Disabilitie's Rights Archives

DISABILITY CARD OR TRANSPORTATION PASS FOR PEOPLE WITH DISABILITIES 2026. WHAT BENEFICIARIES NEED TO KNOW.

The new explanatory circular regarding transportation for people with disabilities (PWDs) for 2026 has raised several questions among beneficiaries and their families who are trying to understand what the current rules are. The most common question is: “I have the plastic Disability Card. Do I also need to get a PWD Transportation Pass?”

The answer is that the Disability Card has not completely replaced the Transportation Pass. Both of these documents remain valid simultaneously, and the need for one or the
other depends on the mode of transportation used by each eligible person. To make this clearer, here’s what applies in each case.

Athens and Thessaloniki: The Disability Card can be used for urban travel

For travel on OASA transit in Athens and OSETH transit in Thessaloniki, the plastic Disability Card can be used by eligible beneficiaries.

Cardholders can travel by validating their card at the designated machines, without needing to obtain a
separate Travel Pass specifically for these transit services.

The following are required:

the Disability Card must be valid,
must bear the designated disability level II or III designation,
or the beneficiary must receive disability financial assistance from OPEKA,
and income criteria must be met where required.

URBAN KTEL BUSES IN THE PROVINCE: THE TRAVEL PASS REMAINS NECESSARY

This is the point that has caused the most confusion. Possession of a Disability Card does not mean that
the Travel Pass is no longer required for all trips.

For urban KTEL buses operated by the Regional Units, as well as by the municipalities of Kos and
Rhodes, a Mobility Card for People with Disabilities is required, even if the beneficiary holds a Disability Card.

Therefore, those who use urban KTEL buses in their area should apply:
– at the Citizen Service Centers (KEP),
– or at the relevant offices of the Regional Unit.

FOR 2026, THE PROCESS BEGINS ON JULY 1, 2026, AND ENDS ON NOVEMBER 30, 2026.
Intercity Buses (KTEL): 50% Discount on Fares

For travel on intercity buses (KTEL)—that is, for trips from one city to another—a 50% discount is available.
The discount can be obtained with:
– A valid Disability Card,
– or a Transportation Pass for People with Disabilities.

Thus, for intercity routes, the beneficiary has more options.

Are there income criteria for free transportation?

One point that often causes confusion concerns income. There are no income criteria for issuing the Disability Card.

The income limits apply to eligibility for free transportation.

For 2026, the limits are as follows:
– individual taxable income up to 23,000 euros,
– declared family income up to 29,000 euros.

The family income limit increases by 5,600 euros for each additional person with a disability of 67% or higher who lives with and is financially dependent on the taxpayer.

It is important to note that: OPEKA disability benefits are not included in the above income limits. A relevant certificate from OPEKA may be required to exclude them.

Who is exempt from the income criteria?

People who are totally blind are exempt from the income criteria.

What applies to the companion?

In many cases, a companion is also entitled to travel.
If the Disability Card is marked with an “S” (Companion):

in Athens and Thessaloniki, the companion travels with the cardholder upon a single validation of the card. For KTEL buses, however, the prescribed procedure and the corresponding Companion Travel Pass are required where necessary.

So, what do beneficiaries need to keep?

The Disability Card is a significant benefit, but it does not mean that the Travel Pass is being
eliminated.
In simple terms:
Disability Card:
✔ Athens and Thessaloniki
✔ Intercity KTEL buses for a 50% discount
Travel Pass:
✔ Provincial KTEL buses
✔ Situations where a companion’s entitlement is required
✔ Those who do not have a Disability Card

At Kapa3, we believe that accurate information can save time, trips, and unnecessary hassle,
especially for people who already face increased challenges due to a disability or a serious illness.

View the circular here: TRANSPORTATION 2026
DISABILITY CIRCULAR

For more information, please don’t hesitate to contact the Kapa3 team:

📍Athens: 13 Kosti Palama, 3rd floor, (9:00 AM – 5:00 PM)
📍13 Kosti Palama, 11141 Athens
☎️210 5221424
📱6906265170
www.kapa3.gr, info@kapa3.gr

The Right to Be Forgotten: A New Era of Dignity for Cancer Survivors

Life after cancer should not be accompanied by lifelong financial exclusion

For many decades, completing cancer treatment did not always mean the end of obstacles for those who had been diagnosed with the disease. Years after their treatment, many survivors continued to face higher insurance premiums, denied insurance applications, and difficulties accessing financial services.A history of cancer could act as a permanent “stigma,” even many years after treatment had ended.

