Guide

Hungary – Health Insurance

Health insurance is compulsory for everyone living and working in Hungary. The country runs a social insurance-based public healthcare system managed by the National Health Insurance Fund (NEAK), which provides a wide range of services at minimal or no cost

Gibraltar – Health Insurance

Gibraltar’s health insurance landscape is built around a hybrid model overseen by the Gibraltar Health Authority (GHA). The public system — financed through taxation and social security contributions — provides coverage for the majority of employed residents and their dependants.

Greece – Health Insurance

Health insurance is a legal requirement for all residents and the majority of visa applicants in Greece. The national system — known as ESY (the National Health System), operated through EFKA and EOPYY — extends universal coverage to employed workers

Germany – Health Insurance

Germany requires every person residing in the country to hold valid health insurance — and this obligation extends to those arriving from abroad. The system is built on a two-tier model: statutory public insurance (GKV), which covers roughly 90% of

Finland – Health Insurance

Finland runs a tax-financed, universal public healthcare system that extends to all permanent residents, including expats who register with Kela (the Social Insurance Institution of Finland). While private health insurance is not a blanket legal requirement for every resident, certain

France – Health Insurance

All legal residents in France are required to have health insurance. The country operates a social insurance framework — the Protection Universelle Maladie (PUMA) — that extends coverage to most legal residents, expats included, after three months of living in

Egypt – Health Insurance

Foreign residents and visa holders in Egypt are not currently required by law to hold health insurance, though the country’s Universal Health Insurance Law (Law No. 2 of 2018) is being introduced in stages and is aimed principally at Egyptian

Estonia – Health Insurance

Estonia’s health insurance framework is built on a mandatory social insurance model administered by the Estonian Health Insurance Fund (EHIF, called Tervisekassa in Estonian). The vast majority of working residents — including foreign nationals in formal employment — are enrolled

Ecuador – Health Insurance

All foreign residents in Ecuador are legally required to hold health insurance — the country’s Human Mobility Law obliges every visa and residency holder to maintain valid public or private cover throughout the period they are authorised to remain. Ecuador

Dominican Republic – Health Insurance

Dominican Republic law makes health insurance compulsory for all workers in formal employment, with costs shared between employers and employees through the national social security framework. The public insurer, SENASA, extends coverage to legal residents, though service quality differs significantly