Medical Insurance in Cyprus for Immigration: Plan A, Pink Slip & Category F. Same-day certificate
For a Cyprus visa or residence permit, non-EU applicants need Plan A medical insurance: a private policy with at least €13,700 inpatient and €1,710 outpatient cover per year, accepted by the Civil Registry & Migration Department for the Pink Slip, work permit, student visa, Category F and MEU2. GeSY and travel insurance are not accepted. Plan A costs €160/year for one adult online, with a same-day digital certificate.
See exactly what the Migration Department checks
Medical Insurance in Cyprus for Immigration: Plan A, Pink Slip & Category F. Same-day certificateMedical Insurance in Cyprus for Immigration:
Plan A, Pink Slip &
Category F. Same-day certificate
For a Cyprus visa or residence permit, non-EU applicants need Plan A medical insurance: a private policy with at least €13,700 inpatient and €1,710 outpatient cover per year, accepted by the Civil Registry & Migration Department for the Pink Slip, work permit, student visa, Category F and MEU2. GeSY and travel insurance are not accepted. Plan A costs €160/year for one adult online, with a same-day digital certificate.
See exactly what the Migration Department checks
Medical Insurance in Cyprus for Immigration:
Plan A, Pink Slip &
Category F. Same-day certificate
See exactly what the Migration Department checks
For a Cyprus visa or residence permit, non-EU applicants need Plan A medical insurance: a private policy with at least €13,700 inpatient and €1,710 outpatient cover per year, accepted by the Civil Registry & Migration Department for the Pink Slip, work permit, student visa, Category F and MEU2. GeSY and travel insurance are not accepted. Plan A costs €160/year for one adult online, with a same-day digital certificate.
Non-EU worker
Anyone on a work permit or seconded contract; the employer must hold cover for the stamping period.
Non-EU student
Required at registration with the District Aliens & Immigration Unit on arrival.
Read the student visa health insurance guideCategory F retiree
Self-sufficient retirees over 60 applying as long-term residents.
Domestic worker
Third-country nationals on a domestic-worker or housekeeper permit.
Family dependent
Every spouse and child on the residence file must appear on the same certificate.
Digital Nomad Visa applicant
Third-country nationals on Cyprus's Digital Nomad Visa need proof of cover too, and the permit document list names Plan A. The €30,000 minimum sits at the entry-visa stage instead. See our guide to the certificate.
Read the Digital Nomad Visa insurance guideNot sure if you need it? Talk to us
Not sure if you need it? Get instant answers from our AI assistant, available 24/7.
Call to AI AssistantEU, EEA or Swiss citizen settling in Cyprus? You register the Yellow Slip (MEU1), not the Pink Slip. See our Yellow Slip insurance for EU citizens.
Employer of a non-EU or domestic worker? You arrange and pay for the worker's cover yourself. See our alien worker medical insurance page for employers.
What does Plan A cover, line by line
Plan A pays 90% of inpatient, outpatient, and emergency costs up to a €13,700 annual ceiling per insured person, plus a €515 maternity benefit and transportation of remains. Cover applies inside the Republic of Cyprus only and runs for a 12-month term.
Plan A is the industry name for the entry-level immigration policy accepted by the Civil Registry & Migration Department. DigiCare arranges Plan A through AKD Insurance, which issues it in Cyprus; SI Insurance (Europe) SA underwrites it. Every line below appears on the certificate you hand in at your CRMD interview, so the clerk can tick the boxes in seconds.
- Daily room and board (regular admission) — €75 per day
- Daily room and board (intensive care) — €170 per day
- Inpatient, per illness or accident — €8,600
- Outpatient, per sickness or accident — €700
- Per medical visit — €20
- Medical diagnostic tests — €175
- Reimbursement rate — 90%
- Geographic cover — Republic of Cyprus only
| Benefit | Cover limit | |
|---|---|---|
Inpatient, per illness or accidentHospitalisation and surgery | €8,600 | Hospitalisation and surgery |
Inpatient, annual capPer insured, per 12-month period | €13,700 | Per insured, per 12-month period |
Daily room and board (regular admission)Standard ward | €75 per day | Standard ward |
Daily room and board (intensive care)ICU | €170 per day | ICU |
Maternity benefit, once-offNatural or caesarean delivery | €515 | Natural or caesarean delivery |
Transportation of remainsTransfer to home country | €3,420 | Transfer to home country |
Outpatient, per sickness or accidentDoctor and clinic visits | €700 | Doctor and clinic visits |
Outpatient, annual capPer insured, per 12-month period | €1,710 | Per insured, per 12-month period |
Per medical visitSingle doctor consultation | €20 | Single doctor consultation |
Medical diagnostic testsLab work and imaging | €175 | Lab work and imaging |
Reimbursement rate10% paid by the employer on foreign-worker contracts | 90% | 10% paid by the employer on foreign-worker contracts |
Geographic coverSchengen and worldwide travel excluded | Republic of Cyprus only | Schengen and worldwide travel excluded |
Plan A reimburses 90% of eligible medical costs; on a foreign-worker contract the remaining 10% is the employer's share. Cover is valid in the Republic of Cyprus only. Schengen and worldwide travel are not covered. Pre-existing diseases and chronic conditions are excluded (see the full list below).
