Private Health Insurance

Most Cyprus residents have access to state healthcare from the General Healthcare System (GHS), also known as GESY (ΓεΣΥ), which is not free. However, healthcare costs are covered through co-payments by the state and through patient contributions.

You don’t have to take out private health insurance in Cyprus, but if you prefer not to wait for GHS treatment, you may find it hard to pay for private medical care without insurance, especially for serious conditions.

We highly recommend having a comprehensive private health insurance cover, which gives you a choice in the level of medical care you get, how and when it is provided and peace of mind that your medical bills will be covered, locally and internationally.

For further information, please contact our sales team.

EHIC gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country.

EHIC is not an alternative to private health insurance:

• It is limited to temporary stays and reserved for unplanned health care.
• Depending on the health charges in effect in the country where you happen to be, the cost of your medical care there will be fully or partly refunded.
• It does not cover any care that you may have planned to undergo in another country.

It is unlikely that your local health insurance in Cyprus will cover you if you fall ill abroad, although naturally this varies between policies.

Even the policies that do provide medical cover abroad, will only pay for emergency treatment and a few days of hospital stay. For a choice of medical practitioner and access to world-class facilities abroad, you need private health insurance.

For further information, please contact our sales team.

Almost all insurance companies offer coverage and support in most countries around the world with certain locations supported via specific regional plans.

For further information, please contact our sales team.

How much you will pay for Cyprus health insurance depends on factors such as age, location, and pre-existing conditions. But most notably, the type of plan you choose will determine the bulk of your out-of-pocket costs.

Private health insurance in Cyprus costs around €150 to €400 per month for a family plan. This figure can vary based on the type of coverage you purchase, the number of people covered, and their age. Premiums usually rise with age since most insurers view older individuals as a greater risk for medical conditions.

For further information, please contact our sales team.

Children can be added to your health insurance policy subject to medical underwriting. They would be subject to their own premium which would be derived from their age, cost of healthcare in the primary country of residence and any special condition that may be applied to the policy.