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Moving to Hungary? Here’s what expats need to know about healthcare and insurance – a 2026 guide
Moving to Hungary involves more than finding a flat and setting up utilities. Understanding how the healthcare system works is essential for both short- and long-term residents.
What you’ll read below
Hungary offers a mix of public and private healthcare, and expats often use a combination of both. Here is what foreigners should know about medical services and insurance before they need treatment.
How does the Hungarian healthcare system work?
Hungary operates a state-funded public healthcare system supported by social security contributions. Those who are employed and paying into the system are entitled to public medical care through the National Health Insurance Fund (NEAK).
Public hospitals and clinics provide basic services, specialist care and emergency treatment, although waiting times can sometimes be long.
Private clinics offer faster appointments and English-speaking staff, but at much higher costs.
Who is eligible for public healthcare?
Eligibility usually depends on employment or legal residency.
You are typically covered if you:
- Work for a Hungarian employer
- Pay social security contributions
- Are registered as a resident
Once registered, you receive a TAJ card (social security card), which must be presented when visiting public healthcare providers.
What is a TAJ card?
The TAJ card is your official health insurance identification in Hungary. It proves you are entitled to state-funded medical care.
Without it, you may be charged full private rates, even at public hospitals.
Expats should apply for the card as soon as they obtain residency or employment.
Should expats choose private healthcare?
Many foreigners opt for private care for convenience and language reasons. Private clinics often offer:
- Shorter waiting times
- English-speaking doctors
- Modern facilities
- Easy online booking
Prices are generally affordable compared to Western Europe, and many services are available without referral.
A private GP visit may cost between HUF 20,000–35,000 (EUR 53–93), depending on the clinic.
Do you need private health insurance?
While not legally required for everyone, private insurance is strongly recommended.
It can cover:
- Private consultations
- Diagnostics and scans
- Hospital stays
- Specialist treatments
Some residency permits or visas may also require proof of insurance.
International insurers and local providers both operate in Hungary.
What about pharmacies and prescriptions?
Pharmacies (gyógyszertár or patika in Hungarian) are widely available and easy to find. Many medicines that require prescriptions elsewhere may be available over the counter in Hungary.
Opening hours vary, but larger cities always have 24-hour pharmacies on rotation (find the lists here; you might need to translate the page as it’s in Hungarian).
Emergency care
Emergency treatment is available to everyone. Dial 112 for ambulance services.
Public emergency care is generally reliable, though waiting times may vary depending on demand.
Practical tips for expats
- Register for your TAJ card early
- Keep copies of insurance documents
- Consider private insurance for faster access
- Choose clinics with English-speaking staff if needed
- Check what your employer’s package already covers
Hungary’s healthcare system is affordable and mostly functional (unfortunately, less and less so in recent years), but navigating the mix of public and private services can initially feel confusing. With proper insurance and registration, most expats find accessing care straightforward and reasonably priced.
If you missed it:
Healthcare and insurance: Frequently asked questions
Is healthcare free in Hungary for foreigners?
Public healthcare is free or low-cost if you are legally employed and paying social security contributions. Otherwise, you may need private insurance or pay out of pocket.
What is a TAJ card and do I need one?
A TAJ card is Hungary’s social security health card. It proves you are entitled to state-funded medical treatment and is essential for accessing public healthcare.
Can expats use private doctors in Hungary?
Yes. Many expats choose private clinics for shorter waiting times, modern facilities and English-speaking staff. Appointments are usually quick and straightforward to book.
How much does private healthcare cost in Hungary?
Prices vary, but a private GP consultation typically costs between HUF 20,000–35,000 (EUR 53–93). Specialist visits and tests cost more but are still cheaper than in many Western European countries.
Do I need private health insurance to live in Hungary?
It is not mandatory, but it is strongly recommended. Some residence permits also require proof of insurance coverage.
How do I call an ambulance in Hungary?
Dial 112 for emergency services. Operators can usually assist in English.
Are pharmacies easy to find?
Yes. Pharmacies are common throughout Hungary, and larger cities have 24-hour options available for urgent needs.