Request a sample policy wordingIf you're already a GeSY (G.H.S.) beneficiary
Being enrolled in the General Healthcare System does not remove the insurance requirement. Every GeSY member still needs cover for transportation of remains, which AKD's GeSY certificate gives for €105 a year: €5,000 death-by-accident cover and a €3,500 transportation-of-remains limit.
What CRMD checks on your certificate
Six things to check on your Plan A certificate before the Migration Department appointment: written for the Cyprus residence permit, every applicant named, inpatient cover, outpatient cover, transportation of remains, and a 12-month term.
The legal basis for the insurance requirement is the Aliens and Immigration Law (Chapter 105 of the Laws of Cyprus), together with the Aliens and Immigration Regulations. Cap. 105 sets no euro cover limits. The limits that apply are the ones printed on DigiCare's full Plan A certificate, issued in Cyprus by AKD Insurance and underwritten by SI Insurance (Europe) SA.
The CRMD checklist requires the exact words "transportation of mortal remains" on the certificate, not just "repatriation", and DigiCare's Plan A certificate carries this wording. The €13,700 inpatient figure you'll see everywhere is market practice, not a legal minimum: Cap. 105 publishes no amounts, and some insurers print €13,750.
Applying from abroad? The entry-visa stage at your consulate is a separate step that needs travel medical insurance with at least €30,000 cover. Plan A is the certificate for the residence-permit stage once you're already in Cyprus.
Cyprus Aliens and Immigration Law (Cap. 105) via cylaw.org; CRMD residence-permit document list via gov.cy/mip-md; EU Migration Portal for the medical-examination companion document; ICLG Corporate Immigration Cyprus 2025 for the legal framework summary.
Written for the Cyprus residence permit
Written for a Migration Department residence application, not a travel or home-country policy. DigiCare's certificate is issued in Cyprus by AKD Insurance and underwritten by SI Insurance (Europe) SA.
Names every applicant
Names you and every family member on the residence application.
Inpatient cover at the market floor
Inpatient hospital cover up to €13,700 per insured per year (€8,600 per illness or accident).
Outpatient care included
Outpatient care up to €1,710 per year (€700 per sickness, €20 per visit, €175 per diagnostic test).
Transportation of remains cover
Transportation of remains cover up to €3,420 (€3,500 if the insured is a GeSY beneficiary).
12-month policy term, 90% reimbursement
90% reimbursement of eligible costs, 12-month policy term aligned to your CRMD interview date.
Do I need blood tests and a chest X-ray for a Cyprus residence permit?
Only for one route. From 1 September 2026, applications for a Cyprus Immigration Permit, Categories A to F, must include original blood tests for Hepatitis B, Hepatitis C, HIV and Syphilis plus an original chest X-ray for tuberculosis, taken in your country of origin or your last country of lawful residence. The Pink Slip, student permit and employment permit are outside this rule.
Original blood tests for Hepatitis B, Hepatitis C, HIV and Syphilis, taken abroad rather than at a clinic in Cyprus.
An original chest X-ray for tuberculosis, issued in your country of origin or in the last country where you lived lawfully.
Certification and legalisation on the originals, not on a scan or a photocopy: an apostille if that country is party to the Hague Apostille Convention, which Cyprus joined in 1972, or consular legalisation through the Cyprus diplomatic mission if it is not.
A bilateral intergovernmental agreement between Cyprus and that country removes the legalisation step. The release does not publish which countries have one, so ask your District Immigration Unit before you pay an apostille fee.
You do not repeat the tests if you already hold a temporary residence permit in the Republic, the required medical examinations were submitted under that permit, and the results are still retained in the relevant administrative file. That clause is the one to read if you are moving from a temporary permit onto an Immigration Permit, so confirm what is on your file before you arrange anything abroad.
