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- What Does Plan A Immigration Insurance Cover in Cyprus?
What Does Plan A Immigration Insurance Cover in Cyprus?
Plan A is the medical insurance every non-EU applicant needs to register with the Cyprus Civil Registry and Migration Department. A standard Plan A pays at least €13,700 of inpatient hospital treatment per insurance year, around €700 per incident for emergency outpatient care, plus repatriation of remains from €3,420. Some policies add limited 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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€13,700
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. The shape of the contract is settled market practice: every licensed Cyprus insurer covers the same headings, and the euro limits behind them move by a few tens of euros from one insurer to the next.
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?
No Cyprus law or regulator publishes the Plan A schedule of benefits. It grew out of what insurers expect to pay during a one-year residence permit, and the CRMD has accepted the same shape for years. 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 €13,700 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 relief, on some policies. Where it is included at all, it is strictly limited to relief of acute pain after an accident, not routine dentistry, with a typical cap of €100 to €200 per insurance year. Several Cyprus insurers exclude dental treatment and examinations outright, so check the schedule.
- 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 the ones we see on Cyprus schedules again and again, though the exact euro figures shift a little between insurers.
Plan A inclusions vs exclusions at a glance
| Item | Plan A status | Annual cap or rule |
|---|---|---|
| Inpatient hospital treatment | Covered | €13,700 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 a year where included; several insurers exclude dental |
| 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 |
Source: DigiCare agency review of 8 Cyprus Plan A schedules, March-April 2026. Cap. 105 and the Aliens and Immigration Regulations publish no line-item amounts.
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 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 inpatient cap of around €13,700, the emergency-only outpatient cover, and the long exclusion list are deliberate, and they look much the same whichever licensed insurer writes the policy.
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 most Cyprus residence permits (Pink Slip, Permanent Residence, work or study) need 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 priced by age and family size: from €120 per person per year, from €270 for retired applicants aged 70+, and from €420 or €560 for a family bundle. Every licensed Cyprus insurer writes the same cover headings, so the premium is what moves most; the caps behind them differ a little.
Read the full answerWhat is the best immigration insurance in Cyprus?
There is no single best Plan A insurance because every licensed Cyprus insurer writes the same cover headings. The caps and any deductible still differ, so read the schedule, then judge the provider: fastest stamped certificate, cleanest online checkout, and a price that matches the standard age band.
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 starts from €120 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 €120 a year, with family bundles from €420. The cover shape is the same everywhere, so price is a fair first filter, but check the caps and any excess before you buy.
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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