Thus, medical progress and a return to daily life were not always accompanied by corresponding social and economic rehabilitation.

With Law No. 5317/2026, published on July 10, 2026, Greece is moving forward with the legislative enshrinement of the so-called “Right to Be Forgotten” for cancer survivors, in the context of insurance contracts linked to consumer credit agreements. This specific provision is found in Article 16, paragraph 4, of the law.

What the new provision stipulates

The law prohibits the use of personal data related to a consumer’s cancer diagnosis when such data is to be used for an insurance contract linked to a credit agreement and five years have passed since the completion of treatment.

Simply put, once the five-year period has elapsed, a prior history of a cancer diagnosis cannot be used in this specific context as a factor in assessing the insurance contract accompanying the credit agreement. This represents a significant shift: individuals are no longer assessed indefinitely through the lens of a past
illness, but are given the opportunity to move forward with their lives without their previous diagnosis serving as a permanent obstacle.

The four key points of the new entitlement

The Right to be Forgotten does not mean that the diagnosis is deleted from the medical record. It means that, after the prescribed five-year period, data related to the cancer diagnosis may not be used for that specific insurance purpose.

Fourth, special oversight is provided for.

The Personal Data Protection Authority is responsible for enforcing paragraph 4 of Article 16 and possesses the supervisory and auditing powers provided for by the General Data Protection Regulation.

What the New Regulation Does Not Cover

Accurate information is particularly important so that citizens are aware of both their rights and the actual
limits of the protection provided.

The new legislative provision:

does not apply to all forms of private insurance,
does not automatically guarantee the approval of a loan or an insurance application,
does not cover credit agreements secured by a mortgage on real property,
does not cover credit intended for the purchase or retention of rights in real estate,

does not cover professional or business loans, as the law applies to consumers acting outside the
scope of their professional or business activities.

Furthermore, consumer credit agreements already in effect as of November 20, 2026, will, as a general rule, continue to be governed by the previous legal framework until their expiration.
Therefore, the new regulation represents a very important step, but it does not yet provide comprehensive coverage of all the financial and insurance needs of survivors.

From Voluntary Commitment to Legal Enshrinement

The Right to Be Forgotten did not first appear in Greece in 2026. As of March 26, 2024, the Code of Ethics of the Hellenic Association of Insurance Companies has been in effect, to which life insurance companies had adhered.

The Code applied to life insurance policies linked to mortgage, business, or consumer loans, with a maximum total insured amount of 300,000 euros. It provided for a ten-year period following the completion of treatment for those diagnosed as adults and a five-year period for those diagnosed before
turning 18.

The new legislation is particularly significant because protection is no longer based exclusively on the insurance industry’s voluntary commitment. For contracts falling within its scope, the failure to use the oncological diagnosis after the five-year period becomes a legal obligation.

At the same time, there is a need to clarify the relationship between the new law and the existing Code, particularly with regard to mortgage and business loans that are not subject to the new legislative provision.

Additional Safeguards for Consumers

Article 16 includes other important safeguards. When insurance is required for the granting of credit, the creditor must accept equivalent insurance coverage from an insurance company of the consumer’s choice. Choosing a different company must not result in less favorable credit terms.

At the same time, the consumer is given a period of at least three business days to compare insurance quotes, unless the consumer requests in writing that the contract be concluded earlier.

The European Dimension

The Greek regulation transposes Directive (EU) 2023/2225 on consumer credit agreements. The European
Directive requires Member States to establish a time limit beyond which data related to oncological
diagnoses may not be used for insurance policies linked to credit agreements. The European text stipulated that this period must not exceed fifteen years; Greece opted for the significantly shorter period of five years.

This choice has particular social significance. It recognizes that advances in oncology, increased survival rates, and people’s return to family, social, and professional life must be accompanied by corresponding
developments in the law.

When Does It Take Ef ect?

Although Law No. 5317/2026 has already been published, the provisions of Part A, which include the
Right to Be Forgotten, will take effect on November 20, 2026.
Until then, substantial preparation is required on the part of banks, insurance companies, and the relevant
authorities. Clear procedures, understandable information for citizens, appropriate staff training, and an
easily accessible mechanism for submitting reports or complaints are needed.