This is an immigration-documents rule, not an insurance condition. It changes the paperwork in the envelope, not the cover your policy has to carry. Your Plan A health insurance certificate is a separate document and its requirements are unchanged.
You can read the wording yourself: the Civil Registry and Migration Department announcement of 25 June 2026 sets the 1 September 2026 start date and names the categories in scope.
Get my insurance certificatePlan A Immigration Insurance Cyprus: price by age bracket (2026)
DigiCare's Plan A immigration medical insurance Cyprus costs €160 a year for one adult aged 50 or under online, €150 each for two people and €140 each for three or more, children included. From 51 it rises by age band: €175 at 51 to 65, €210 at 66 to 70 (€200 excess), €245 at 71 to 75, €270 at 76 to 80, €315 at 81 to 84, €430 at 85 and over. Groups of 50 or more start from €120 each, quoted by DigiCare. All tiers include the same CRMD-accepted coverage and a same-day digital certificate.
Most Cyprus agencies and brokers hide their immigration prices behind a quote form. We publish ours because Plan A is a standard product with a flat shape; there is no honest reason to keep it hidden. No fine print on the headline price, no markup for the digital certificate, no medical exam.
- Inpatient €13,700/year
- Outpatient €1,710/year
- Same-day certificate
- Same Plan A cover for each person
- Both aged 50 or under
- Same Plan A cover for each person
- Children pay the same rate
Aged 51 or over: price per person
The €150 and €140 per-person prices apply when every insured is aged 50 or under. Prices may adjust for manual-labour occupations like construction, agriculture, or domestic work, where claim frequency is higher. The form gives you the exact figure in 30 seconds.
How DigiCare prices Plan A immigration insurance
These are our real, published Plan A premiums for Cyprus residence-permit applications, not generic estimates. The table below is the complete rate card we sell from, verified against our policy schedule and kept in sync with the live quote form.
| Age band | Price/year |
|---|---|
| One adult, 50 or under | €160 |
| Two people, 50 or under | €150 each |
| Three or more, 50 or under | €140 each |
| Ages 51 to 65 | €175 |
| Ages 66 to 70 (€200 excess) | €210 |
| Ages 71 to 75 | €245 |
| Ages 76 to 80 | €270 |
| Ages 81 to 84 | €315 |
| Ages 85 and over | €430 |
- One coverage shape: every applicant gets the same CRMD-accepted structure, and our certificate shows inpatient up to €13,700/year, outpatient up to €1,710/year, 90% reimbursement, transportation of remains €3,420, maternity €515. Other licensed insurers print slightly different amounts.
- Priced by age band and, up to age 50, by how many people share the policy. There is no medical exam and no markup for the same-day digital certificate.
- Per-person discounts apply when every insured is aged 50 or under: €150 each for two people, €140 each for three or more.
- Occupational loading: premiums can rise for manual-labour occupations such as construction, agriculture or domestic work, where claim frequency is higher.
- 12-month, Cyprus-only term aligned to your CRMD interview date; rates are reviewed at least annually and re-verified whenever the insurer updates them.
- These exact figures power the on-page calculator and the buy page. What you see here is what you pay.
Build my Plan A certificate
Same-day digital certificate, accepted in all 5 districts. Aged 50 or under: one adult €160, two people €150 each, three or more €140 each; groups of 50 or more from €120, quoted by DigiCare.
How to buy Plan A online in 3 steps
From form to digital certificate, ready for your CRMD appointment. Same business day after payment.
Fill the 2-minute form
Passport details, date of birth, Cyprus address, and the family members joining you on the application.
Pay online
JCC or Stripe, secure checkout. One adult aged 50 or under pays €160 for Plan A; you will see the family total before you confirm.
Receive your digital certificate
Emailed within hours, electronically signed and ready for your CRMD appointment in any of the five districts.
Digital certificates are accepted at the Civil Registry & Migration Department in routine Plan A submissions throughout 2026, with no requirement for a paper original at the desk.
Immigration insurance vs GeSY, travel insurance, and full private health
For a non-EU residence permit, the Migration Department checks for in-patient, out-patient and transport-of-remains cover. Plan A meets it, and so does DCare Classic or a higher plan on its own. GeSY and travel insurance both fall short, for different reasons.
