Cyprus: Health Insurance
Health Insurance for Foreigners in Cyprus
A comprehensive health insurance is essential if you are a foreign expat living in Cyprus. The state health system GESY offers high-quality basic care. However, private and international health insurance could provide additional protection. This article details this important aspect and highlights which cover is best. Please note: We are experts in private and public health insurance in the Republic of Cyprus. Our information does not refer to the Turkish Republic of Northern Cyprus.
GESY: The public healthcare system in Cyprus
If you are a foreigner living in Cyprus, you have various options for taking out private health insurance. You should choose an insurance policy that is tailored to your individual needs. However, the first choice is GESY: the public healthcare system in Cyprus. You pay for this insurance as an employee in one way or another.
What Is GESY?
With GESY, Cyprus has a public healthcare system that aims to provide universal healthcare for all residents of the country. It offers a wide range of medical services in health centers. This is an important achievement for the healthcare system in Cyprus, as all people can access medical services regardless of their wealth. You also can benefit if you emigrate from Germany to Cyprus and pay the set rates into the social security system.
Services and Care
GESY is an invaluable treasure for all residents looking for medical care. With a variety of services ranging from general and specialist medical visits to rehabilitation and prescriptions, there is something for every need and sector. However, there are waiting times due to the high demand for these services. Nevertheless, patients from the Federal Republic of Germany should consider this system as an option. For shorter stays in other EU countries while traveling, you can even use this comprehensive care free of charge with your European Health Insurance Card. All EU citizens have access to these healthcare services if they suddenly fall ill in another EU country.
Entitlement to GESY: Which Expats Are Entitled to This Insurance Cover?
This public insurance cover applies to nationals and people from other countries who meet certain conditions. Regardless of nationality, every resident has the right to access GESY. However, to claim this entitlement after moving to Cyprus, you usually have to live or work on the island, be a pensioner, or receive social benefits. You must complete all the necessary processes to ensure a smooth integration. This includes:
- Renting or buying property in Cyprus and registering for electricity. The Utility Bill serves as a registration certificate. Also, consider a homeowners insurance.
- Apply for the Yellow Slip as an immigrant (you may also be interested in non-dom status in conjunction with the 60-day rule)
- Set up a company such as a Cyprus Limited and employ yourself or take a job as an employee and pay social security benefits
- Make sure you pay the contributions to access the plan. GESY is a great way to ensure healthcare for everyone in Cyprus. You even get certain medications for free.
Why Private Health Insurance Abroad in Cyprus Is Interesting for You
Although the GESY system in Cyprus is comprehensive, many foreigners living there consider private international health insurance. Some of the main reasons for this are:
- Faster access to specialists: Private insurance can often provide a faster access to specialist doctors.
- Treatments abroad: Many private insurance policies offer cover for treatment by a doctor abroad.
- Additional benefits: Private international health insurance can also cover additional services such as ambulances, private hospital rooms, medication, home medical visits, and even emergency medical evacuation.
- Flexibility: With private insurance, you often have more control and flexibility in choosing doctors and hospitals.
Private Health Insurance in Cyprus at a Glance
For people looking to stay for a long time or live in Cyprus, there are varied options for private health insurance tailored to their individual needs. These insurances offer different plans that can vary depending on your state of health, age, and desired level of benefits. Some of these insurance providers are particularly notable for their flexibility and extensive range of benefits. If you reside on the Mediterranean island or are considering extended stays overseas for work, ensure that you have sufficient insurance coverage in case of an emergency.
The Big Insurance Comparison: GESY Statutory Health Insurance vs. Private Health Insurance
You may be wondering whether you really need international health insurance as an expat living in an EU country. We provide all the information you need below to make your decision easier. GESY has these advantages and disadvantages due to the legislation:
GESY Healthcare: Free with Social Security Registration
Advantages | Disadvantages |
Basic cover: The GESY system offers basic cover for all treatment costs – regardless of health status or income. Every member has the same rights and receives free healthcare. The country’s medical professionals offer high-quality treatment. | Limited benefits: The general healthcare system GESY may not cover all medical needs, especially highly specialized or expensive treatments for certain conditions.
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Easy access: GESY provides easy access to social insurance and specialists for Cypriot residents and foreign nationals. All you need to do is submit proof after paying social security contributions and applying for the Yellow Slip. | Waiting times: There may be longer waiting times for certain procedures or specialists at the facilities. |
Costs: GESY is cheaper than a private insurance, and usually no medical costs are billed. As an employee of the company, you pay the social security contribution anyway. | Applying for access: You must first apply for a Yellow Slip to visit the clinics. Alternatively, you can use European health insurance for short-term stays or as a student for the first time.
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GESY is therefore an interesting option. However, private health insurance could be a great option, especially if you wish for better and broader coverage. Get in touch if you think about taking out a private option.
