have a TAJ card, please bring it with you to the hospital.
Remember that although most healthcare is free in Hungary’s national health system, some prescriptions and medical equipment may incur costs.
If you have private insurance, you can visit a private clinic that offers excellent care.
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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