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Immigration Insurance FAQ

What Is the Cheapest Immigration Medical Insurance in Cyprus?

Paul BendzikPaul Bendzik·4 July 2026·5 min read
Cheapest immigration medical insurance in Cyprus: a residence permit and passport beside a stack of euro coins on a limestone table
Quick Answer
Direct Answer

The cheapest immigration medical insurance in Cyprus is a Plan A policy, from €150 a year for applicants under 62 and up to €430 a year at age 80 and over. Because Plan A cover is set by regulation and identical at every licensed Cyprus insurer, cheaper simply means a lower premium for the same certificate. Compare on price and buy the standard policy, not a pricier upgrade you do not need.

Need a compliant certificate today? Buy your Plan A immigration insurance online and download it in minutes.

€150/yr

Cheapest Plan A

Standard cover for one adult under 62

€140/yr

Cheapest family rate

Per person when 3+ insureds are under 62

€430/yr

Highest age band

Standard Plan A at age 80 and over

Same

Cover everywhere

Plan A benefits are identical at all licensed insurers

Immigration medical insurance in Cyprus, known as Plan A, is the mandatory cover non-EU nationals need for a residence permit. At DigiCare Insurance the standard Plan A starts at €150 a year for an adult under 62, and the cover is fixed by regulation. Every licensed Cyprus insurer sells the same benefits, so the only real variable is the premium.

This page explains what the cheapest compliant policy costs, how the price changes with age, and how to pay less without buying the wrong cover. For the full price ladder and what Plan A pays out, see our guide to how much immigration insurance costs in Cyprus.

What's the Cheapest Immigration Medical Insurance in Cyprus?

The cheapest immigration medical insurance in Cyprus is a standard Plan A policy, from €150 a year for an adult under 62. Plan A cover is standardized by regulation, so every licensed Cyprus insurer offers the same inpatient, outpatient, and repatriation limits. The cheapest option is simply the lowest premium for that identical certificate.

Plan A cover is standardized for the residence-permit process. It pays inpatient care up to €13,669 a year, outpatient care up to €1,750, and repatriation up to €3,418, with a 10 percent co-payment. Those benefits are filed with the Insurance Companies Control Service, so they are the same whether you pay €150 or €250.

Because the certificate is identical, paying more buys you nothing extra for the immigration appointment. Our immigration medical insurance page shows the standard Plan A price by age and issues the stamped certificate online.

What this means for you:
For the residence permit itself, the cheapest compliant Plan A is all you need. A more expensive policy does not speed up your application or add cover the Migration Department asks for. Spend the difference on private health insurance later if you want day-to-day cover.

How Much Is the Cheapest Plan A by Age Band in Cyprus?

Plan A is priced in age bands. The cheapest premium is €150 a year for anyone under 62, dropping to €140 per person when three or more people under 62 are on one policy. The price then steps up with age to €430 a year at 80 and over. The cover is identical across every band.

Cheapest Plan A annual premium by age (2026)

Age bandCheapest annual premiumCover level
Under 62€150 (€140 per person for 3+ insureds)Standard Plan A
62 to 64€210Standard Plan A
65 to 69€245Standard Plan A
70 to 74€270Standard Plan A
75 to 79€315Standard Plan A
80 and over€430Standard Plan A

DigiCare published Plan A rates for 2026. Cover is identical across licensed Cyprus insurers; only the premium varies by age.

Why this matters:
Age is the only thing that changes the price, because the cover is fixed. If an insurer quotes you well above these figures for a standard Plan A certificate, you are overpaying for the same policy. A family of three or more under 62 gets the lowest per-person rate.

How to Pay Less for Immigration Insurance Without Under-Insuring

The safest way to pay less is to buy the standard Plan A, add family members to one policy for the per-person discount, and buy directly online to skip agent mark-ups. Do not try to save by buying travel insurance or a non-compliant plan, because the Migration Department will reject it.

Three ways to get the lowest legitimate price:

  • Put the family on one policy. Three or more insured people under 62 drop to €140 each instead of €150, and children are covered on the same certificate.
  • Buy online, direct. Buying the certificate through a Cyprus-licensed online workflow avoids agent fees and gets the stamped document by email the same day.
  • Buy Plan A, not a substitute. Travel insurance, an EHIC card, or a cheap non-compliant plan will not be accepted for a residence permit. The mandatory minimum is Plan A, so that is the only policy worth comparing on price.

Bottom Line

The cheapest immigration medical insurance in Cyprus is a standard Plan A policy, €150 a year for adults under 62, €140 each for a family of three or more, and up to €430 at age 80 and over. Since the cover is identical at every licensed insurer, the cheapest option is simply the lowest premium for the same certificate.

Do not overpay for a fancier policy the Migration Department does not ask for, and do not try to save with travel insurance that will be rejected. Buy the compliant Plan A, add your family to one certificate, and get it stamped online before your appointment.

Ready to buy or renew? See our Cyprus immigration medical insurance page for the standard Plan A price by age and instant online purchase.

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More Immigration Insurance FAQ

What does Plan A immigration insurance cover in Cyprus?

Plan A is the standardised immigration medical policy required for Cyprus residence permits. It covers €13,669 of inpatient hospital treatment per year, plus emergency dental and repatriation. It does not cover GP visits, maternity, chronic care, or pre-existing conditions.

Read the full answer

What insurance do I need for a Cyprus residence permit?

Non-EU applicants for any Cyprus residence permit (Pink Slip, Permanent Residence, work or study) legally need only one insurance: Plan A immigration medical cover. Travel, home, and car insurance are separate from the permit. EU citizens on a Yellow Slip use GESY instead.

Read the full answer

How much does immigration insurance cost in Cyprus?

Plan A immigration insurance is age-banded: €150 per person per year under 62, €210 at 62–64, €245 at 65–69, €270 at 70–74, €315 at 75–79, and €430 at 80+. The cover itself is regulated and identical across licensed Cyprus insurers; only the premium varies by age band.

Read the full answer

What is the best immigration insurance in Cyprus?

There is no single best Plan A insurance because the cover is regulated and identical across all licensed Cyprus insurers. The best provider is the one with the fastest stamped certificate, the cleanest online checkout, and a price that matches the standard age band, not the cheapest unverified quote.

Read the full answer

What health insurance do I need for an MCYV / MEU2 application in Cyprus?

The Cyprus Migration Department accepts either Plan A immigration insurance or a Certificate of Registration with the GHS (with body transport cover) for an MEU2 residence card application by a non-EU family member of an EU citizen. Plan A costs €150 to €430 per year and is the most commonly used option.

Read the full answer

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