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Cyprus Health Insurance for Expats

Cyprus health insurance for expats: Understand the local system and how international coverage ensures quality healthcare across the island.

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International Health Insurance for Expats in Cyprus

Whether you are planning on visiting or are living in Cyprus, getting the right private international health insurance policy can help cover medical costs while you’re there. Pacific Prime can help you find the ideal plan for your needs and budget.

Click below to get a free quote or continue reading to find out more about health insurance in Cyprus.

Recommended International Health Insurance Plans for Expatriates Living in Cyprus

Allianz Care Health Insurance

  • World-leading Health Insurance Provider for Expats
  • Extensive Network With Over 1.9 Million Medical Providers
  • Quick and Efficient Claims Process
  • Maximum Plan benefit up to USD $5,000,000
Plan Details

Cigna Global Insurance Plan

  • Worldwide Coverage (excluding the US)
  • Access to Cigna's trusted network of hospitals and doctors
  • Numerous Deductible Options
  • 24/7 Customer Support
  • 4 Core Insurance Plans
Plan Details

Healthcare in Cyprus

Cyprus offers high-quality healthcare, meeting EU standards. No pre-entry vaccinations are required. Most medical professionals train abroad (UK/USA), ensuring top-tier treatment. The system is trusted by locals and foreigners seeking medical care.

Cyprus provides free government healthcare to eligible persons: government employees, families with 3+ children, and certain income brackets. The public system covers a significant portion of healthcare services at no cost to qualifying individuals. 

All workers in Cyprus must register for social insurance, regardless of nationality or stay duration. Registration at the district labor office grants a Cyprus medical card. Benefits are based on household income, with two card types available.

Public vs. Private Services

Generally, the healthcare system in Cyprus is run as a mixture of both public and private services, with many individuals in the country opting to obtain private health insurance coverage. 

This is because individuals who have a yearly income of more than EUR €37,590 have to pay for their medical treatment, and despite the extensive government regulations in place with regard to healthcare costs, treatment prices can often be more expensive than the average person can handle.

In addition to covering the costs of treatment at private medical facilities, medical insurance in Cyprus allows policyholders faster access to treatment at better hospitals than national insurance. This is key when the Cypriot healthcare scheme is closely examined. 

Despite the overall high levels of excellence associated with public healthcare services, the long wait times and a large amount of fragmentation between the various government departments mean that the overall provision of services is lacking.

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Best International Insurance Providers for Cyprus

When moving to Cyprus, securing comprehensive health insurance is crucial for expats to access quality healthcare. Several top international insurers, available through brokers like Pacific Prime, offer tailored plans suitable for expatriates. 

Here are some of the best options:

Cigna

Cigna offers flexible, modular plans that allow expats to tailor their coverage to fit their lifestyle. Their Core Cover includes hospitalization, surgery, and cancer treatment, with optional modules for outpatient care, vision, dental, and emergency evacuation.

Cigna's network spans globally, providing access to trusted healthcare providers worldwide. They also offer digital tools for easy claims submission, virtual consultations, and multilingual customer service, ensuring convenience and support for expats.

These features make Cigna ideal for individuals and families. Their customizable plans allow expats to select the coverage they need, making Cigna a reliable choice for international health insurance in Cyprus.

  • Hospitalization
  • Inpatient and daypatient treatments
  • Cancer treatments
  • Physiotherapy
  • Accidental death or total permanent disability compensation
Plan Details

Allianz

Allianz offers a variety of international health insurance plans to meet diverse needs and budgets. Their Essential Plan covers inpatient treatment, hospital accommodation, and emergency services, providing reliable basic coverage.

For enhanced protection, the Classic and Premier Plans include outpatient care, preventive health checks, dental, and maternity benefits. Allianz has a global network of over 1.9 million healthcare providers, ensuring high-quality medical care worldwide.

Their efficient claims process includes online submission and direct billing with network providers, reducing out-of-pocket expenses. Allianz's comprehensive and flexible plans cater to expats looking for reliable healthcare solutions abroad.

  • Inpatient costs
  • Diagnostics and laboratory tests
  • Surgeries
  • Ambulances transport
  • Cancer treatment
Plan Details

AXA

AXA is known for its extensive international reach and robust health insurance plans. Their coverage options include Foundation, Standard, Comprehensive, Prestige, and Prestige Plus Plans, each varying in levels for inpatient, outpatient, dental, vision, and wellness care.

Expats benefit from AXA's Virtual Doctor Service, offering 24/7 remote medical consultations. AXA's global network provides access to top-tier hospitals and clinics worldwide, ensuring quality healthcare wherever you travel.

They also offer 24/7 multilingual customer support for claims and medical inquiries. With flexible coverage suitable for both short-term and long-term expats, AXA is a dependable choice for international health insurance in Cyprus.

  • Hospital charges and surgery
  • Virtual doctor service
  • Mind health service
  • Emergency coverage
  • Medical evacuation and repatriation
  • Wide range of cancer treatment
  • Ambulance transport
  • CT, PET and MRI scans
Plan Details

GeoBlue

GeoBlue specializes in providing international health insurance for expats, offering plans that include comprehensive medical coverage, emergency evacuation, and wellness benefits. Their policies are underwritten by Blue Cross Blue Shield, ensuring reliable global support.

GeoBlue's plans offer access to an extensive network of doctors and hospitals worldwide. They also provide telemedicine services, second medical opinions, and 24/7 customer assistance. Expats can benefit from seamless claims processing and direct billing with in-network providers.

