Versicherung für die Einreise nach Ungarn: wer sie benötigt, Regeln für den Erwerb für verschiedene Visakategorien und wo man sie kaufen kann?

Für jede Reise nach Ungarn sollten Sie unbedingt eine gültige Versicherungspolice haben. Vor der Reise ist es äußerst wichtig, alle Bedingungen der obligatorischen Krankenversicherung, die Kriterien für die Auswahl eines zuverlässigen Versicherungsunternehmens und das Verfahren zum Erwerb einer Police sorgfältig zu lesen.

Eine Versicherungspolice ist eine Garantie für Ihre Sicherheit und einen friedlichen Aufenthalt außerhalb der Ukraine

KAUFEN

Are you planning to travel to Hungary for work, study or tourism? Or perhaps you are planning to obtain temporary protection? This article will help you understand all the ins and outs of health insurance and other key aspects of your trip so that you can feel confident and at ease.

You will learn about the mandatory requirements for obtaining a residence permit or long-term visa, which will help you avoid unpleasant surprises and ensure smooth entry. If your trip is short and does not require a visa, we will provide comprehensive recommendations on how to obtain medical insurance for your peace of mind and safety during your stay.

We pay special attention to medical support for refugees, taking into account their specific healthcare needs. We will also consider all the nuances of the mandatory ‘Green Card’ for motorists, without which it is impossible to cross the border in your own vehicle, ensuring that you are fully prepared for your trip.

Planning a trip to Hungary? Make sure you have reliable insurance.

Who needs insurance to enter Hungary?

According to current Hungarian legislation, medical insurance requirements for entry into the country depend on the nationality of the person and the purpose of their stay.

In 2025, you can only travel to Ukraine from Hungary by land. Find out about train and bus connections or plan your route by car with Visit Ukraine.

Details on the operation of Ukraine-Hungary border crossing points can be found at the link.

Who needs medical insurance to enter Hungary?

According to official sources and general requirements for entry into the Schengen area (of which Hungary is a part), medical insurance is mandatory for the following categories of persons:

Third-country nationals who require a Schengen visa (short-stay visa, type C) to enter the country

When applying for a visa, you must have a valid medical insurance policy that covers the costs of emergency medical care, hospitalisation and repatriation for medical reasons. The minimum coverage amount is usually €30,000. The insurance must be valid for the entire duration of the planned stay.

Persons applying for a long-term visa (type D) or a residence permit (e.g. for employment, study)

Medical insurance is one of the main requirements for obtaining such documents, as it guarantees access to medical services during a long stay in the country. Specific coverage requirements may vary depending on the purpose of the stay.

A visa to Hungary is required for those who plan to stay in the country for a long time. Follow the link and find out in which cases a visa to Hungary is required and how to obtain it.

If you plan to visit Hungary in transit, please note the country's active air connections with many European countries. Find out how to get to Ferenc Liszt Airport in Budapestby following the link.

Drivers of vehicles (especially from countries outside the EU/EEA) crossing the border in their own cars

They must have an international insurance certificate ‘Green Card’, which covers liability for damage caused to third parties in traffic accidents in Hungary (and other countries participating in the system).

Important! If you plan to stay in Hungary for a long time, you may need local car insurance. Read about who and in what cases should purchase car insurance in Hungary here.

Follow the link and learn about the features and prohibitions of traffic rules in Hungary.

Who should have medical insurance to enter Hungary?

According to official recommendations and international practice, medical insurance for entry into Hungary is desirable (strongly recommended) but not always strictly mandatory for the following categories of persons:

Third-country nationals who are entitled to visa-free entry into the Schengen area (including Hungary)

Although there is no strict legal requirement for them to present an insurance policy at the border (as is the case for visa applicants), insurance is highly desirable. Border authorities may require proof of sufficient financial means to cover possible expenses, including medical expenses, and an insurance policy is the best proof of such ability. Moreover, without insurance, all medical expenses (from doctor's consultations to emergency hospitalisation) are borne by the traveller, which can be extremely expensive.

EU/EEA and Swiss citizens travelling to Hungary

Although they have access to the Hungarian public healthcare system upon presentation of a European Health Insurance Card (EHIC), the EHIC only covers emergency and essential medical care under the same conditions as Hungarian citizens. It does not cover repatriation costs (return home for medical reasons), dental costs, treatment of chronic illnesses, loss of luggage, cancellation of travel, etc. Therefore, for complete peace of mind and wider coverage, it is highly recommended to take out additional private travel insurance.

