Health insurance in Hungary

Hungary offers universal health care, which is largely financed by the government and provides a wide range of health services, both primary and specialist.

Health insurance for expats in Hungary

How does the Hungarian healthcare system work?

All residents of Hungary are required to take out compulsory health insurance. which is managed by the National Health Insurance Fund (NEAK). Contributions are deducted from an individual's income, including salaries and income from self-employment. Employers are also required to pay contributions.

This provides basic cover for essential medical care, including consultations with general practitioners and specialists, prescribed medicines, hospital care, preventive care and rehabilitation treatment.

Some services, such as dental care, are not fully included in compulsory health insurance. This treatment may require additional charges, although some basic services are covered for children and young adults.

Accessing Healthcare services

The healthcare system in Hungary comprises a network of healthcare providers, including general practitioners, specialists, hospitals, clinics and pharmacies. 

It is recommended that you consult your GP first to assess your medical needs and obtain appropriate recommendations. They can refer you to a specialist for further treatment if necessary.

There may be waiting times for some specialist consultations or medical procedures in Hungary. However, cases requiring urgent medical attention are treated on a priority basis.

How to choose health insurance in Hungary: local or international?

When it comes to choosing health insurance in Hungary, you have two main options: local health insurance or international health insurance.

Local health insurance in Hungary is compulsory for all residents of the country, though international health insurance can be advantageous if you plan to travel frequently. It can also provide fast access to diagnosis and specialist consultations and give you the freedom to choose your doctor as well as where you receive treatment.

How much does healthcare cost in Hungary?

Healthcare costs in Hungary are generally more affordable than in many other European countries. Public health services are largely subsidised by the state, which helps to reduce costs for patients. Here are some indicative examples of healthcare costs in Hungary:

• Consultation with a general practitioner: The average cost of a consultation with a general practitioner in Hungary is around €15 to €30;

• Consultation with a specialist: The cost of a consultation with a specialist can vary from €30 to €60, depending on the medical speciality;

• Hospitalisation: Hospitalisation costs in Hungary are generally covered by local health insurance. However, additional fees may be charged for services not covered or for single rooms;

• Medicines: Prescription drugs in Hungary are generally subsidised, which considerably reduces costs for patients. The exact amount to be paid depends on the specific medicine and the health insurance taken out.