A common reason a Migration Department file gets bounced is the wrong type of cover. Travel insurance is short-term and covers the wrong territory. GeSY (the General Healthcare System) is the public scheme, and even its members still need cover for repatriation of remains. Full private health insurance also meets the bar, and DCare Classic is accepted on its own. It costs more than the certificate: €788 a year at age 30 with a €650 excess (checked 4 November 2026). It covers up to €2,000,000 a year, doctor visits included.
| Cover type | Accepted by CRMD? | Limits | Typical cost | When to use |
|---|---|---|---|---|
Plan A immigration | Yes | €13,700 / €1,710 / €3,420 | €160/year (one adult) | Pink Slip applicants |
GeSY (GHS) | No for non-EU residence | Public scheme | Income-based | Post-residence, EU citizens |
Travel insurance | No | Short-term | €30 to €80/trip | Holidays only |
Employer-provided | Yes if Plan A-compliant | Varies | Paid by employer | Non-EU staff |
DCare Classic (full private health) | Yes, on its own | €2,000,000 a year | €788/year at age 30 (€650 excess, checked 4 Nov 2026) | Longer stays, regular doctor visits |
Plan A immigration
- Accepted by CRMD?
- Yes
- Limits
- €13,700 / €1,710 / €3,420
- Typical cost
- €160/year (one adult)
- When to use
- Pink Slip applicants
GeSY (GHS)
- Accepted by CRMD?
- No for non-EU residence
- Limits
- Public scheme
- Typical cost
- Income-based
- When to use
- Post-residence, EU citizens
Travel insurance
- Accepted by CRMD?
- No
- Limits
- Short-term
- Typical cost
- €30 to €80/trip
- When to use
- Holidays only
Employer-provided
- Accepted by CRMD?
- Yes if Plan A-compliant
- Limits
- Varies
- Typical cost
- Paid by employer
- When to use
- Non-EU staff
DCare Classic (full private health)
- Accepted by CRMD?
- Yes, on its own
- Limits
- €2,000,000 a year
- Typical cost
- €788/year at age 30 (€650 excess, checked 4 Nov 2026)
- When to use
- Longer stays, regular doctor visits
Being in GeSY does not remove the insurance requirement. Members still need cover for repatriation of remains, which AKD's GeSY certificate gives for €105 a year. If you are not yet in GeSY, you need the full certificate, from €160 for one adult online.
Beyond the minimum
Certificate only, certificate + DCare Basic, or DCare Classic: what does each cover?
The immigration certificate covers the permit for €160 a year, one adult online. Its hospital cover stops at €8,600 per illness and €13,700 a year, in Cyprus only. DCare Basic, bought alongside it, adds €1,000,000 a year of hospital cover: €432 at age 30 with a €650 excess. DCare Classic, €788 at 30, is accepted on its own. Prices checked 4 November 2026.
| Certificate only, certificate + DCare Basic, or DCare Classic: what does each cover? | Certificate only | Most balancedCertificate + DCare Basic | DCare Classic |
|---|---|---|---|
| The permit policy. No health questions. | The certificate for the permit, plus €1,000,000 of hospital cover. | One full policy, up to €2,000,000 a year, doctor visits included. | |
| Hospital limit | €8,600 per illness, €13,700 a year | €1,000,000 a year from DCare Basic | €2,000,000 a year |
| Share you pay in hospital | 10%, and room costs above €75 a day | Nothing after the excess, if approved in advance | Nothing after the excess, if approved in advance |
| Surgery and cancer | Inside the €13,700 yearly limit | Paid in full after the excess | Paid in full after the excess |
| Doctor visits outside hospital | €1,710 a year, up to €20 a visit | From the certificate; DCare Basic has no out-patient cover | €1,250 a year, plus €2,000 for medicines |
| Where you're covered | Republic of Cyprus only | DCare Basic: worldwide excluding the USA | Worldwide excluding the USA |
| Accepted alone for the permit | Yes | The certificate covers the permit | Yes |
| Price a year, one person aged 30 | €160no excess | €664(160 + 504)with a €350 excess €592(160 + 432)with a €650 excess | €925with a €350 excess €788with a €650 excess |
Certificate only
The permit policy. No health questions.
- Hospital limit
- €8,600 per illness, €13,700 a year
- Share you pay in hospital
- 10%, and room costs above €75 a day
- Surgery and cancer
- Inside the €13,700 yearly limit
- Doctor visits outside hospital
- €1,710 a year, up to €20 a visit
- Where you're covered
- Republic of Cyprus only
- Accepted alone for the permit
- Yes
- Price a year, one person aged 30
- €160no excess
Certificate + DCare Basic
The certificate for the permit, plus €1,000,000 of hospital cover.