Persons visiting Hungary on short private visits (e.g. to friends/relatives) where no visa is required

Although the purpose of their trip is not related to work or study, health risks remain. Insurance will provide protection in case of illness or accident.

How is medical assistance provided to refugees in Hungary?

According to official sources and information from international organisations (such as UNHCR) and Hungarian state authorities, medical assistance to refugees in Hungary is provided as follows:

Until temporary protection status or asylum seeker status is granted (for Ukrainians)

Emergency and urgent medical care: Ukrainian citizens who arrived in Hungary after 24 February 2022 are entitled to emergency and urgent medical care in most hospitals and clinics on the basis of their Ukrainian foreign passport. The costs of such services are covered by the Hungarian Health Insurance Fund. The emergency number is 112.

Specialised assistance in certain cases: Free gynaecological care and examinations during pregnancy are available (e.g. at the Duna Medical Centre in Budapest), as well as psychological assistance through special hotlines and organisations (e.g. pszi.hu). There are also hotlines for diabetics and assistance for people with autism.

For children: In urgent cases, you can contact children's hospitals (e.g. the ‘Hajdú-Bihar’ hospital). There are emergency hotlines for children that provide advice on obtaining referrals.

After obtaining temporary protection status or international protection status (refugee/subsidiary protection)

First 6 months: Persons who have been granted temporary protection status are entitled to access free basic medical services for six months. These include medical screenings, examinations, general medical care and specialised emergency care. For this purpose, a temporary document (e.g. ‘Hatósági Bizonyítvány’ instead of a TAJ card) may be issued, or a ‘technical ID’ may be generated by the medical facility in the absence of a TAJ number, which provides access to services similar to those available to Hungarian citizens.

After 6 months: After the initial six-month period, access to full medical care through the public insurance system (TAJ card) is usually linked to employment (the employer pays contributions) or to the independent payment of monthly insurance contributions. If a person is in a difficult financial situation (income below a certain threshold), they may be entitled to free medical care on the basis of ‘social need’ (közgyógyellátás), which must be applied for through the local authorities.

Full range of services (after obtaining insurance): After obtaining full health insurance (TAJ card), refugees have access to preventive examinations, primary and specialised care (outpatient and inpatient), certain types of dental care, rehabilitation, emergency services and reimbursement of medication costs.

General requirements for insurance policies for short-term and long-term travel

In accordance with Hungarian law and the general requirements of the Schengen area, there are clear insurance requirements for different categories of persons. The main aspects regulated by official sources include:

Medical insurance for entry and stay

To obtain a Schengen visa (type C) or a long-term visa/residence permit (type D), Hungarian law, like the general rules of the Schengen area, requires a valid medical insurance policy.

Coverage: The insurance must cover all expenses that may arise in connection with emergency medical care, emergency hospitalisation and repatriation for medical reasons or in the event of death.

Minimum coverage: At least €30,000 (or the equivalent in US dollars). Some official embassy sources indicate $50,000 USD.

Validity: The policy must be valid for the entire duration of the planned stay in Hungary and in all Schengen countries. For a Schengen visa, coverage for 15 additional days after the end of the trip may also be required.

Deductible: A deductible of up to €150 may be set.

For foreigners staying in Hungary on a long-term basis (employment, study, residence)

Hungary has a compulsory health insurance system administered by the National Health Insurance Fund (NEAK). Foreign citizens who are working or planning a long-term stay must have medical insurance. This can be:

State insurance (TAJ card): After employment, the employer pays social contributions, which include health insurance contributions, and the person gains access to the state healthcare system. For persons who are not working but wish to have access to the state system, it is possible to take out voluntary insurance with NEAK by paying monthly contributions (the amount of which depends on the minimum wage and age) after undergoing a medical examination.

Private health insurance: Permitted, especially in the early stages of residence before obtaining a TAJ card, or as a supplement to state insurance for access to a wider range of services and private clinics.

For students: International students may be required to provide proof of insurance through university programmes or private providers.

What kind of insurance can I get in Hungary?

Planning a trip to Hungary – whether for vacation, work or study? Then medical insurance is not just a formality, but a key element of your peace of mind and financial security.

We strongly recommend that you take out a policy before leaving the United Kingdom. Although it is theoretically possible to purchase insurance after arriving in Hungary, this can cause many problems and inconveniences. A policy taken out in advance guarantees that you will be covered from the moment you arrive in the country.

Why not buy insurance abroad?

Purchasing an insurance policy directly in Hungary has a number of significant disadvantages:

Limited coverage. A policy purchased abroad is often only valid in the country where you purchased it. If your plans include travel to other Schengen countries, you will probably have to purchase new policies for each subsequent country. This is extremely inconvenient and financially disadvantageous.

