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What Does Plan A Immigration Insurance Cover in Cyprus?
Plan A is the standardised medical insurance every non-EU applicant needs to register with the Cyprus Civil Registry and Migration Department. A standard Plan A pays up to €13,669 of inpatient hospital treatment per insurance year, around €700 per incident for emergency outpatient care, plus repatriation of remains and emergency dental relief. It does not cover GP visits, maternity, chronic conditions, prescription drugs outside hospital, or any pre-existing illness.
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€13,669
Annual inpatient cap
Standard Plan A maximum for hospital treatment per insurance year
€150–€430
Yearly cost
Typical premium for adults aged 18 to 60 across Cyprus insurers
0
Medical exam needed
No health questions, no medical history, no waiting period
Same day
Certificate issued
Stamped policy emailed before your immigration appointment
Plan A is the minimum medical insurance the Cyprus Civil Registry and Migration Department accepts as proof of cover when a non-EU national registers for a residence permit, work permit, or student visa. It is a standardised contract: the schedule of benefits is almost identical across every licensed insurer in Cyprus because the regulator approves the wording, not the brand.
If you also want to understand who needs the policy, how to apply, and how much it costs by age band, see our full guide to immigration medical insurance in Cyprus. This page focuses purely on what Plan A covers and where its limits are.
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 inclusions vs exclusions at a glance
| Item | Plan A status | Annual cap or rule |
|---|---|---|
| Inpatient hospital treatment | Covered | €13,669 per insurance year |
| Day-care surgery | Covered | Within the inpatient cap |
| Emergency outpatient (post-accident) | Covered | €700 per incident, typical |
| Repatriation of remains | Covered | €1,500 to €3,500 depending on insurer |
| Emergency dental relief | Covered | €100 to €200 per year, accident-related only |
| GP visits and routine consultations | Not covered | Pay privately or via GeSY |
| Prescription drugs outside hospital | Not covered | Excluded from the schedule |
| Maternity, pregnancy, childbirth | Not covered | Standard exclusion |
| Pre-existing medical conditions | Not covered | Defined as anything diagnosed before the policy start date |
| Chronic conditions (diabetes, hypertension, asthma) | Not covered | Both ongoing management and complications |
| Routine dentistry, orthodontics | Not covered | Only emergency relief is included |
| Optical care, glasses, lenses | Not covered | Standard exclusion |
| Cosmetic and elective surgery | Not covered | Including non-medical fertility treatment |
| High-risk sports and activities | Not covered | Diving, racing, climbing, professional sport |
| Mental health (in or out of hospital) | Not covered | Including substance treatment |
Sources: standard Plan A wording filed with the Insurance Companies Control Service; DigiCare agency review of 8 Cyprus Plan A schedules, March-April 2026.
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.
Bottom Line
Plan A immigration insurance is a narrow, standardised hospital contract. It exists to satisfy Cyprus immigration law and to protect public hospitals from unpaid bills, not to replace a full health plan. The €13,669 inpatient cap, the emergency-only outpatient cover, and the long exclusion list are deliberate, and identical across insurers.
Treat Plan A as the compliance step. If you live in Cyprus long-term, plan for everyday healthcare separately, either through GeSY once you become eligible or through a private health plan you keep alongside Plan A.
Ready to buy or renew? See our Cyprus immigration medical insurance product page for plans, prices by age, and instant online purchase.
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Get a Free QuoteMore Immigration Insurance FAQ
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 answerHow 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 answerWhat 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 answerWhat 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 answerWhat is the cheapest immigration medical insurance in Cyprus?
The cheapest is a standard Plan A policy, from €150 a year for under-62s (€140 each for a family of 3+). Cover is identical at every licensed insurer, so compare only on price.
Read the full answerHow long does a Pink Slip take in Cyprus?
A Pink Slip takes about 6 months on average (usually 4 to 8 months for the card). Your permit is valid from the day the Migration Department accepts your application, so you can stay while it is processed.
Read the full answerGet your Plan A certificate
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