- Hospital limit
- €1,000,000 a year from DCare Basic
- Share you pay in hospital
- Nothing after the excess, if approved in advance
- Surgery and cancer
- Paid in full after the excess
- Doctor visits outside hospital
- From the certificate; DCare Basic has no out-patient cover
- Where you're covered
- DCare Basic: worldwide excluding the USA
- Accepted alone for the permit
- The certificate covers the permit
- Price a year, one person aged 30
- €664(160 + 504)with a €350 excess€592(160 + 432)with a €650 excess
DCare Classic
One full policy, up to €2,000,000 a year, doctor visits included.
- Hospital limit
- €2,000,000 a year
- Share you pay in hospital
- Nothing after the excess, if approved in advance
- Surgery and cancer
- Paid in full after the excess
- Doctor visits outside hospital
- €1,250 a year, plus €2,000 for medicines
- Where you're covered
- Worldwide excluding the USA
- Accepted alone for the permit
- Yes
- Price a year, one person aged 30
- €925with a €350 excess€788with a €650 excess
Prices checked 4 November 2026 on AKD's quote system. Limits come from the certificate schedule and the DCare policy wording. These are two separate policies, each with its own price. You can buy the certificate on its own, and nothing is pre-ticked. DCare is insured by SI Insurance (Europe) SA, Luxembourg, and sold by AKD. Cover depends on a medical questionnaire, and the insurer may decline the application or exclude conditions. The certificate does not cover pre-existing conditions. DCare excludes them too, unless you declare them on the application and the insurer accepts them in writing. A condition counts as pre-existing if you had symptoms, treatment or advice in the 24 months before the start date, or if it first shows in the first 30 days. If you hold both, tell DCare about the certificate.
See every benefit line and prices at six ages on our certificate and DCare comparison.
Common application rejections (and how to avoid them)
Five reasons CRMD sends applicants home, and the fix for each.
Travel or tourist policy submitted
Rejected outright; the department accepts a long-term policy covering in-patient care, out-patient care and transport of remains, such as the Plan A certificate or DCare Classic.
Home-country health policy
Not accepted. The department checks what the policy covers (in-patient care, out-patient care and transport of remains), not where the insurer is based: DCare Classic, underwritten by SI Insurance (Europe) SA in Luxembourg, is accepted on its own.
A family member missing from the certificate
Every named applicant on the residence file must appear on the same certificate.
Policy term shorter than the interview window
The policy must run for a full year from the interview date.
GeSY enrolment used as a substitute
Public-system enrolment is not accepted in place of Plan A.
What Plan A does NOT cover
From the Eurosure Insurance Product Information Document (IPID). Have a look before you buy so there are no surprises at claim time.
- Pre-existing diseases and chronic conditions
- Dental treatment, orthoptics, and eye disorders
- Cosmetic or plastic surgery
- Routine GP visits, preventive check-ups, and vaccinations (these go via GeSY for enrolled residents)
- Mental health, nervous disorders, and rest cures
- Pregnancy complications (ectopic, termination), gynaecological problems, infertility and assisted reproduction
- Sexually transmitted diseases and genetic disorders
- Self-inflicted injury, suicide, drug use, or alcohol abuse
- Professional or dangerous sports
- Treatment outside the Republic of Cyprus (travel insurance is a separate product)
- Occupational accidents covered under Employment Legislation
- War, terrorism, nuclear or ionizing radiation, and environmental pollution
Full terms in the policy schedule. Cover for occupational injury sits under your employer's liability insurance, not Plan A. Ask us about a bundled employer's liability + Plan A package.
Which Cyprus residence permit are you applying for?
Most Cyprus residence routes ask for proof of medical cover, but the wording, limits and price change from one permit to the next.
Pink Slip
Non-EU nationals applying for or renewing a temporary residence permit.
from €140/yr
Yellow Slip
EU, EEA and Swiss citizens registering MEU1 who are not working in Cyprus. Workers are usually covered through GeSY.
from €140/yr
Category F
Retirees and other non-EU applicants for permanent residence on secure income from abroad.
from €140/yr
Student visa
Non-EU students at a Cyprus university, college or school. They apply for a pink slip.
from €140/yr
Work permit
Employers arrange and submit the medical cover for non-EU employees and domestic workers on a Cyprus work permit.
from €140/yr
Digital nomad & other permits
You are hereDigital Nomad Visa applicants, anyone on another permit route, and anyone unsure which applies.
Priced by permit
FAQ: Immigration medical insurance Cyprus
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Read moreYour CRMD interview deserves a certificate that won't be rejected.
Same-day PDF, €160/year for one adult aged 50 or under, and the same Plan A document accepted in all five Cyprus districts. We handle the paperwork so you can walk into the Civil Registry & Migration Department ready.