If you’re an expat moving to Cyprus, understanding the Cyprus healthcare system is crucial. Most foreigners choose between GESY (General Healthcare System) and private health insurance — or combine them. Your choice will affect not only your healthcare costs but also your access to doctors, waiting times, and quality of service.
As one of Cyprus’s leading insurance brokers, Nicos Rossos Insurance Brokers helps expats compare private health insurance to GESY, to find the best fit for their needs.
Table of Contents
What is GESY and How Does it Work for Expats?
The Cyprus General Healthcare System was launched in 2019 to give all legal residents — including expats — affordable access to healthcare.
GESY coverage includes:
- Doctor visits (General Practitioner)
- Specialist consultations (with referral)
- Hospitalisation and surgeries
- Diagnostics and lab tests
- Prescriptions
- Preventive services
- Limited dental care
GESY cost
Employees contribute 2.65% of their gross salary, matched by employers; self-employed and retirees also contribute. Co-payments for visits or prescriptions are minimal (€1–€6).
Benefits of GESY
- Low, predictable costs
- Access to essential healthcare services
- Network includes public hospitals and many doctors
Limitations of GESY
- Basic coverage
- Longer waiting times
- No private room
- Not all private medical facilities participate
- Requires GP referral forspecialist care
Private Health Insurance
Private insurance provides expats with faster, more flexible healthcare. Policies are available from local and international providers, with options for European or worldwide coverage.
Benefits of private health insurance in Cyprus:
- No waiting times
- Freedom to choose any doctor or hospital
- Access to top-tier private clinics and hospitals
- International treatment options — ideal for frequent travelers
- Tailored coverage for inpatient, outpatient, maternity, dental, and wellness care
Costs
Premiums range from €50/month for basic local cover for young adults to €300+/month for comprehensive international plans such as Bupa, AXA, Allianz etc.
Drawbacks
- Higher costs, especially for older expats
Which is Better for Expats in Cyprus?
The right choice depends on:
- Budget: GESY is more affordable; private insurance offers premium services.
- Healthcare Needs: Chronic conditions may fit well with GESY; urgent or specialist-focused care benefits from private coverage.
- Lifestyle: If you travel often, private insurance with international coverage is valuable.
The Hybrid Approach: GESY + Private Insurance
Many expats choose both:
- GESY for routine GP visits, prescriptions, and public hospital care.
- Private insurance for faster access, private rooms, and overseas treatment.
This approach combines cost control with flexibility and high-quality care.
Why contact Nicos Rossos Insurance Brokers?
We’ve been helping expats secure the best health insurance in Cyprus for over 30 years. Our expertise covers:
- Access to both local and international insurers
- Compare policies from multiple insurers
- Tailored solutions for individuals, families, and companies
- Personalised approach to each customer
With us, you get unbiased advice, clear explanations, and ongoing support — ensuring you’re covered in Cyprus and beyond.