Private medical insurance
Advantages | Disadvantages |
Additional benefits: A private insurance often offers benefits and options in private hospitals over and above what GESY covers. | Cost: Private health insurance can be more expensive, especially for older people or those with pre-existing conditions. |
Flexibility: They offer more flexibility in terms of choice of doctor or hospital. | Different coverage: Not all private policies offer the same coverage (e.g. no dental treatment or rehabilitation) and comparing the various options can be complicated. |
Faster access: Private insurance can provide quicker access to specialists and procedures. |
What Should You Look for When Choosing an Insurer?
There are many different providers and prices to choose from. Especially in a country that is a member of the EU, you will quickly find interesting options for expats. However, you should pay attention to this when making your decision:
Scope of benefits: This is one of the most important considerations when choosing your insurer. Give high priority to benefits tailored to your individual health needs. Some insurers also offer additional extras such as dental treatment or physiotherapy, which can be a great plus.
Costs: The cost varies depending on the travel insurance abroad. Depending on your age, state of health, desired scope of benefits, and other factors, you should compare different offers before deciding on an insurer. However, bear in mind that price is not the most important decision criterion.
Access to healthcare services: Some insurers have contracts with specific doctors and hospitals. A key point is the free choice of doctor, so you can decide on the expert you wish to treat you.
International cover: If you are a frequent traveler, you should choose an option that covers you not only in Cyprus and/or your home country. International cover gives you a higher level of security while ensuring the quality of your medical care.
Please note that many international medical insurance policies do not cover benefits in your home country, and you will only be 100% protected with private health insurance. Always read the small print in the contract to prepare. Write us an e-mail or give us a call if you would like more information.
About me
I am an expert in relocation services to Cyprus. I provide comprehensive support for individuals and businesses looking to move to this Mediterranean paradise. My services include:
Consultation and Planning: I offer tailored advice on the legal, financial, and logistical aspects of relocating to Cyprus. This includes understanding residency requirements, tax benefits, and local regulations.
Property Search: I assist you in order to find the perfect home or office space, whether for purchase or rent. At the same time, I ensure that it meets your needs and preferences.
Administrative Assistance: I handle the paperwork and bureaucratic processes involved in obtaining visas, work permits, and registrations.
Settling-In Services: I help you with the setup of utilities, banking, healthcare, and schooling to ensure a smooth transition into Cypriot life.
Ongoing Support: I provide continuous assistance even after the move. This service includes the integration into the local community and addressing any issues that may arise.
As an expert, I ensure a stress-free relocation experience. That allows you to enjoy the benefits of living and working in Cyprus without the usual hassles.
Is Travel Health Insurance Sufficient for Emigrants?
If you are thinking about immigrating to Cyprus, you should consider the issue of health insurance. Travel insurance services for Europe will not be sufficient in most cases, as it often only covers temporary stays and trips. We recommend that you always consider private or international health insurance, which offers more comprehensive protection and support. After all, you want to be well looked after in the event of illness. Make sure the insurance you choose covers your entire stay and includes all the necessary medical services – so you can start your life in Cyprus feeling fantastic.
What Does Health Insurance Abroad in the EU Cost?
The cost of international health insurance for EU citizens permanently resident in Cyprus can vary. Evaluate the different options before you move. A basic insurance plan from an international provider costs on average between €70 and €200 per month for an individual. EU citizens staying up to three months or less are entitled to free state healthcare with a valid European Health Insurance Card. Be aware that national health insurers may only cover the cost of healthcare in another EU country for a limited period. Make sure you find out before you move to Cyprus to be on the safe side. As long as you pay your German health insurance, for example, you should find coverage within the European Union on the back of the card.
Special considerations for insurance benefits in Cyprus
Cyprus is a popular destination for people looking to live abroad in the European Union. If you are older or have pre-existing medical conditions, you need to give special consideration to which options are best for you. A good health insurance is crucial. This is the only way to ensure you will receive the best possible treatment and care in the event of health problems. Check all the options and look for an insurance policy that covers your needs. A lifetime international health insurance is also a good way to ensure maximum coverage and security. It’s worth considering if you want to live in Cyprus permanently. If you are a pensioner, you should contact us, as there are special aspects to consider with a foreign pension insurance.
Recommendation in Cyprus: Don’t Forget Health Insurance for a Medical Treatment Abroad!
Choosing a health insurance company can be a complex task. Take your time and compare the offers from insurance companies carefully. This will ensure that you get the best possible coverage as an insurance protection. Consider your needs and circumstances, read reviews, and compare quotes from various insurers. Also, remember that your needs may change over time, so review your insurance policy regularly and adjust it if necessary. If you have any doubts, feel free to contact us. We will answer your questions and help you find a suitable solution. Enjoy transparent Cyprus prices with us. We can also recommend property insurance or car insurance for you. BS Holding offers you the best options, as we work closely with the insurance industry.