Health is wealth: Hungarian healthcare and health insurance

Learn all there is to know about Hungarian healthcare and how to enrol in health insurance in Hungary with this useful guide.

Ellie

3 minute read

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1 Nov 2024

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Living

Hungary has a rich history, stunning architecture, and vibrant culture. But did you know it also has an excellent healthcare system? Understanding how health insurance works in Hungary is crucial, especially if you're a foreigner living or planning to move here.

In this article, we’ll guide you through all you need to know about Hungarian healthcare and health insurance in Hungary.

Hungary's healthcare system is a mix of public and private services. The country offers universal healthcare, which is funded primarily through taxes. This means that most residents can use healthcare services at little or no cost. The NEAK (National Health Insurance Fund) uses taxes to fund Hungary’s healthcare system.

Public healthcare in Hungary covers the following:

• Doctor visits
• Hospital stays
• Most prescription medications
• Preventive care
• Dental care for up to 18 years old and emergency dental care for those older than 18

Even private healthcare in Hungary is much more affordable than in other Western European countries or the US. Thousands of people fly to Hungary yearly to take advantage of the cheap private healthcare. Private clinics specialising in plastic surgery, dental work, and fertility treatments do incredibly well in Hungary.

On the other hand, while public healthcare in Hungary is very affordable, it comes with lengthy waitlists due to understaffing and poor equipment. The standard of public healthcare in Hungary also varies a lot depending on where you live. If you choose to live in a city like Budapest, you’ll have access to a much higher quality public healthcare system than in rural towns like Dabas.

Anyone with a Hungarian residence permit or a natural citizen of Hungary must get health insurance. Most people will choose public health insurance, which gives you access to public healthcare.

Understanding the different types of health insurance available in Hungary is essential for choosing the right plan. In Hungary, you can choose public or private health insurance.

Public health insurance in Hungary

Public health insurance is free for most people in Hungary and is funded by taxes. To enrol in public health insurance you need to get a TAJ (Társadalombiztosítási azonosító jel) card. This serves as an ID and is used to verify your insurance when you access public healthcare.

What is a TAJ card?

In Hungary, a TAJ card is an official ID card that serves as a social security code and is used during any administrative processes you complete in Hungary. It’s used to access healthcare, social services and pension insurances.

If you’re moving to Hungary to study, your university will request the TAJ card for you. If you’re moving for work, your employer will request it for you.

Otherwise you can apply for your TAJ card at a Hungarian embassy or consulate before moving, or your closest government office after moving.

Private health insurance

Private health insurance offers an alternative to the public system and is popular among those who prefer more flexibility and quicker access to healthcare services.

Private health insurance in Hungary lets you choose your doctors, access private clinics, and receive faster treatment. Some private health insurance plans also offer additional services, such as dental and optical care.

How much does private health insurance cost in Hungary?

The price of your private health insurance plan varies a lot depending on your age, health and preferred coverage. Monthly premiums can start as low as Ft5,000 (€12.30/$13.30) and go up to over Ft125,000 (€306.50/$333).

The majority of private health insurance holders will pay between Ft10,000 (€24.50/$26.70) to FT20,000 (€49/$53.30) per month for their premium.

With many health insurance providers in Hungary, finding the right one can be overwhelming. Here’s a list of some of the best Hungarian health insurance companies that cater to both locals and foreigners:

1. Aegon

Aegon are a well-known name in the insurance industry, offering various health insurance plans that cater to individual needs. They provide comprehensive coverage options, making it an attractive choice for expats and locals alike.

2. Generali

Generali are another reputable insurance provider in Hungary. Their health insurance plans are flexible and designed to meet the diverse needs of clients. They also have a solid network of healthcare providers, ensuring you have access to quality care.

3. Allianz

Allianz are a global insurance company with a strong presence in Hungary. They offer a range of health insurance products, including plans specifically designed for foreigners. Their international experience makes them a reliable choice for expats.

4. K&H

K&H are a popular choice among Hungarians for their straightforward insurance products. They offer health insurance plans that can be tailored to fit your specific needs, including family coverage options.

5. Union

Union are known for their competitive pricing and extensive coverage options. They provide various plans, from basic to comprehensive, allowing you to choose the level of coverage that suits you best.

Now that you’ve got all the knowledge you need to ensure your health is taken care of in Hungary, it’s time to decide which Hungarian city suits you! Once you’ve found the perfect city, remember that HousingAnywhere helps you find rental homes in Budapest and other popular European cities before you even move.