A Significant Achievement—Not the End of the Journey

The Right to Be Forgotten represents a significant institutional victory for dignity and equality. Cancer
should not be a lifelong social and economic stigma. A person’s medical history should not negate their
right to plan for the future, participate equally in society, and make a fresh start.
At the same time, the new regulation must be viewed as a starting point, not the culmination of our
efforts. The next step must be to extend meaningful protection to more insurance and financial products,
including housing needs, as well as to address the discrimination that continues to occur in the workplace
and other aspects of social life.
Scientific progress has transformed cancer from a terminal diagnosis into an experience of life and
survival for millions of people. Society and the law must follow suit.

Because the Right to Be Forgotten is not a privilege. It is every person’s right not to remain forever
trapped by a past diagnosis—and to move forward into the future without discrimination, without
stigma, and with dignity.

Find more : http://elib.aade.gr/elib/view?

“Myrto” under Scientific Evaluation: Transparency, Evidence and Human Oversight in Social Navigation for Oncology Patients

The first closed scientific testing workshop of the Digital Health and Social Rights Navigator has been completed

Athens, 6 July 2026

The first closed scientific testing and evaluation workshop of “Myrto”, the Digital Health and Social Rights Navigator developed by the Cancer Patient Guidance Centre – Kapa3, was successfully completed.

The workshop was organised by the Cancer Patient Guidance Centre – Kapa3, with the support of René Descartes – Cnam College and the participation of SimasiaAI. It functioned as a dynamic scientific co-design workshop, bringing together specialised professionals from the fields of healthcare, social care, information technology and personal data protection.

The process was closed and strictly experimental in nature and did not constitute a public presentation of a completed product. Its purpose was to evaluate the behaviour of the application through hypothetical and fully anonymised scenarios, to record correct responses and areas requiring improvement, and to use expert feedback for the next phase of development.

The project “Myrto – Health and Social Rights Navigator” is being developed as a knowledge-based digital social navigation system, guided by the principles of explainable, transparent and human-centred Artificial Intelligence.

Its aim is to transform complex legal, administrative and social information into clear, evidence-based and practically useful guidance for oncology patients, caregivers and citizens.

“Myrto” does not replace professional social, legal, medical or clinical judgement. It operates as a supportive information and navigation tool, with clearly defined functional boundaries, human oversight and the possibility of referral to the competent services and professionals of Kapa3.

The programme is implemented with the support of the TIMA Charitable Foundation.

From Information to Understandable Knowledge

During the workshop, the need that led to the creation of “Myrto” was presented, along with the real barriers faced by patients and caregivers when seeking information on social rights, benefits and administrative procedures.

Particular emphasis was placed on addressing digital and informational exclusion. “Myrto” is designed to transform fragmented and often difficult-to-understand information into simple, structured and comprehensible guidance.

A Thematically Specialised and Curated Knowledge Base

The project’s technical partner, SimasiaAI, presented the operation of the application and the architecture used for information retrieval and synthesis.

“Myrto” uses a hybrid search mechanism that combines text retrieval and semantic search techniques, with the aim of identifying the information most relevant to the user’s question. The application operates on a thematically specialised and curated knowledge base.

A central element of its design is the traceability of information, namely the ability to link an answer to the source on which it is based. The use of validated sources reduces the risk of unsupported responses and enables the identification, review and correction of issues through a process of continuous maintenance, regular updating and adaptation to evolving guidelines and regulatory requirements.

Explainability and Human-Understandable Answers

The evaluation did not focus only on whether “Myrto” retrieves the correct information, but also on whether it can present that information in a clear, understandable and conceptually coherent way.

This approach strengthens trust, responsible use of the tool and the meaningful empowerment of citizens through a response-generation system that supports a transparent, evidence-based and human-supervised knowledge ecosystem, in which every piece of information is understandable, verifiable and connected to its source.

Data Protection and Compliance by Design

Personal data protection and regulatory compliance are embedded from the design stage of the application, in accordance with the principles of data protection by default and by design.

