Private Health Insurance for Expats in Cyprus
Compare local and international private health plans. One form, quotes from multiple insurers, in your language.
Need Plan A for your residence permit? From €150/year. Get Plan A here
Why DigiCare
Why expats choose DigiCare for private health insurance
Compare & Save
We put plans from local and international insurers next to each other so you can actually see what you’re getting. Prices, coverage limits, what’s excluded. No guesswork before you decide.
Fast Setup
One online form is all we need. We’ll get back to you with quotes within 24 hours, and most clients have their policy documents that same week.
Bundle Discounts
Already need car or home insurance too? Combine them with your health cover and you can save 10-20% on the package. We keep everything under one roof.
3-Language Support
English, Russian, Greek. Documents, phone calls, claim follow-ups, all in whichever language you’re most comfortable with.
Do you need private health insurance in Cyprus?
If you’re living in Cyprus and registered with GESY, you already have basic public healthcare. So why do so many expats add private cover on top? Honestly, the same few reasons keep coming up when I talk to new clients.
Fill the GESY gaps
GESY doesn’t cover dental work beyond emergencies, and optical is out too. It also won’t pay for treatment outside Cyprus. For a lot of expats, those are exactly the things they want covered.
Skip the waiting lists
Getting a specialist appointment through GESY can take two to four weeks. With a private plan, you’re usually seen within days. I’ve had clients tell me that alone was worth the premium.
English-speaking doctors
Finding a GP who speaks fluent English through GESY can be hit or miss, depending on your area. Private networks give you a wider pool to choose from, which matters when you’re trying to explain symptoms in your second language.
Looking for mandatory immigration insurance (Plan A)? That’s a separate, cheaper policy. From €150/year. Get Plan A here
How much does private health insurance cost in Cyprus?
We get this question more than any other. The honest answer: it depends on your age, what you want covered, and whether you go with a local or international plan. But here’s a ballpark based on what our clients actually pay.
| Feature | Local Private | International |
|---|---|---|
| Annual cost (age 35) | €300-720 | €580-2,100 |
| Annual limit | €100K-500K | €300K-6M |
| Inpatient | Yes | Yes (100%) |
| Outpatient | Varies by plan | Yes |
| Dental | Add-on | Premium tiers |
| Private hospitals | Cyprus only | Worldwide |
| Treatment abroad | No | Yes |
Need immigration insurance? Plan A starts from €150/year. It’s a separate policy for your residence permit. Get Plan A here
Premiums shown are indicative figures based on broker market data for 2024-2025. Actual rates depend on your age, health history, chosen insurer, and coverage level.
GESY vs private health insurance: what’s the difference?
Every employee and self-employed person in Cyprus contributes to GESY. Employees pay 2.65% of gross salary, self-employed pay 4%, capped at earnings of €180,000. It works, and it covers the basics. But there are some clear gaps.
| Feature | GESY (Public) | Private Insurance |
|---|---|---|
| Cost | 2.65-4% of salary | €300-5,000/year |
| Specialist wait | 2-4 weeks | Days |
| Hospital choice | Public + participating private | All private hospitals |
| Dental | Basic/emergency only | Add-on available |
| Treatment abroad | No | Yes (international plans) |
| English-speaking GPs | Limited availability | Wider choice |
| Co-pays | €6 with referral, €25 without | Depends on plan |
Here’s what most of our expat clients actually do: they keep GESY and add private cover on top. GESY costs you nothing beyond the salary contribution you’re already making, so dropping it doesn’t save you anything. The private plan just means you get seen faster and have more hospitals to choose from.
Private health insurance premiums are tax-deductible in Cyprus up to 2% of taxable income (increased from 1.5% in 2024). If you’re self-employed or your employer doesn’t offer group cover, that’s a genuine saving worth factoring in.
Want the full breakdown? Read our detailed guide to health insurance for expats in Cyprus. Read the full guide →
HOW IT WORKS
How to get private health insurance in Cyprus
Tell us about yourself
Fill in our online form with your age, nationality, family size, and what kind of coverage you’re after. Takes about 2 minutes.
We compare plans
We pull quotes from local insurers like CNP Cyprialife, Eurolife, and GAN Direct, plus international providers like Cigna, Allianz, and Bupa. Then we lay them out side by side so you can see exactly what each one offers.
Get covered
Pick the plan that works for you. We handle the paperwork and email your policy documents. Most clients are fully covered within a week.
Who benefits from private health insurance in Cyprus?
Private health cover isn’t something everyone needs. But there are certain situations where it genuinely changes things.
EU and UK retirees
You’ve moved to Cyprus for the weather and the slower pace. GESY gives you a base, but a private plan lets you pick your specialist and avoid the queue. And here’s what comes up a lot with the retirees we work with: they want the option of flying back to the UK or their home country for treatment. Only international plans cover that.
Working professionals
If your employer doesn’t offer group health cover, you’re left with GESY alone unless you sort out your own policy. Annual premiums for a healthy 35-year-old start around €300 for a basic local plan, so it doesn’t have to break the bank.
Digital nomads
Cyprus requires digital nomads to show proof of health insurance when applying for the visa. The minimum income threshold is €3,500 per month. An international plan tends to be the simplest route because it covers you here in Cyprus and wherever else you travel.
Russian-speaking expats
Over 40,000 Russian speakers live in Cyprus, and finding a Russian-speaking doctor through GESY is tough outside Limassol. Private networks have more options. We handle everything in Russian if that’s easier for you.
Business owners
If you run a company in Cyprus, private health insurance for yourself and your employees is tax-deductible. We also put together group health plans for businesses of various sizes. →
FAQ
Frequently asked questions
Find the right private health plan for your life in Cyprus
You’ve seen the options and the prices. Let us do the legwork. Fill in one form, get quotes from multiple insurers, no strings attached.