Healthcare in Hungary for Expats

Life in Hungary offers a rich blend of history, culture, and modern living. With its affordable cost of living, vibrant cities like Budapest, and picturesque countryside, Hungary is an appealing destination for both locals and expats. The country boasts a strong cafe culture, excellent public transportation, and a high standard of safety. If you’re planning on joining the growing community of expats in Hungary, one of your top priorities will undoubtedly be healthcare.

Whether you’re relocating for work, study, retirement, or a fresh start, understanding the Hungary healthcare system is crucial for a smooth and safe transition. From navigating public services to exploring private alternatives and insurance options, this guide will help you understand everything you need to know about healthcare in Hungary for expats.

Does Hungary Have Universal Healthcare?

Yes, Hungary does have universal healthcare. The public system is run by the National Health Insurance Fund Administration (NEAK), providing coverage to Hungarian citizens and eligible foreign residents. Funded through taxation and social security contributions, the Hungarian healthcare system ensures access to a wide range of medical services, including general practitioners (GPs), specialist care, hospital treatment, and emergency services.

However, while the public system is comprehensive, expat healthcare in Hungary often requires more nuanced planning to ensure quick access, especially when language barriers and waiting times are considered.

The Healthcare System in Hungary: An Overview

The healthcare system in Hungary is divided into two primary sectors: public and private. Most residents, including eligible expats, rely on public services, but the private sector is increasingly popular for faster, more personalized care.

Public Healthcare

Public healthcare is available to citizens and registered residents with a valid Hungarian health insurance card, also known as a TAJ card. If you are employed in Hungary, you automatically contribute to the system and are eligible for services. The TAJ card provides access to state-run clinics, hospitals, and emergency services.

The quality of healthcare in Hungary varies. While cities like Budapest offer modern facilities and skilled professionals, rural areas may lack up-to-date equipment or fluent English-speaking staff. Overall, Hungary’s healthcare ranking is decent within the EU but may not match standards found in Western Europe.

How to Register for Healthcare in Hungary as an Expat

As an expat, here are the steps to access public healthcare:

1. Get a residence permit: Without legal residency, you cannot access public services.
2. Secure employment or register as self-employed: This ensures contributions to the NEAK health insurance fund.
3. Apply for a TAJ card: Submit your employment contract, proof of address, and other documents to the local NEAK office. The card typically arrives within a few weeks.
4. Visit a GP: Once registered, choose a local GP as your entry point into the system.

For non-working expats or retirees, voluntary contributions to NEAK are possible. Still, many prefer private medical insurance in Hungary due to faster service and greater flexibility.

Private Healthcare in Hungary

Due to long waiting times, limited English-speaking staff, and bureaucratic delays in the public sector, many expats choose private healthcare. Private facilities offer faster appointments, English-speaking doctors, and modern equipment.

Private healthcare costs vary by clinic and service but remain more affordable than in Western Europe. Appointments are easy to book online or by phone, often with short wait times.

Health Insurance in Hungary: What Are Your Options?

Whether using public or private healthcare, insurance is essential. Here are your main choices:

Public Health Insurance

Employees and eligible residents receive public insurance through NEAK. Unemployed expats can voluntarily join for a monthly fee, granting access to public clinics (but not private hospitals).

Private Health Insurance

Private health insurance is ideal for expats who want access to private clinics, English-speaking doctors, and quick appointments. Plans are valuable for chronic conditions, frequent visits, or specialized care.

Monthly premiums range from €30 to €100+ depending on age, provider, and coverage level. International insurers like Cigna, Allianz, and Bupa offer expat-friendly plans.

When comparing private insurance options, look at coverage limits, clinic networks, direct billing, and whether repatriation or treatment abroad is included.

European Health Insurance Card (EHIC) in Hungary

EU/EEA citizens visiting Hungary can use the EHIC to access medically necessary care under the same conditions as locals. EHIC is not a substitute for private insurance and does not cover repatriation, so it’s unsuitable for long-term stays.

Emergency Services and Foreigners

In life-threatening situations, emergency care is usually provided regardless of insurance status. However, non-EU expats may be billed afterward unless they have valid insurance. Public emergency services are covered for those holding a TAJ card.

Without insurance, even an ER visit can be costly—private health insurance is highly recommended.

Choosing Between Public and Private: What Expats Should Know

Public healthcare works well for routine and emergency care if you’re registered and speak Hungarian. Private care is ideal for expats prioritizing convenience, faster service, higher-quality facilities, and English-speaking staff.

Get a Hungarian Golden Visa!

Hungary’s Golden Visa program, officially called the Guest Investor Program, offers residency to non-EU nationals who make a qualified investment. Minimum investments include government-approved real estate funds or a €1 million donation to a Hungarian university. Investors and their families receive a renewable residence permit with access to the Schengen Area.

Hungary offers two main investment routes:

1. Invest €250,000 in a government-approved real estate fund (held for 5 years).
2. Make a non-refundable €1,000,000 donation to a Hungarian university.

Contact us to get expert assistance with the Hungary Golden Visa program.

What’s Best for You?

Depending on your situation in Hungary, here’s what you should consider:

• Working expats: Use public healthcare but consider private add-ons.
• Students: Often eligible for public coverage; supplemental insurance recommended.
• Retirees and freelancers: Consider private insurance or voluntary NEAK contributions.
• Short-term visitors: Use an EHIC or an international insurance plan.

With the right preparation, the Hungarian healthcare system can work very well for you. From understanding costs to registering for insurance, knowing your options ensures a smooth experience.

If you’re ready to move—or already living in Hungary—make healthcare part of your relocation checklist. Secure your TAJ card, compare insurance options, and explore both public and private services to stay healthy and worry-free.