What Does Plan A Immigration Insurance Cover in Cyprus?

What Does Plan A Immigration Insurance Cover in Cyprus?

The Plan A schedule of benefits is set by the Cyprus Insurance Companies Control Service and reflects the practical risks an insurer expects to pay for during a one-year residence permit. It is not designed to be a primary health plan. It is designed to make sure a foreign resident does not become a financial burden on the Cyprus public healthcare system if something serious happens.

• Inpatient hospital treatment. Room, meals, nursing, surgery, anaesthesia, drugs administered in hospital, intensive care, and consultant fees during admission. The annual cap is €13,669 for a standard Plan A. Some insurers offer Plan B with a lower cap (around €8,500) at a slightly cheaper premium.
• Day-care surgery. Procedures that do not require an overnight stay, such as minor orthopaedic operations, endoscopies, or dialysis, are paid out of the inpatient cap on the same per-day basis.
• Emergency outpatient treatment. Care after an accident or sudden illness when you are not formally admitted, including A&E visits, ambulance transport, fracture treatment, and post-accident dressings. Most policies cap this at around €700 per incident.
• Emergency dental treatment. Strictly limited to relief of acute pain after an accident, not routine dentistry. Typical cap: €100 to €200 per insurance year.
• Repatriation of remains. Transport of the body to your home country in the event of death. Caps usually run from €1,500 to €3,500 depending on the insurer.

Here is what a standard Plan A policy includes:

Coverage Limits and What Plan A Does NOT Cover

The exclusions list is the part most foreign residents misread. Plan A is a hospital and accident contract, not a comprehensive health plan. The limits below are standard across every Cyprus insurer because they come from the regulated wording.

Plan A vs Full Private Health Insurance in Cyprus

The simplest way to think about it: Plan A is a piece of paperwork the Migration Department needs in your file. It is also a financial backstop in case of a serious accident or hospital admission. If you want everyday medical care without paying out of pocket each time, you need a separate product.

• Plan A is enough if: you are healthy, under 60, planning to enrol in GeSY once eligible, and only need the certificate to register with the Civil Registry and Migration Department.
• Add full private health insurance if: you take regular medication, have a chronic condition, are planning a pregnancy, or want fast access to private specialists without GeSY waiting times.
• Plan A and GeSY together work for: residents who hit GeSY eligibility within their first 12 months, use GeSY for everyday care, and keep Plan A as a low-cost compliance document.