GeoBlue’s focus on international healthcare, combined with their reputable global network, makes them a preferred option for expats looking to secure quality health insurance in Cyprus.

  • Diagnostic lab work and X-rays
  • Surgery
  • Inpatient medical emergencies
  • Emergency evacuation and repatriation
  • Yearly physicals
Plan Details

Is the EHIC Card Valid in Cyprus? 

EU citizens residing in Cyprus for three months or less are eligible for free state healthcare with a valid European Health Insurance Card (EHIC). In Cyprus, the EHIC card is only valid for state-provided services, which means it won’t cover private hospitals or treatments. Conversely, EU citizens residing in the country permanently can get a Cyprus Medical Card if they meet the requirements.

Non-EU citizens, on the contrary, cannot enjoy free healthcare and should take out private health insurance to access a wider variety of hospitals and facilities, and to skip the public sector's occasionally long waiting lists.

How Expats Can Stay Covered Outside Cyprus

The only way to protect yourself anywhere in the world is with a quality international health insurance plan. Plans that we can provide are typically guaranteed renewable for life and globally portable, which gives you the assurance that no matter what happens, anywhere around the globe, you and your loved ones will always have access to the quality treatments that you deserve. 

Our international health insurance in Cyprus can provide you with several additional coverage options, including benefits for outpatient treatment, dental and maternity coverage, alternative therapies, specialist consultations, complementary medicines, and emergency evacuation coverage.

How Much is Health Insurance in Cyprus?

The cost of health insurance in Cyprus depends on several factors such as your health, age, and benefit requirements. To find out more about the average cost of health insurance for individuals and families across the globe, download our Cost of Health Insurance Report 2024 for free.

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Facts to Consider when Picking Insurance in Cyprus

When choosing health insurance in Cyprus, expats should first consider the level of coverage needed. Public healthcare is available but may not meet international standards, so many opt for private insurance. Evaluate if you require inpatient, outpatient, dental, or maternity coverage.

Check the network of medical providers associated with the insurer. Choosing a policy with direct billing options reduces out-of-pocket expenses. Ensure that your preferred hospitals and clinics are included in the insurer's network for seamless healthcare access.

Consider international coverage if you travel frequently. Some insurers offer worldwide plans, which are essential if you need medical care outside Cyprus. This is particularly useful for expats who visit their home countries or travel for work.

Emergency medical evacuation is another important factor. Cyprus has limited specialised medical facilities, so choosing a plan with evacuation coverage ensures access to advanced treatment abroad in case of severe illness or injury.

Lastly, review the claims process and customer support services. Efficient claims handling and 24/7 assistance make managing medical expenses easier. Opt for insurers with digital tools for claims submission and policy management for added convenience.

Health and Safety Tips for Travelers in Cyprus

Travelers in Cyprus should be cautious of extreme heat during summer. Dehydration and heatstroke are common, so drink plenty of water, wear sunscreen, and avoid prolonged sun exposure. Pack light, breathable clothing to stay cool.

Road safety is another concern. While driving standards are generally high, be cautious on rural roads. Always wear seatbelts and avoid using mobile phones while driving. It's advisable to have comprehensive car insurance when renting a vehicle.

Food and water safety are generally good, but it's still recommended to drink bottled water, especially in remote areas. Be cautious with street food and ensure meals are cooked thoroughly to avoid foodborne illnesses.

Insect bites can be a nuisance, particularly mosquitoes. While there's no significant risk of malaria, using insect repellent and sleeping under mosquito nets can help prevent bites and other insect-related diseases.

Cyprus is a safe travel destination with low crime rates, but petty theft can occur. Keep your belongings secure and avoid carrying large amounts of cash. Emergency numbers in Cyprus are 112 or 199 for police, ambulance, and fire services.

Health insurance is crucial for expats and travelers. Although healthcare standards are high, private medical care can be costly. Comprehensive insurance ensures access to quality care without significant financial burden.

Start by Comparing Insurance Plans Online

Compare Between 50,000 International Health Insurance Plan Options.

Frequently Asked Questions

What is the cost of health insurance in Cyprus for expats?

The cost of health insurance in Cyprus varies depending on age, coverage level, and pre-existing conditions. On average, expats can expect to pay between €80 and €300 per month for comprehensive international plans.

Do I need health insurance to live in Cyprus?

Yes, health insurance is required for expats living in Cyprus on long-term visas. While public healthcare is available, many expats opt for private insurance to access better medical facilities and faster services.

Are pre-existing conditions covered by expat insurance in Cyprus?

Coverage for pre-existing conditions depends on the insurer and policy. Some international plans offer limited coverage or waiting periods, while others may exclude them entirely. Check policy details carefully.

How to Find the Best Private Health Insurance in Cyprus

Private healthcare in Cyprus offers shorter wait times, English-speaking doctors, and modern facilities.

Since many treatments cannot be provided in the hospitals in Cyprus, it is advisable to take out an international health insurance plan which will cover your medical evacuation and hospitalization.

Pacific Prime is a one-stop insurance brokerage service provider for you when traveling to Cyprus. We offer a wide range of policies to meet your individual needs, including benefits such as dental, maternity, inpatient, outpatient, dental, specialist consultations, and many others. 

Similarly, we provide a large variety of healthcare plans from top health insurance companies, as well as comprehensive travel insurance plans. Contact our professional advisers today to enjoy full insurance protection for yourself and your family.

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