During the workshop, only hypothetical or fully anonymised cases were used. Particular emphasis was placed on the principles of data minimisation, anonymisation and secure processing. These principles are directly linked to contemporary requirements for the responsible development of Artificial Intelligence systems, the protection of special categories of data and compliance with the European regulatory framework.

Live Testing of Hypothetical Scenarios

The professionals who participated in the workshop tested the application individually and in small groups, using only hypothetical and fully anonymised cases. The testing was based on an approach that evaluated the behaviour of the system, examining not only whether the final answer was correct, but also whether the overall operation of the application was safe, understandable and appropriate for the specific request.

Disability Certification through KEPA

In one of the key scenarios, “Myrto” was asked to guide a hypothetical patient who did not know how to start the disability certification procedure through KEPA. The system retrieved the main steps of the process, organised the information in an understandable format and provided relevant references to the sources.

Participants evaluated:

the accuracy of the information,
the completeness of the steps,
the clarity of the language,
and the practical usefulness of the answer.

Travel from the Region for Treatment

In a second scenario, the case of an oncology patient who needed to travel from the region to another location for treatment was examined. The application identified relevant categories of socioeconomic support and benefits and presented possible next steps to the user.

The test allowed participants to assess:

the correct identification of the request,
the connection between different rights and benefits,
the completeness of the sources,
and the possibility of referral to the appropriate services.

At the same time, cases were also examined in which:

the question was unclear or incomplete,
the user did not know which right or benefit to look for,
clarifying questions were required,
medical or personalised legal advice was requested,
or immediate human intervention was necessary.

A Continuous Cycle of Scientific Feedback

The meeting concluded with a discussion of the testing results, a review of the technical logs and the presentation of key usage statistics for the application.

The participants’ observations are not treated as isolated comments, but as structured scientific feedback for improvement. In this way, a closed cycle of learning and feedback is created, in which technology, scientific knowledge and the experience of professionals interact continuously.

The continuous involvement of experts and the integration of structured feedback are considered critical for strengthening transparency, reliability and trust in Artificial Intelligence systems used in sensitive fields.

The Interdisciplinary Project Team

The development, scientific documentation and regulatory compliance of “Myrto” are supported by an interdisciplinary team from the fields of health services administration, information technology, personal data protection, language technology and software development. The workshop was attended by:

Evangeli Bista, Co-founder of Kapa3 and Head of Strategic Partnerships; Aristea Archontidou, Industrial Informatics Engineer with postgraduate specialisation in Health Policy and Health Services Planning; Anastasia Vlachopoulou, lawyer and member of the Thessaloniki Bar Association, specialised in personal data protection; Dimitris Papadakis, Co-founder and Sales Manager at SimasiaAI and Project Manager of the “Myrto” project; and Giannis Barous, Co-founder and CTO of SimasiaAI, PhD candidate in Computer Science based in San Francisco, who has undertaken the technical component of the project: how the system identifies the right information, how it connects it with reliable sources and how it provides answers that are evidence-based, useful and safe.

About Kapa3

The Cancer Patient Guidance Centre – Kapa3 is a social support, information and navigation organisation for oncology patients, survivors, caregivers and their families. Its aim is to contribute to equal access to oncology care, social protection and the rights associated with the cancer experience.

Every day, Kapa3 supports people who face not only the disease itself, but also a range of practical, administrative, social and psychosocial challenges. Through personalised social guidance, the organisation helps patients and caregivers learn about their rights, understand available benefits and services, navigate administrative procedures and connect with appropriate support structures.

The main pillars of Kapa3’s work include information on social and insurance rights, support in accessing health and social care services, guidance on benefits and procedures, empowerment of patients and caregivers, and connection with professionals, organisations and communities.

As part of its digital strategy, Kapa3 develops digital empowerment and social navigation tools, such as “Myrto”, the Digital Health and Social Rights Navigator. “Myrto” is designed to transform complex legal, administrative and social information into clear and evidence-based guidance for oncology patients, caregivers and citizens, always with human oversight, transparency and respect for the limits of technology.

Kapa3’s philosophy is based on the principle that care is not limited to medical treatment. It includes access to information, social protection, psychosocial support, dignity, empowerment and the ability of every person to know and claim their rights.

Through collaborations with health and social care professionals, academic and research institutions, civil society organisations, public structures, volunteers and communities, Kapa3 seeks to build bridges between the patient, information, services and real access.