Private Health Insurance in Cyprus

Is private health insurance the same as immigration medical insurance?

No. They are two different products. Private health insurance pays for treatment in private hospitals on top of GeSY. Immigration medical insurance, usually called Plan A, is the certificate a Cyprus residence permit asks for.

If a residence permit is why you are here, immigration medical insurance in Cyprus is the page you need. The rest of this page is about private cover.

Do I need private health insurance if I have GeSY?

No law requires it. GeSY, the General Healthcare System, covers everyone who contributes to it. Private health insurance is voluntary cover you add for shorter waits, the private hospital and specialist you choose, and a cash benefit when GeSY pays for your stay. Most people who buy it keep using GeSY as well.

GeSY started outpatient care on 1 June 2019 and inpatient care on 1 June 2020. Contributions are 2.65% for employees, 2.90% for employers and 4.00% for the self-employed, on income up to €180,000 a year. Co-payments are capped at €150 a year, or €75 for children under 21, low-income pensioners and recipients of the Guaranteed Minimum Income, and no co-payment applies to inpatient care.

For the public side in full, read our complete guide to GeSY in Cyprus. Before you buy, check what GeSY does not cover, or see the private health insurance vs GeSY comparison.

How much is private health insurance in Cyprus?

On DCare rates checked on 16 October 2026, a Cyprus resident with a €350 excess pays €606 a year on Core at age 30, €846 at 45, €1,238 at 60 and €3,317 at 70. Age, plan and excess move the price most. The figures come from the DCare quote engine.

DCare annual premium in euro, Cyprus resident, €350 excess, worldwide excluding the USA, including the €36 policy fee. Rates checked 16 October 2026 on the DCare quote engine.

The same Core plan at age 30, three other ways

Four things set your premium

Adding a child aged 19 or under to a Core policy with a €350 excess costs €272 a year, and the €36 policy fee is charged once per policy, not per person. A new policy has to start before your 80th birthday; at 79, Core costs €5,778 a year.

This is a worked example on four ages, not the full price list. For every age from 0 to 79 and all seven excess levels, see the DCare health insurance prices and plans page.

On tax: whether private health insurance premiums reduce your income tax in Cyprus depends on the current tax rules and your own circumstances. Check with a tax adviser before you count on it.

Which health insurance companies can you buy from in Cyprus?

Cyprus residents choose between plans sold locally, from Cyprus insurers or EU insurers distributed in Cyprus, and international plans from global insurers. DCare is the one we can price and sell online. There is no single best insurer; the right plan depends on your age, budget and where you want treatment.

Local plan or international plan?

We are an independent insurance agency, so we compare both sides and recommend what fits your age, budget and plans.

What do DCare's six plans cover?

Every DCare plan covers in-patient treatment, surgery and cancer treatment in a private room, after your excess, up to an annual maximum of €1,000,000 on Basic and €3,000,000 on Prime. The higher plans add out-patient consultations, physiotherapy, maternity and a longer hospital cash benefit.

Classic Plus and Prime Plus add routine dental care (up to €500 and €1,000 a year) and optical care (up to €100 and €150 a year), after a 3-month waiting period.

Limits from the DCare policy wording EU/SI/04/26, Part II, pages 8 to 15, and confirmed in each plan's 2026 IPID (the insurer's product information document). Amounts apply after your excess where one applies.

How fast does DigiCare respond, and who handles the claim?

Our own service standard for DCare: we respond within 1 to 2 hours after your application reaches us, process it within 1 working day, and handle your claim submission within 48 hours. The insurer assesses and pays the claim; our job is to get it to them complete and quickly.

Who should buy private health insurance in Cyprus?

Private cover matters most for people GeSY does not fully serve yet, or who want faster private care: expats before GeSY registration, families planning a pregnancy, people over 60, and employers offering staff benefits.

How do I choose a private health plan in Cyprus?

Decide where you want treatment, pick the plan level, set an excess you could pay on a claim, declare your medical history, then compare prices for your exact age. The DCare calculator shows all six plans for your age in about 2 minutes.

Still deciding? Read how pre-existing conditions are treated, whether private health insurance is worth it in Cyprus, and the cheapest way to get private cover.

Costas Matheou — Co-founder and licensed insurance agent, DigiCare Insurance, Paphos, Cyprus

Last reviewed: 16 October 2026

Licensed Cyprus insurance agency, ICCS licence 2451

We re-check DCare rates against the insurer's quote engine and update this page when they move.