Higher prices. As a rule, the cost of medical or travel insurance abroad is significantly higher. Ukrainian insurance companies usually offer similar programmes at much more attractive prices, allowing you to save money without compromising on the quality of coverage.

Language barriers and difficulties. Not knowing the Hungarian language and local nuances of insurance legislation can lead to misunderstandings about the terms of the contract, exceptions and the procedure for settling an insurance claim. This can negatively affect the timely receipt of necessary assistance.

Advantages of taking out a policy with Ukrainian insurance companies

By choosing a Ukrainian insurance company, you get a number of undeniable advantages that will ensure your peace of mind and confidence while travelling:

1. Most Ukrainian insurers offer quick and easy online policy registration without leaving your home. This saves you time and allows you to easily compare the terms and prices of different programmes.

2. Domestic companies have unique experience working with Ukrainian citizens and are well aware of the specifics of our travels. They develop policies that take into account potential risks as much as possible and provide adequate coverage tailored specifically to our customers.

3. The cost of insurance policies from Ukrainian companies is significantly more competitive than foreign counterparts. You get reliable protection at the best price.

4. By choosing a Ukrainian company, you are not only taking care of your own safety, but also making a direct contribution to the development of the national market, supporting Ukraine's economic growth, especially in these difficult times.

5. Ukrainian insurers have well-established mechanisms for interacting with customers. This greatly simplifies the process of submitting documents, communicating and receiving payments in the event of an insured event, eliminating language and bureaucratic barriers.

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What does insurance from Ukrainian insurers cover?

Medical and travel insurance policies can be purchased on the Visit Ukraine portal. Before doing so, we recommend that you familiarise yourself with the risks they cover.

What are the advantages of a medical insurance policy on Visit Ukraine?

When you travel, a standard medical insurance policy is your reliable support in most unforeseen health situations. It usually covers the following basic medical cases:

– initial visit to a doctor and necessary diagnostic procedures;

– outpatient and inpatient treatment;

– emergency medical interventions, including hospitalisation;

– reimbursement of the cost of medicines prescribed by a specialist.

– payment for transportation to the nearest medical facility in case of emergency;

– assistance with acute toothache.

For maximum protection and peace of mind, choose an extended medical insurance package. Such a policy can offer significantly broader coverage:

– vaccination and emergency surgery;

– organisation and payment of repatriation of the body in the event of the insured person's death;

– flight delay or cancellation;

– loss or damage to your luggage;

– payment for urgent telephone calls related to an insured event.

– reimbursement of losses in the event of damage to your vehicle as a result of a traffic accident.

Take care of your peace of mind and safety on every trip – choose medical insurance from Visit Ukraine! This is your step towards confident and safe travel.

What are the advantages of a travel insurance policy from Visit Ukraine?

A high-quality travel insurance policy is your financial shield, guaranteeing peace of mind and safety in any unforeseen situation abroad. It provides comprehensive protection in various critical situations:

1. The insurance will cover the cost of necessary treatment, whether it is an outpatient visit to a doctor or inpatient treatment at a clinic. In addition, you will receive emergency dental care if you experience acute pain.

2. In the event of serious illness, injury or, unfortunately, a tragic event, the policy will organise and pay for your evacuation, transport home and, if necessary, repatriation of the body or funeral arrangements abroad.

3. You will be compensated for losses related to flight cancellations or significant delays. The insurance will also cover the cost of lost or damaged luggage due to the fault of the carrier.

4. If necessary, the policy will provide the necessary legal advice, ensuring you receive support in complex legal matters.

5. The insurance guarantees financial protection and compensation for losses in the event of a traffic accident.

Make your trip worry-free – get travel insurance from Visit Ukraine today!

How much does insurance cost?

Medical insurance

Travel insurance

On the Visit Ukraine portal you can choose a policy for travelling to any country in the world!

Advantages of purchasing insurance on Visit Ukraine

We understand that speed, reliability and convenience are important when travelling. By choosing us, you get:

Instant decision. You can arrange everything you need quickly and effortlessly, saving you time.

Favourable terms. We offer flexible payment options and optimal prices tailored to your capabilities.

Convenience and reliability. The registration process is instant, and your data remains completely secure.

Individual approach. You get exactly the service that is perfectly tailored to your unique needs.

Round-the-clock support. We are always available to help you 24/7, regardless of your location.

Take out an insurance policy and travel to Hungary safely!

Reminder! We previously told you how Ukrainians can emigrate to Hungary in 2025.

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