Category F Health Insurance Cyprus: CRMD-Accepted Cover for Your Permanent Residence Application
Private medical insurance for your Form M.67 packet. Same-business-day certificate, from €120/year, accepted by the Civil Registry & Migration Department for retirees and financially independent non-EU applicants.
A valid private health insurance certificate is part of the Category F application packet for every non-EU applicant who isn't yet registered with GESY. The Civil Registry & Migration Department lists it as a required document on Form M.67.
Why DigiCare
Why Category F applicants choose DigiCare
5 to 7 year wait, one broker
The February 2026 Auditor-General of the Republic of Cyprus report shows the CRMD is still working through Category F files submitted in 2019 and 2020. Your annual policy renews with us the whole time, at the price we quoted you on day one wherever the underwriter lets us hold it.
CRMD documentary fit
We issue the certificate in the format the M.67 packet accepts: applicant and named dependants, inpatient and outpatient care, repatriation, with the Cyprus-licensed insurer named on the face of the document.
Same business day
Confirm your details online and we email your certificate the same business day. You attach the PDF directly to your Form M.67 packet. No queue, no courier.
3-language support
We speak English, Russian, and Greek. Every quote, every renewal email, every certificate in the language you actually use at home.
What is Category F health insurance, and who issues it?
Category F health insurance is a private medical policy that non-EU nationals applying for a Cyprus Permanent Residence Permit must include in their Form M.67 packet. It's issued by a Cyprus-licensed insurer and accepted by the Civil Registry & Migration Department.
I get this question every week, usually from retirees who've just landed in Limassol with a stack of paperwork that's three inches thick. The health certificate isn't a 'nice to have.' It sits on the CRMD's documentary checklist for the Form M.67 application packet, right next to the income proof, the accommodation contract, and the apostilled criminal record. The legal foundation is Regulation 5(f) of the Aliens and Immigration Regulations, made under the Aliens and Immigration Law (Cap. 105). The Council of Ministers grants the permit. The CRMD is the office that reviews your file. The policy must cover the applicant and every named dependant, and it has to be issued by an insurer licensed in Cyprus. Your home-country private insurance doesn't qualify, no matter how comprehensive it looks on paper.
For the eligibility side of the picture, see the underlying Category F visa explained in the retiree guide.
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Start my quoteWho needs Category F health insurance?
Category F insurance is for non-EU nationals applying for a Cyprus Permanent Residence Permit with secure annual income from abroad. That's primarily retirees, pensioners, and passive-income recipients with at least €9,568 a year for the main applicant and €4,613 a year per dependant.
Income from abroad
At least €9,568 per year from outside Cyprus for the main applicant.
Per-dependant top-up
Plus €4,613 per year for each dependant (spouse and children under 18).
No Cyprus employment
You cannot be employed in Cyprus on Category F. You can be a director or shareholder of a Cyprus company and draw dividends.
Accommodation
A Cyprus rental contract or property purchase, in your name.
Clean record
Apostilled criminal record from your country of origin, usually refreshed every three years.
Not Category F? Try the right route.
What insurance does the CRMD accept for Category F applications?
The Civil Registry & Migration Department accepts a private health insurance certificate issued by a Cyprus-licensed insurer that covers the applicant and every named dependant for inpatient and outpatient care during their Cyprus stay, with repatriation of remains included as market-standard.
I'll be honest with you here. The CRMD doesn't publish line-item coverage minimums anywhere on its public pages. What we work from is what every immigration officer at the Nicosia and Limassol district units has accepted for the last decade, and what every Cyprus-licensed insurer writes into a Plan-A-equivalent policy.
CRMD-fit certificate checklist
Issued by a Cyprus-licensed insurer (not your home-country insurer, not a travel insurer)
Covers inpatient and outpatient care in Cyprus
Covers repatriation of remains (the market-standard line every CRMD-accepted policy carries)
Names every dependant individually, with date of birth and passport number on the certificate face
Specific line-item amounts (inpatient cap, outpatient cap, reimbursement percentage) are market practice rather than statute. The Cyprus-licensed insurers we place policies with hit the same internal benchmarks the CRMD has accepted for years. We don't quote those numbers as if they were law, because they aren't, and Cap. 105 doesn't publish them.
HOW IT WORKS
How to attach your health insurance certificate to Form M.67
Most retirees I work with assume the certificate is the last thing they attach. It isn't. The CRMD won't accept a 'to be obtained' placeholder, which means the policy needs to be live before you walk into the district immigration unit.
Buy the policy first
Confirm your details, pay, and we email the certificate the same business day. The CRMD will not accept Form M.67 packets that promise the insurance is on its way. The certificate has to be in the folder when you walk in.
Name every dependant
Spouse and each child under 18 go on the same policy, with date of birth and passport number. Get one digit wrong and the certificate has to be re-issued, so triple-check before you sign off. We catch typos on the second pass more often than I'd like to admit.
Include the original certificate in the packet
English is accepted at every district immigration unit. A certified Greek translation is only required if your local CRMD office specifically asks for one. For applications going through Nicosia, English alone is normally fine.
Submit at the district immigration unit
Attach the apostilled criminal record (refreshed within the last three months) and your bank-deposit letter for the €15,000 to €20,000 Cyprus deposit. Pay the €500 application fee plus the €70 Aliens Registration Certificate fee per person.
The application is Form M.67. In some current procedure documents the form is referenced as MIP2. Both refer to the same Category F application packet, just under different internal codes the CRMD has used over the years.
Category F private insurance vs GESY: what changes once the PR card lands?
Private health insurance is mandatory while your Category F application is pending. Once your PR card is issued and you become a legal Cyprus resident, you can register for GESY. Most retirees I work with keep a complementary private policy for shorter waits, private rooms, and second opinions.
While application is pending (Years 1 to 7)
After PR card is issued
The February 2026 Auditor-General of the Republic of Cyprus report shows the CRMD is currently processing Category F applications from 2019 and 2020, which works out to a real wait of 5 to 7 years from submission. Your insurance must remain in force the whole time, which is why we quote and renew you annually rather than treat the certificate as a one-off purchase.
For the public scheme detail, the General Healthcare System (GESY) official site lists eligibility and registration steps.
Family cover, renewals, and the 2-year visit rule
A single Category F policy can cover the main applicant, the spouse, and children under 18. Children re-issue as their own policyholder the year they turn 18 if they want to keep residency on their own application. The policy renews annually while your application is pending and after the card lands.
Annual renewal alongside the application
Your insurance renews every year for as long as your file sits in the CRMD queue, and again every year after your PR card is issued. We send a renewal reminder 30 days before expiry so the cover never lapses while your file is open.
2-year continuous absence cancels the permit
If you leave Cyprus for more than two years in a row, the permanent residency is automatically cancelled, and your policy lapses with it. To keep the permit valid, visit Cyprus at least once every two years.
Children at 18
Adult children lose dependant status the year they turn 18. If they want to stay on Category F, they apply on their own merits with their own income, accommodation, and health certificate. We move them onto their own policy without disturbing yours.
The PR card itself is typically renewed every 5 to 10 years depending on issuance year. Permanent status doesn't expire, only the physical card does.
How much does Category F health insurance cost?
Category F health insurance runs €120 to €300 per adult per year in Cyprus, with retirees over 65 paying toward the higher end. Children under 18 are typically €100 to €150 each. DigiCare's adult floor is from €120/year for a standard occupation.
| Segment | Annual premium |
|---|---|
| Adult under 65 (standard occupation) | from €120/year (DigiCare) |
| Adult 65 to 79 (retiree segment) | €200 to €300 |
| Child under 18 (named on parent's policy) | from €120/year |
NOT insurance: A few costs get confused with the health insurance every week. The €15,000 to €20,000 non-pledged Cyprus bank deposit is part of the Category F financial-means test, not an insurance premium. The €500 government application fee and the €70 Aliens Registration Certificate fee per person are paid to the CRMD, not to DigiCare. We sell the health insurance certificate. The bank deposit and government fees are separate parts of the application bundle.
For seniors aged 80 and over, the underwriting is age-banded and we quote on a case-by-case basis. Send us a date of birth and any pre-existing condition notes, and we'll come back with the firm price.
Your exact premium depends on age, pre-existing conditions, and which Cyprus-licensed insurer we place the policy with. We're an independent broker, which means we match the cheapest compliant policy to your profile rather than push one carrier's price.
FAQ
Frequently asked questions
Get your Category F health insurance certificate today
Same business day. From €120/year. Accepted at every Cyprus district immigration unit for your Form M.67 packet. We've placed immigration cover on the island for 47 years.
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